We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Michigan and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
It is important to understand the Michigan health insurance regulations before applying. Some Insurance Companies in Michigan will offer policies on a Guarantee Issue basis during open enrollment but there are others who require underwriting. The companies have the ability to attach an elimination rider to your medical policy specific to the pre-existing condition.
Michigan highly regulates all of the insurance companies in their state. One of the very important mandates is that once a person is covered by a policy they cannot be cancelled as long as all premiums are paid to date. This means no Michigan Insurance Company can cancel you after getting sick.
We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Michigan Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Michigan Health Insurance Companies
Blue Cross Blue Shield of Michigan – Blue Cross Blue Shield was founded in 1937. Currently BCBSMI insures 1.75 million Michigan residents through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and BCBSMI is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Humana currently has almost 6.6 million members located across 18 states. They are the largest publicly traded health companies. Humana is known for it’s investments in Information Technology which would explain it’s high customer satisfaction. Not only does Humana offer Health, they offer life, dental and disability to individuals as well as groups in Arizona.
Pacific Care – Unicare has a large part of the medical market in Michigan. They offer benefits like “first dollar coverage” as options to their clients. Unicare Life and Health Insurance Company has been rated a "A+" by Standard & Poor's for their financial Strength and an "A-" by A.M Best for their claims payments.
Aetna – Aetna is considered one of the countries leading health insurance companies. Aetna offers medical, dental, life and pharmaceutical benefits in all 50 states. They have a network of over 684,000 providers nationwide. Aetna is known for designing niche products for small, medium and large groups as well as for the individual group market.
