Affordable individual and family coverage

Plans that meet your or your family's needs.

Financial assistance

Looking to cut your health care costs? We can help.

We all want to save money where we can, especially when it comes to health care. You may be eligible to reduce your costs, based on your financial situation. In 2016, more than 82 percent of Michigan residents qualified for health insurance savings. This financial assistance is known as a subsidy.

There are two ways to save on your health care:

Advance Premium Tax Credit

Available through the Health Insurance Marketplace, the Advance Premium Tax Credit lowers your monthly premium by applying your tax deduction toward the cost of your health care. We’ll work with you to see if you qualify. One of our certified representatives will guide you through the process. Call us at (855) 948-4427 for assistance.

Cost sharing reduction

You can also reduce your out-pocket-costs through the Health Insurance Marketplace. You can lower the amount you pay when you use your health coverage for things like deductibles, copays for doctor visits, prescriptions, and coinsurance.

Other forms of assistance

Healthy Michigan plan

This state-funded plan is available to Michigan residents who meet the following criteria:

  • Are Michigan residents
  • Are ages 19-64
  • Are not pregnant at the time of application
  • Do not qualify for, or are not enrolled in, Medicare
  • Do not qualify for, or are not enrolled in, other Medicaid programs

Have income at or below 133 percent of the federal poverty level ($16,000 for a single person or $33,000 for a family of four)

Am I eligible for a subsidy?

Your eligibility depends on your family size and your household income. To determine your eligibility, use the chart below or give us a call at (855) 948-4427 to speak with a knowledgeable, certified representative.

Estimated total annual household income for 2017
Family size Federal Povery Level
percentage 138%
Federal Povery Level
percentage 150%
Federal Povery Level
percentage 200%
Federal Povery Level
percentage 250%
Federal Povery Level
percentage 400%
-
1 Up to $16,394 $16,395 to $17,820 $17,821 to $23,760 $23,761 to $29,700 $29,701 to $47,520 $47,521 and higher
2 Up to $22,108 $22,109 to $24,040 $24,041 to $32,040 $32,041 to $40,050 $40,051 to $64,080 $64,081 and higher
3 Up to $27,821 $27,822 to $30,240 $30,241 to $40,320 $40,321 to $50,400 $50,401 to $80,640 $80,641 and higher
4 Up to $33,534 $33,535 to $36,450 $36,451 to $48,600 $48,601 to $60,750 $60,751 to $97,200 $97,201 and higher
5 Up to $39,247 $39,248 to $42,660 $42,661 to $56,880 $56,881 to $71,100 $71,101 to $113,760 $113,761 and higher
6 Up to $44,960 $44,961 to $48,870 $48,871 to $65,160 $65,161 to $81,450 $81,451 to $130,320 $130,321 and higher
7 Up to $50,687 $50,688 to $55,095 $55,096 to $73,460 $73,461 to $91,825 $91,826 to $146,920 $146,921 and higher
8 Up to $56,428 $56,429 to $61,335 $61,336 to $81,780 $81,781 to $102,225 $102,226 to $163,560 $163,51 and higher
Likely eligible for: Healthy Michigan Plan Silver 94 plan Silver 87 plan Silver 73 plan Advance Premium Tax Credit Likely NOT eligible for lower costs
Advance Premium Tax Credit and Cost-sharing reduction

Note: This is a measure of income level issued annually by the U.S. Department of Health and Human Services. The federal poverty level is used to determine eligibility for certain programs and benefits. The income levels shown in the chart above are based on 2016 FPL.

Estimated total annual household income for 2017
Family size Federal Povery Level
percentage 138%
Federal Povery Level
percentage 150%
Federal Povery Level
percentage 200%
Federal Povery Level
percentage 250%
Federal Povery Level
percentage 400%
-
1 Up to $16,394 $16,395 to $17,820 $17,821 to $23,760 $23,761 to $29,700 $29,701 to $47,520 $47,521 and higher
2 Up to $22,108 $22,109 to $24,040 $24,041 to $32,040 $32,041 to $40,050 $40,051 to $64,080 $64,081 and higher
3 Up to $27,821 $27,822 to $30,240 $30,241 to $40,320 $40,321 to $50,400 $50,401 to $80,640 $80,641 and higher
4 Up to $33,534 $33,535 to $36,450 $36,451 to $48,600 $48,601 to $60,750 $60,751 to $97,200 $97,201 and higher
5 Up to $39,247 $39,248 to $42,660 $42,661 to $56,880 $56,881 to $71,100 $71,101 to $113,760 $113,761 and higher
6 Up to $44,960 $44,961 to $48,870 $48,871 to $65,160 $65,161 to $81,450 $81,451 to $130,320 $130,321 and higher
7 Up to $50,687 $50,688 to $55,095 $55,096 to $73,460 $73,461 to $91,825 $91,826 to $146,920 $146,921 and higher
8 Up to $56,428 $56,429 to $61,335 $61,336 to $81,780 $81,781 to $102,225 $102,226 to $163,560 $163,51 and higher
Likely eligible for: Healthy Michigan Plan Silver 94 plan Silver 87 plan Silver 73 plan Advance Premium Tax Credit Likely NOT eligible for lower costs
Advance Premium Tax Credit and Cost-sharing reduction

Note: This is a measure of income level issued annually by the U.S. Department of Health and Human Services. The federal poverty level is used to determine eligibility for certain programs and benefits. The income levels shown in the chart above are based on 2016 FPL.

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