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Individual Coverage

Individual Coverage

If you are a Michigan resident without access to a group health plan and are ineligible for the Healthy Michigan Plan, Medicaid or Medicare, you may purchase an individual major medical health plan through a licensed agent, directly from a health insurer, or through the Health Insurance Marketplace (Marketplace). See Shopping for a Health Plan for more information on how to purchase a health plan.

You are the policyholder on an individual health plan. The plan can cover you and your eligible dependents and cannot deny coverage based on pre-existing conditions.

What You Should Know

  • The annual open enrollment period provides an opportunity for you to enroll in an individual health plan. Plans may be purchased outside of open enrollment through a special enrollment period under certain qualifying events. To find out which options may be available to you, call DIFS at 877-999-6442.

  • Individual policies must include specific minimum health care benefits required by Michigan and federal law. More information regarding these requirements can be found under Required Coverage.

  • The monthly premium is the cost for your health plan and depends on the following:

    • The type of plan chosen

    • Your age

    • Where you live

    • The number of eligible dependents covered under your plan

    • Tobacco use

    Premiums may increase each plan year to reflect the increasing cost of health care.

  • If you are uninsured and looking for coverage, you may be eligible for the Healthy Michigan Plan. Individuals may be eligible for the Healthy Michigan Plan if they:

    • Are age 19-64 years.

    • Do not qualify for Medicaid.

    • Are ineligible for or enrolled in Medicare.

    • Are not pregnant when applying for the Healthy Michigan Plan.

    • Earn up to 133 percent of the federal poverty level (adjusted annually).

    • Are residents of Michigan.

    Visit or call the Michigan Health Care Helpline at 1-855-789-5610 for more information.