Open Enrollment Period in Michigan

• 2025 Open Enrollment: November 1, 2024 – January 15, 2025
  During this period, residents can:

• Enroll in a new ACA plan

• Renew existing coverage

• Switch plans

Special Enrollment Period (SEP)

Outside of open enrollment, you may qualify for SEP if you:

• Lose health insurance

• Move to a new ZIP code

• Experience a marriage, divorce, birth, or adoption

• Have income changes or gain citizenship

Types of Health Insurance Plans Available in Michigan

ACA Marketplace plans are grouped into metal tiers:

• Bronze – Lowest premiums, highest out-of-pocket costs

• Silver – Balance of cost and coverage, eligible for CSR

• Gold – Higher premiums, lower deductibles

• Platinum – Highest monthly cost, lowest medical expenses

Plan formats:

• HMO (Health Maintenance Organization) – Lower cost, limited network

• PPO (Preferred Provider Organization) – More flexibility, higher premiums

• EPO (Exclusive Provider Organization) – In-network only, no referrals needed

Catastrophic Plans are available for people under 30 or with hardship exemptions.

Eligibility for Subsidies and Cost Assistance

Michigan residents may qualify for:

• Premium Tax Credits: Available to households earning 100% to 400% of the Federal Poverty Level (FPL)

• Cost-Sharing Reductions (CSRs): For those enrolled in Silver plans with incomes below 250% FPL

• Medicaid Expansion: Michigan expanded Medicaid through the Healthy Michigan Plan

• MIChild: Low-cost coverage for children under 19

How to Compare and Choose a Plan in Michigan

Compare these factors when shopping on HealthCare.gov:

• Premiums vs. deductibles

• Doctor and hospital network access

• Prescription drug formularies

• Max out-of-pocket costs

Tips for specific situations:

• Self-employed? Carefully estimate your annual income

• Families? Children may qualify for MIChild

• Early retirees? Compare ACA plans vs. COBRA

Top Insurance Providers on the Michigan Exchange

ACA-compliant insurers in Michigan include:

• Blue Cross Blue Shield of Michigan

• Molina Healthcare

• Meridian Health Plan

• Priority Health

• Oscar Health

• Ambetter from Meridian

Availability may vary by county.

Navigating Michigan’s Online Enrollment Portal

Apply online at HealthCare.gov:

1. Create or log in to your account

2. Enter household and income information

3. Compare plan options

4. Check subsidy eligibility

5. Enroll and upload documents as needed

Need help? Find a certified navigator via Healthcare.gov local help tool

Alternatives to the Marketplace in Michigan

• Short-Term Health Plans: Up to 6 or 12 months of temporary coverage

• Off-Exchange Plans: Directly from insurers, not subsidy-eligible

• Faith-Based Health Sharing Ministries: Cost-sharing groups, not insurance

Common Mistakes to Avoid During Enrollment

• Missing the enrollment deadline

• Failing to update income (can affect subsidies and tax liability)

• Picking a plan with a poor provider network

• Ignoring out-of-pocket maximums and deductibles

• Choosing a Bronze plan when more care is expected

State-Specific Health Programs and Innovations

• Healthy Michigan Plan: Medicaid expansion covering low-income adults up to 138% FPL

• MIChild: CHIP program for uninsured children

• Telehealth Access: Covered by most Marketplace plans

• State Navigator Partnerships: Available through local community organizations