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The Affordable Care Act, also known as the ACA or Obamacare, made a few changes to the health insurance industry. These changes are intended to provide low and middle-income folks with more affordable health insurance. They include measures that could help insure citizens of Michigan who don’t have healthcare, who have healthcare that they can’t afford or that doesn’t provide necessary benefits, or who could qualify for government programs like Medicare or Medicaid. Check out this short video to learn more about how HealthMarkets Insurance Agency can help you find an affordable plan:

Finding Affordable Healthcare in Michigan

So if you need affordable healthcare in Michigan, you have many options. HealthMarkets Insurance Agency is here to help you make sense of them. Give us a call today, and we’ll help you determine what government programs or benefits, if any, you qualify for. Or, for a brief guide, read on below.

Medicaid Expansion

Medicaid is a national insurance program aimed at the lowest income Americans. Traditionally, Medcaid benefits have been aimed mostly at low-income families. The ACA recommended that states expand their Medicaid programs, and Michigan took them up on it. In 2014, Michigan expanded its Medicaid program to include many more uninsured adults. If you’re unsure whether you qualify for Medicaid under Michigan’s expanded program, just hop online at HealthMarkets. Our free insurance tool will ask you for your zip code, your family size, and your income. Then we’ll help you determine whether you qualify for Medicaid and point you in the right direction if you do.

Subsidized Healthcare

Under the Affordable Care Act, certain people or families may qualify for government subsidies to help them pay for their healthcare. These subsidies could come in the form of tax breaks or lowered premiums. When you call HealthMarkets, we ask you a series of questions that will help determine whether you qualify for these subsidies. Where in Michigan do you live? What’s your household income? How many people are in your household? If you qualify for subsidies based on your answers, HealthMarkets will connect you with subsidized plans that will save you money.

Tiered Healthcare Plans

Affordable health insurance in Michigan comes in four categories: Bronze Plans, Silver Plans, Gold Plans, and Platinum Plans. The plans are ranked according to the amount of your premiums. Bronze plans have low premiums, Platinum’s are high, and Silver and Gold are in between. You may pick a plan based on what kind of premium you can afford. HealthMarkets carries thousands of plans from more than 180 carriers nationwide, including those in Michigan. We can connect with you Michigan insurance carriers who offer these tiered healthcare plans and help you determine which “metal level,” as the plans are known, will work best with your budget.

HealthMarkets Insurance Agency in Michigan

If you need affordable healthcare in Michigan, give HealthMarkets a call at (800) 360-1402. We’ll put you in touch with alternatives you can afford and coverage that keeps you safe from the storm.

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