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What is Individual Health Insurance, and who needs it:

  • Individual health insurance covers those who are under the age of 65, not insured under an employer-sponsored group plan and in need of medical, dental and vision coverage.
  • Individuals approaching age 26 and dropping off their parents group coverage
  • Individuals searching for alternatives to COBRA
  • Involuntary loss of group coverage

Why do I need health insurance?

The Affordable Care Act (ACA) was signed into law March of 2010 increasing access to affordable health insurance.  Here are a few things you should know about the ACA:

  • Increased access to insurance options including individuals who can stay on their parents’ plan until age 26.
  • Protection against pre-existing conditions.
  • No cost for preventive screenings.
  • Coverage for woman and children without discrimination along with Medicaid expansion for low-income families.
  • American Rescue Plan ensures that many people who enroll will qualify to save money.

When can I enroll?

You can enroll in a qualified health plan either during the Annual Open Enrollment Period (OEP) or following a Qualifying Life Event.

Annual Open Enrollment Period (OEP) for individual coverage allows you to enroll in a new plan or switch plans for the following calendar year with no questions asked.  Currently, OEP starts November 1st and ends January 15th

Qualifying Life events include:

  • Loss of health coverage (i.e., turning 26 and losing coverage from your parents’ plan).
  • Changes in household (i.e., marriage, divorce, having a baby or death in the family).
  • Changes in residence (i.e., moving to a different zip code or county, student moving to/from to attend school).
  • Changes in your income, becoming a US Citizen, leaving jail/prison.

How do I enroll?

There are two ways Michigan Planners can help you enroll: 

  • Direct to the carrier or,
  • through the Health Insurance Marketplace.

Our Individual team will help you determine the right path for you. 

Meet With Us!

To accommodate our customers, we have developed a team specializing in individual health insurance with over a decade of experience.  Michigan Planners offers unwavering dedication to customer service.  This means that you can trust us to be responsive to your individual insurance needs.

Our Traverse City-based team supports the entire state and can assist with your enrollment remotely via phone or video conference. When you meet with us, we’ll do everything we can to support you.  Submit your New Client Questionnaire or call us today at 231-944-1400.


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