How to Buy Short-Term Health Insurance in Michigan

March 10, 2021
2 minute read

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.


47227-HM-0321

References:
1. Center on Budget and Policy Priorities. October 2020. Retrieved from https://www.cbpp.org/state-limitations-on-short-term-health-insurance-plans-october-2020. | 2. Congressional Budget Office. September 25, 2020. Retrieved from https://www.cbo.gov/publication/56622. 

Disclaimer:
*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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© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022