Complete health coverage for you and your family.
ACA · MARKETPLACE · PPO · HMO · MICHIGAN
Whether you're self-employed, between jobs, retiring early, or covering your family — we'll walk you through the ACA Marketplace, calculate your subsidy, and find a plan from a top Michigan carrier that fits your doctors and your budget. No fees. Just honest counsel.
Real people answer Monday through Friday, 9 a.m. to 6 p.m. Eastern.
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The Affordable Care Act, in plain English.
If you've been told to 'go to the Marketplace' or 'look at ACA plans,' you've encountered the Affordable Care Act — a 2010 federal law that fundamentally changed how individual health insurance works in America. Here's what you actually need to know.
Prior to the ACA, insurers were able to refuse care for chronic health issues, impose higher premiums on women, and limit total policy payouts.
The ACA changed all of that — and it's the foundation of every individual and family plan available today.
i. Pre-existing conditions
You cannot be denied coverage or charged more based on your health history. Every condition is covered from day one.
ii. Essential benefits
Every plan must cover services like emergency care, maternity, and mental health without lifetime limits on what they pay.
iii. Preventive care
Screenings and wellness visits are covered at 100% with no copay when you see a doctor in your network.
iv. Subsidies
Most people qualify for financial tax credits that significantly lower the monthly cost of their insurance premiums.
v. Enrollment periods
Enroll during the annual window or anytime you have a major life change like moving or losing other coverage.