Health Insurance Resources

The cost varies widely based on age, zip code, household size, and plan chosen. Individual plans can range from under $100/month with subsidies to over $600/month without. The best way to know is to have us compare your options — it's free and takes about 15 minutes.

No — our services are completely free to you. You pay the same premium whether you use us or go directly to the insurance company. We are compensated by the carriers, which means you get expert guidance at zero cost.

An HMO requires you to use a network of doctors and get referrals for specialists. A PPO gives you more flexibility to see any doctor including out-of-network providers, usually at a higher cost. Most Michigan marketplace plans are HMOs.

Open Enrollment runs November 1 through January 15 each year. Outside of that, you can enroll if you have a qualifying life event — losing employer coverage, getting married or divorced, having a baby, or moving to a new state.

A Special Enrollment Period (SEP) allows you to enroll outside of Open Enrollment if you experience a qualifying life event. Common triggers include losing employer coverage, turning 26, getting married, having a baby, or moving.

Absolutely. Self-employed individuals and 1099 workers can purchase individual health insurance through the Michigan marketplace and may qualify for a federal Premium Tax Credit that significantly reduces monthly premiums.

A federal subsidy that reduces your monthly health insurance premium based on household income. Most individuals earning under $60,000 qualify for some level of subsidy. We calculate your eligibility as part of our free consultation.

Medicare Advantage (Part C) replaces Original Medicare and is offered by private insurers. Medicare Supplement (Medigap) works alongside Original Medicare to cover gaps like copays and deductibles. The right choice depends on your health and budget — we help you compare both.

Before enrolling in any plan, we verify that your preferred doctors and hospitals are in the plan's network. This is one of the most important steps we take — finding out your doctor isn't covered after enrollment is a costly surprise we help you avoid.

If you miss Open Enrollment without a qualifying life event, you may have to wait until the next period. However, alternative coverage options exist. Call us and we'll walk you through your options.