We've published a 2019 Guide for individual health insurance in Michigan. Check it out here.
Have you ever taken a road trip with a specific destination in mind without using a map? If you’re anything like me, you’d probably get lost before you even left town. The process of selecting a health insurance plan is much like taking a long road trip. And you guessed it, we can be your roadmap. Or better yet, a GPS enabled navigator. We'll help you compare plans side by side and choose the best option for you and your family.
Open enrollment is a little different this year
Open enrollment is shortened by two weeks this year. It begins November 1st, but it will now end December 15th unless you have a qualifying life event. Also, Trump has pulled back on subsidies, which means plans will be more expensive this year as carriers scramble to make a profit amidst political uncertainty.
Helpful facts about the Michigan exchange
In 2017, Michigan had 10 insurers and will be dropping down to 8 in 2018. This is quite a few insurers for one state, but keep in mind that insurer participation is somewhat concentrated in the southeast part of the state. In this area, anywhere from four to eight insurers offer coverage in each county. Upper Michigan, however, has just one carrier (Blue Cross Blue Shield of Michigan).
Humana is exiting the market nationwide at the end of 2017. Their coverage includes a majority of southeast Michigan, as well as Kalamazoo and Kent Counties. Health Alliance Plan (HAP) will also be withdrawing at the end of 2017. However, their off-exchange plans will continue to be available.
Prices are going up
Here's the increases we are seeing:
Blue Care Network: 22.6%
Blue Cross Blue Shield of Michigan: 31.7%
McLaren Health Plan: 26.6%
Meridian: 59.4% (Meridian has a “heavy enrollment in silver CSR plans” which explains the dramatic difference in the rate increases if CSR are funded versus if they aren’t)
Physicians Health Plan: 22.8%
Priority Health (HMO and POS): 19%
Total Health Care USA: 27.59%
A cost-friendly alternative
With such a price hike in rates, many are turning to faith-based ministries like Medishare for coverage, which are available off-exchange.
Faith-based Medi-Share has a state-wide PPO network available in 2018 managed by PHCS (Private Healthcare Systems, now owned by Multiplan). It’s smaller than some of the PPO networks in the past, but it does provide flexibility to see your doctors and will cover out-of-network expenses as long as it meets Medi-Share’s faith-based guidelines. Medi-Share won’t be for everyone, but is a worthy option to consider if it fits your personal convictions and lifestyle. Make sure to check out our Medi-Share review and compare it to other major medical plans on our website before you enroll.
Take a deep breath. Take Command Health is here to help.
These numbers are a little frightening and it can make the task of finding individual health insurance in Michigan that much harder. Not to mention understanding the fine print can be a challenge in and of itself. Take Command Health is here to be your advocate and empower you to find a plan that works for you and your family. In addition to our award-winning tools that will help you make a confident plan choice, we've added some new features we want to let you know about:
- KNOW ALL YOUR OPTIONS: We're pretty confident we have the biggest, most complete line-up of plans in Michigan this year.
- KEEP YOUR DOCTORS: We're expanding the capabilities of our doctor search tool to search doctor networks no matter where the plan is - on exchange, off exchange, and even faith-based plan types.
- ADDED PERKS: We've negotiated some pretty awesome deals for our members. Call a doctor 24/7 for $0, medical bill negotiation support, dental, vision, and pharmacy discounts, etc.
- WE'RE HERE FOR YOU: We've put together a new support team ready to help you tackle any issue. You can get started by chatting with us on our website or emailing us at email@example.com.
Once Open Enrollment starts, you can visit our website and we'll walk you through your options. Our goal is to help you get the most out of your money and find the plan that really works for you and your family. Remember you have until Dec 15th to select a plan that starts Jan 1st, 2018.
I wrote this blog because I care about ideas (big and little) that can help fix our healthcare system. I used to work on projects for Kaiser Permanente and the Parkland Health & Hospital System so I've seen the system inside and out. It's so important that consumers keep up with industry shifts and changing health insurance regulations. I'm also Take Command Health's Content Editor and a busy mom. Learn more about me and connect with me on our about us page. Thanks!