Health Insurance Made Simple
Confused by deductibles, copays, and networks? We help individuals and families find the right coverage at the right price, both on and off the Marketplace.
ACA / Obamacare
We are certified to help you navigate the Health Insurance Marketplace. We can check if you qualify for a government subsidy (tax credit) to lower your monthly premiums.
Short-Term Medical
Missed Open Enrollment? Need coverage for a few months between jobs? Short-term plans are a flexible, lower-cost alternative for healthy individuals.
Understanding Your Options
HMO vs PPO
HMO: Usually cheaper, but you must stay in compliance with a strict network of doctors and get referrals to see specialists.
PPO: More expensive, but offers freedom to see any doctor without a referral, even out of state.
Metallic Levels
Bronze: Lowest premium, highest deductible. Good for major accidents.
Silver: Mid-range. Best value if you qualify for "Cost Sharing Reductions."
Gold: Higher premium, lower deductible. Best if you have frequent doctor visits.
Open Enrollment: Nov 1 - Dec 15
Outside of this window, you need a "Qualifying Life Event" (marriage, birth, job loss) to sign up.
Get Health Quotes
We compare all major Michigan carriers.
Health Insurance FAQs
The amount you must pay out-of-pocket for medical services before your insurance starts to pay. For example, if you have a $5,000 deductible, you pay the first $5,000 of bills.
The most you will have to pay in a year for covered services. Once you hit this number (via deductibles and copays), the insurance pays 100% of covered costs for the rest of the year.