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- Health Insurance Open Enrollment: If You Need Health Insurance Coverage in Michigan, Help is Here
This site contains everything you need to know about health insurance, how to get covered, and how to use your coverage to keep yourself and your family healthy.
There are many ways to get covered, and there is no wrong way to begin. Open enrollment on the Health Insurance Marketplace runs Nov. 1 to Dec. 15. Outside of that time, you may qualify for a Special Enrollment Period if you experience a qualifying life event, such as a job loss or change in household size. No matter the time of year, you can also apply for coverage through MI Bridges, where you will be evaluated on whether you could be covered by Medicaid, the Healthy Michigan Plan, or the Children's Health Insurance Program.
- Health Insurance
When to apply: Open enrollment ended on Dec. 15, 2020, unless you qualify for a Special Enrollment Period. The next open enrollment period begins Nov. 1, 2021.
For assistance: Visit localhelp.healthcare.gov or call the Marketplace Call Center at 800-318-2596.
Coverage is available through Medicaid and the Healthy Michigan Plan, depending on income and other factors.
When to apply: Any time
For assistance: Visit MI Bridges or call the Michigan 211 COVID-19 Resource Navigation line at 844-587-2485.
Seniors age 65 and older who have lost employer-provided health insurance during the pandemic may be able to sign up for Medicare during a special enrollment period.
For assistance: Visit Medicare.gov or call the Michigan Medicare Medicaid Assistance Program at 800-803-7174.
Get Answers to Your Questions
Access the health insurance resources below or contact the Department of Insurance and Financial Services (DIFS) at 877-999-6442 from 8 a.m. to 5 p.m. Monday through Friday.
If you have additional questions about health insurance or open enrollment you can catch up by viewing a recording of a 2020 open enrollment town hall.
Individual
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- Employer Group Coverage
- Individual Coverage
- Shopping for a Health Plan
- Costs of Individual Health Plans
- Comprehensive Health Plans - Minimum Essential Coverage
- Limited Benefit Insurance Plans
- Medical Expense Reimbursement Accounts
- Required Coverage
- Paying Medical Bills
- Switching Health Plans
- Filing a Complaint With DIFS
- Appealing a Decision Made by Your Health Insurer
Marketplace
Seniors
Providers
Mental Health Parity
Resources
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- Michigan Consumer Guide to Health Insurance
- Glossary of Health Coverage and Medical Terms
- Important Contact Information
- Getting Covered
- Understanding Your Health Insurance
- How to Use Your Health Coverage
- How to Appeal a Decision Made by Your Health Insurer
- Short-Term Limited Duration Policy
- Specified Disease Insurance
- Understanding Coverage for Air Ambulance Services
- Your Rights Under the Mental Health Parity and Addiction Equity Act of 2008
- Michigan Consumer Guide to Health Insurance
- HICAP Survey Information
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