Michigan Individual & Family Health Insurance (ACA/Marketplace)

Compare plans, check subsidies, and enroll with no-cost help from a licensed, Michigan-based advisor. We simplify coverage for self-employed individuals, families, and anyone whose job doesn’t offer benefits.

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You can instantly compare plan options and check eligibility for financial assistance through our secure, self-service quoting tool:

Your Top Questions Answered

What is Individual Health Insurance?

This is coverage you buy on your own, separate from any plan offered by an employer. It’s often used by self-employed individuals, small business owners, or those whose jobs don’t offer coverage.

What is the Health Insurance Marketplace?

The Marketplace (or healthcare.gov) is the official government platform where you can compare plans, see if you qualify for financial help, and enroll. All plans sold here cover Essential Health Benefits (like doctor visits and prescriptions).

When Can I Enroll?

Enrollment typically occurs during the Open Enrollment Period (usually November 1 – January 15). Outside of this window, you must qualify for a Special Enrollment Period due to a Qualifying Life Event (QLE), such as losing prior coverage, marriage, having a baby, or moving.

What is a Subsidy?

Subsidies, also called Premium Tax Credits, are government funds that reduce your monthly premium payment. Eligibility is based on your household income and family size. You can apply these savings directly to your premium immediately.

How Do I Check for a Subsidy?

You can use the official subsidy calculator here: Low Cost Marketplace Health Care, Qualifying Income Levels. You should report any changes in your income to the Marketplace right away to keep your subsidy accurate and prevent surprises at tax time.