All FAQs

I'm young and healthy. Can I buy limited health coverage to save money?

The Health Insurance Marketplace offers, for individuals only, a catastrophic health plan that covers the essential health benefits, but only after...

How soon can I see a doctor once I apply?

You can see a doctor on your effective date of coverage. Coverage will be active once the application is processed and fully approved and premiums...

I'm an American Indian or Alaskan Native. Can I get help with my health costs?

If you are a member of a federally recognized Indian tribe you may be eligible for special cost savings. Certain American Indians and Alaska...

What out-of-pocket costs are associated with HAP Personal Alliance PPO plans?

The three main types of costs you are responsible for as a member are coinsurance, copays and deductibles. Coinsurance is the percentage of...

Should I cancel my existing coverage once I apply for a Personal Alliance plan?

We do not suggest that you cancel existing coverage until you have been fully enrolled and your effective date of coverage in your new plan has...

The government says I'm not eligible for a subsidy. I disagree. What can I do?

Several factors are taken into consideration when you apply for health coverage, such as what county you live in, your exact age, income level and...

What are IRS Forms 1094-B and 1095-B?

Form 1095-B provides information that individuals need to report on their tax return that shows they had minimum essential coverage for some or all...

Who do I call if I have questions about my eligibility for lower costs?

If you have a question, you can call the Health Insurance Marketplace at: (800) 318-2596 TTY: 1-855-889-4325. The Marketplace is available 24 hours...

Could HAP ever cancel my policy?

If you made false statements on your application, filed fraudulent claims, obtained duplicate coverage or failed to pay your premiums on time, HAP...

Can I make a payment in-person?

Personal Alliance members can make a premium payment at HAP’s Detroit or Southfield walk-in centers Monday through Friday, 8:30 a.m. to 4:30...

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