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Health Insurance Open Enrollment: If You Need Health Insurance Coverage in Michigan, Help is Here
Health insurance isn't just for when you're sick or hurt, it's also important to help you stay healthy and to protect yourself from unexpected high medical costs.
If you need health insurance for 2024, the Health Insurance Marketplace open enrollment period runs from November 1, 2023 through January 15, 2024. Don't wait! Consumers must select a plan no later than December 15, 2023 for coverage to start on January 1, 2024.
Open enrollment gives Michiganders the chance to take advantage of savings that can help make insurance more affordable. For 2023, approximately 85% of enrolled Michiganders qualified for a subsidy, with many finding a plan for less than $10 per month.
A health insurance agent can help with the application or answer your questions. You can also find free, local enrollment help by visiting LocalHelp.HealthCare.gov.
The Michigan Department of Insurance and Financial Services (DIFS) is offering a series of virtual town hall events to help answer questions about open enrollment on the Health Insurance Marketplace, which runs until Monday, January 15, 2024. The town hall series will help consumers learn and get answers to their questions about signing up for a health plan on the Health Insurance Marketplace.
Registration is not required. To attend a free virtual town hall event, click the event link at its start time.
When to apply: Open enrollment on the Health Insurance Marketplace begins on November 1, 2023 and runs through January 15, 2024. Consumers must select a plan no later than December 15, 2023 for coverage to start on January 1, 2024.
Outside of that time, a special enrollment period may be available if you have experienced a qualifying life event, such as a loss of coverage or job loss.
For assistance: Visit LocalHelp.HealthCare.gov or call the Marketplace Call Center at 800-318-2596.
Depending on income and other factors, coverage may be available through Medicaid and the Healthy Michigan Plan.
When to apply: Any time
For assistance: Visit MI Bridges or call the Michigan Health Care Helpline at 855-789-5610.
Medicare is health insurance for people 65 or older. You're first eligible to sign up for Medicare 3 months before you turn 65 and 3 months after the month you turn 65. There are certain situations where you may be able to sign up for Medicare during a special enrollment period, for example if you lose employer-provided health insurance.
For assistance: Visit Medicare.gov or call the Michigan Medicare Assistance Program at 800-803-7174.
Still Need Health Insurance for 2023?
Consumers who still need health insurance for 2023 may qualify for a Special Enrollment Period if they experience a qualifying life event, such as a birth, job loss, or divorce. In addition, Michiganders who qualify for the state's Medicaid or MIChild programs can apply at any time. For help getting started, and to review their eligibility for these programs, consumers should visit Healthcare.gov/lower-costs.
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.
For a list of other state and federal agencies that may be able to help with health coverage questions, visit the Important Contact Information webpage.
Mental Health Parity
- What Consumers Need to Know about Surprise Medical Billing
- Glossary of Health Coverage and Medical Terms
- 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
- Insurance Coverage for Contraception in Michigan
- Other Resources
- Enrolling in VA Healthcare