Get a free quote here for Michigan health insurance for you.
Michigan Health Insurance Alternatives: Health insurance coverage can be somewhat tricky to find if you have a pre-existing condition because this state does not have a "risk pool". A risk pool is an insurance plan made available by a state for those who cannot get coverage thought private insurers because of pre-existing health conditions. It is not necessarily inexpensive but it is a last resort for some. If your income precludes you from affording private insurance, then Michigan has Medicaid. Michigan also has Michild, a program that provides insurance for children of families within certain income guidelines. The premiums for this insurance are $10.00 a month, no matter how many children you have.
Another resource to consider is the Michigan Office of Financial and Insurance Services,(OFIS). While this office itself does not provide coverage, it's website is a good resource to research special situations that may make you eligible for affordable health coverage.
If you do not qualify for the low-cost/no-cost health insurance salternative, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
eHealthInsurance |