Free help choosing a Michigan health plan.
I’m a licensed health insurance agent in Michigan, registered with HealthCare.gov for 2027. I compare plans in your area, check your doctors and prescriptions, check whether you may qualify for savings, and enroll you, by phone, text, email or video anywhere in Michigan.
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HealthCare.gov, off-exchange and more
HealthCare.gov Marketplace plans
Individual and family ACA plans. This is the only place to get premium tax credits and cost-sharing reductions if you qualify. The Marketplace makes the final eligibility decision.
Off-exchange ACA plans
The same essential health benefits and pre-existing condition protections, bought directly from the insurer. No premium tax credits off-exchange.
Short-term medical
Temporary coverage between plans. Not ACA coverage and not minimum essential coverage; may exclude pre-existing conditions and cap benefits. In Michigan it can’t exceed 185 days in any 365, and losing it doesn’t open a Marketplace special enrollment period. I always show the ACA option first.
Private health plans
An option for people who don’t qualify for Marketplace savings or who want copay-based coverage outside the Marketplace. Not ACA coverage and not an insurance policy: it is a self-funded employer plan, and you join the sponsoring company as a part-time employee. You answer health questions and can be declined, there are no premium tax credits, visit and benefit limits apply, and it is not protected by a state insurance guaranty association. I’ll always show it next to your ACA options and give you the plan’s written disclosure before you apply.
Dental, vision & supplemental
Add-on plans that supplement health insurance. They are not a substitute for major medical coverage.
Key dates and changes
When is open enrollment for 2027?
HealthCare.gov open enrollment runs from November 1 to January 15. Enroll by December 15 for coverage starting January 1. After open enrollment closes, you can enroll only after certain life events, like losing other coverage, moving, marriage or a new baby. Dates are set by the exchange and can change.
I have parole, TPS, asylum or a work visa. What changes?
Starting in 2027, people with these statuses no longer qualify for federal premium tax credits or cost-sharing reductions. If you’re lawfully present, you can generally still buy a Marketplace plan at full price or an off-exchange ACA plan. I’ll go over which options are open to you and what they cost. I don’t give immigration or legal advice.
Does your help cost anything?
No. Insurance companies pay agents a commission. Your premium is the same as if you enrolled on your own at HealthCare.gov.
Do we need to meet in person?
No. I work with Michigan clients by phone, text, email and video.
Plan availability depends on where you live and your eligibility. The policy’s own language governs what is covered.