Are you a Michigan resident looking for affordable health insurance? With an average premium of around $103 per month,* short-term health insurance in Michigan could be a good solution.

Can I Buy Short-Term Health Insurance in Michigan?

Yes! Michigan residents can purchase short-term health plans with coverage that lasts up to 11 months.1 You can enroll in more than one short-term plan during the year, but you are limited to an overall total of 185 days of coverage per plan.*

Each state is responsible for setting its own regulations for short-term health insurance, so limitations can change.2

Before you purchase a plan, review the benefits to make sure a Michigan short-term health plan is right for you.

For example, here are some things to think about before you buy short-term health insurance in Michigan:

  • It is not fully comprehensive. The Affordable Care Act's (ACA) essential benefits aren’t required to be covered.
  • Residents with pre-existing conditions can be denied coverage.
  • Policies can be sold year-round with no designated enrollment period.

What Do MI Short Term Health Plans Cover?

Most short-term health plans in Michigan offer only minimum medical coverage in case of an accident or injury. But, there may be plans available with more comprehensive benefits. Premiums can vary depending on your selection of copays, coinsurance, deductibles, and covered benefits.

If you require frequent doctor visits or other types of routine care, a short-term plan may not be the right choice. Instead, a comprehensive individual or family health insurance plan might be a better fit. It all depends on your needs.

Sign up for a MI Short-Term Health Insurance Plan Today

Need coverage as soon as possible? In some cases, you could have a short-term health insurance plan in Michigan as soon as the next day after you apply. HealthMarkets can help you find a plan and apply online. Get started finding short-term plans now.


1. Center on Budget and Policy Priorities. October 2020. Retrieved from | 2. Congressional Budget Office. September 25, 2020. Retrieved from 

*Average and duration based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Detroit, MI.

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