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Healthcare Premiums are Expected to Rise in 2015

You may have heard, health insurance premiums are expected to rise in 2015. Obamacare Open Enrollment is right around the corner, beginning November 15, 2014 and going until February 15, 2015. This is your one chance out of the year to get a jump start on comparing health insurance costs to make sure you're getting the best healthcare you can afford, and the lowest price on your current health insurance plan.

Health plans change every year, networks grow and shrink, new discounts are offered and you have the opportunity to lower your total costs on health premiums on 2015. Don't wait.

Why Auto-renewal Could Cost You Hundreds

For many Americans who purchased a health plan on the exchange last year the "convenience" of letting their health plan auto-renew could literally cost them hundreds if not thousands of dollars. The reason? If during the course of 2014-2015 your income changed at all, or your income projections were not accurate when you calculated your subsidy, you could be obligated to pay that money back at tax time!

Open Enrollment is the perfect time to look at your income, recalculate your subsidy, and shop available health plans to make sure there are no surprises headed your way April 15, 2015.

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Ways to Compare Affordable Michigan Health Insurance

Shop, Compare & Enroll Online

You can shop, compare, apply, and enroll for health insurance online. You will be able to see rates and plans before you apply and you don't need to create an account to get started.

Get Personal Help by Phone

We have operators standing by to help you fill out the forms, answer questions. You can also get rates, compare plans and complete your enrollment by phone with a licensed agent.

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Lower Your Costs on Michigan Health Insurance

Compare Marketplace Rates

You can quickly compare rates for inexpensive ACA-approved Michigan Health Insurance plans & apply online. You can also compare government subsidized plans quickly and easily.

Use Your Subsidy

You will find out if, based on your income and household size, you are eligible for a subsidy (government financial assistance) and if that's your best option, apply the subsidy to your health premiums.

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Affordable Michigan Health Insurance Plans

Individual Health Insurance Plans

Individual health care plans are designed for single people and can usually be tailor made to your specific insurance needs. For the best rate, you should compare private individual health insurance plans to plans from the Affordable Michigan Health Insurance Marketplace.

Family Health Insurance Plans

Family health care plans are great for the self-employed or when you work for a smaller company that does not provide health coverage, family health insurance offers affordable protection for you, your family. Compare our rates to the healthcare marketplace.

Group Health Insurance Plans

If you run a business and want to help your employees find health coverage, a group health insurance plan will allow you to provide health coverage for employees.

Emergency Health Insurance Plans

Emergency health care plans are typically well suited for young people who only require very basic health coverage and coverage in emergencies. They are usually less expensive than standard health insurance plans.

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Different Kinds of Health Insurance Plans

HMO Health Insurance Plans

HMOs, or Health Maintenance Organizations, offer health care from a network of health care providers. HMOs tend to have respectable premiums and deductibles, but offer limited flexibility for choosing doctors and hospitals. Under an HMO plan, you need a referral from your primary care physician to see a specialist and you may have to pay 100% of cost if you see a doctor out-of-network.

PPO Health Care Plans

PPOs, or Preferred Provider Organizations, also have affordable premiums and deductibles – however, they offer more flexibility to see any doctor you want and don’t require a referral from your primary care physician to see a specialist (as is required from an HMO). Under a PPO, out-of-network costs are covered, but at a lower rate than in-network costs.

High Deductible Health Care Plans

High Deductible Health Plans, tend to have lower premiums than both HMOs and PPOs, but much higher deductibles. Deductibles are the out-of-pocket expenses you have to pay before insurance starts to cover you. You can use an HSA to lessen the financial burden of covering the high deductibles. These plans generally have similar flexibility to PPO plans.

Health Savings Account

HSAs, or Health Savings Accounts, are growing in popularity for a variety of reasons. Though they may not be for everyone, if you can afford to put up the money up front, you can benefit from tax savings, and people typically save a decent chunk of money when all is said and done because they don't have to pay the expensive premiums.

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