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.
This site contains information about health insurance, how to get covered, and how to use your coverage to keep yourself and your family healthy.
Open Enrollment for 2025 health insurance runs from November 1, 2024 through January 15, 2025. Consumers must select a plan no later than December 15, 2024 for coverage to start on January 1, 2025.
Open Enrollment gives Michiganders the chance to take advantage of savings that can help make insurance more affordable. For 2024, nearly 90% of enrolled Michiganders qualified for a subsidy, with many finding a plan for less than $10 per month.
Consumers who missed the deadline and still need health insurance for 2024 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.
Your local agent or assister can help with the application or answer your questions. Find Marketplace help near you by visiting LocalHelp.HealthCare.gov.
Open enrollment on the Health Insurance Marketplace begins on November 1, 2024 and runs through January 15, 2025. Consumers must select a plan no later than December 15, 2024 for coverage to start on January 1, 2025.
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.
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.
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