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.
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.
Missed Open Enrollment? Need coverage for a few months between jobs? Short-term plans are a flexible, lower-cost alternative for healthy individuals.
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.
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.
Outside of this window, you need a "Qualifying Life Event" (marriage, birth, job loss) to sign up.
We compare all major Michigan carriers.
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.