Overview
Michigan residents have access to short-term health insurance plans with maximum durations of 364 days.
Key Fact: Michigan has relatively low uninsured rates compared to national average.
Coverage Options & Alternatives
- Plans available up to 364 days of coverage
- Renewable: No
- Premium range: $130-$370
- Average deductible: $2,500-$5,000
- No coverage for pre-existing conditions
- Not ACA compliant (does not cover essential health benefits)
Available Providers
Blue Cross Blue Shield of Michigan, UnitedHealthcare
Eligibility Requirements
- Must be under 65 years old (Medicare ineligible)
- Cannot be enrolled in Medicaid
- Must pass medical underwriting (pre-existing conditions may affect eligibility)
- Available year-round (not limited to open enrollment periods)
Cost Information
Monthly premiums in Michigan typically range from $130-$370, depending on age, location, and plan features.
Detailed Eligibility Rules
📋 Available Health Insurance Plans in Michigan
Data Source: Theme Static Data (API unavailable) | ● Local DB Data
| Plan Name | Issuer | Metal Level | Deductible | Max OOP |
|---|---|---|---|---|
| Blue Cross Blue Shield of Michigan Basic Plan | Blue Cross Blue Shield of Michigan | Short-Term | $5,000 | See plan details |
| UnitedHealthcare Standard Plan | UnitedHealthcare | Short-Term | $2,500 | See plan details |
📈 Health Insurance Cost Trends
Data Source: Estimated trend data (BLS API unavailable) | ● Local DB Data
Health Insurance CPI Annual Change: +4.9%
| Year | Medical Care CPI | Health Insurance CPI |
|---|---|---|
| 2023 | 578.3 | 553.5 |
| 2024 | 598.7 | 582.1 |
| 2025 | 619.2 | 610.8 |
Disclaimer: This information is for reference only and may not reflect the most current regulations. Short-term health insurance does not meet ACA requirements and may have coverage limitations. Consult a licensed insurance agent for personalized advice.