Michigan Health Insurance

If you’re planning to purchase health insurance anywhere in Michigan, it’s a good idea to learn as much as you can about the various regulations and guidelines that might be used to your advantage.  The list below will give you a brief overview of how Michigan’s current insurance regulations might affect the health coverage available to you.

  • By law, all health insurance sold in Michigan must include a clause guaranteeing your ability to renew your coverage.  This means that, as long as you keep up with your premiums, your policy can be renewed as many times as you wish.  In addition, it is illegal for your insurer to cancel your health coverage on the grounds of illness.
  • Coverage of your new health insurance policy can, at the policy-writer’s option, exclude any pre-existing conditions that were diagnosed or treated within six months before the policy goes into effect.  This exclusion can only last for up to six months, however, and by keeping continuous coverage you can ensure that switching from one Michigan insurer to another will not mean going through another waiting period for the same condition.
  • Most insurers in Michigan are free to deny any application for new coverage, at their discretion.  This does not include Blue Cross Blue Shield, which is always required to honor such applications.
  • Pricing of health insurance in Michigan may never be based on the insured’s health status, but traits like age, family history, and demographics may affect what you must pay.
  • Michigan-based small businesses (those with between 2 and 50 employees) are always eligible to purchase a group health insurance policy comparable to what is currently being offered to other small businesses in the state.
  • A small business’s health coverage may come with certain basic prerequisites, such as maintaining a minimum level of employee participation, which can mean the termination of the policy if not met.  The employer may also be required to cover a portion of each employee’s premium payments.
  • As with individual health insurance, a small business’s group health plan may not be subject to termination or increases in price based on the health of the insured.
  • If you are self-employed and have no other employees working for you, Michigan does not require insurers to sell you a group health plan as it would for a typical small business.  Your premiums for an individual health insurance policy, however, may be partially or mostly tax-deductible.

While there are significant layers of protection afforded you by the state’s insurance regulations, you can still derive great benefit from becoming as well-informed as possible before buying your new policy.  Once you’re ready to buy, be sure to compare every offer you get against similar offers from competing insurers so that you can be certain you’re getting the kind of deal you deserve.

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