Affordable Health Insurance in Michigan
As one of Michigan’s leading health insurance companies, American Health Plans can help you find the perfect coverage at an affordable rate.
We serve all individuals, families, and small businesses. At AHP, providing our clients with excellent service is our top priority. All of our agents have the resources and experience to find you the best plan at the lowest cost for your needs.
American Health Plans is contracted with most major companies in Metro Detroit and the state of Michigan. This gives us the opportunity to shop all plans and assist you with applying for the plan with the right fit at the right price. Call us toll free today at (800) 353-8870.
Major Medical Health Insurance
A type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Most major medical health insurance plans in Michigan, under the Affordable Health Care Act (ACA), offer 10 essential benefits that all plans must have (deductibles, out of pocket limits, RX, Maternity etc). These types of plans usually have no medical underwriting and can only be written during “open enrollment” or a “special enrollment period”.
Short Term Major Medical Insurance
This type of insurance for a specified period of time, normally ranging from 1-11 months. Short term plans in Michigan typically do not cover any pre-existing medical conditions and require some sort of medical underwriting.
Limited/Fixed Benefit Plans
A type of plan with reduced benefits. These types of plans are not typically required to provide the same level of coverage as a major medical plan. Limited/Fixed plans will limit the amount of coverage the company will pay per episode of illness or accident. This type of plan has a cap on coverage when that cap is reached the insured is responsible for the balance of the bill.
Am I eligible for a subsidy in Michigan?
If you would like to quickly determine whether you qualify for a subsidy from the government for health insurance, you can use the tool below. Please keep in mind, a subsidy from the government can only be applied to a plan you purchase during open enrollment or outside of open enrollment with a qualifying event such as marriage, birth of a child, etc. within 60 days of the qualifying event.