While group health insurance is ideal, there are several ways to obtain affordable health insurance in Michigan if you are unable to obtain it through an employer-sponsored group health insurance plan.
If you have recently become unemployed, you may be eligible for the Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, which allows you to continue your health insurance after becoming unemployed. You may also be eligible for the services offered by the Health Insurance Portability and Accountability Act, or HIPAA. Other possible affordable health insurance options in Michigan include insurance conversion, Medicaid, Medicare, and state-sponsored health care plans which focus on low-income individuals, children, and families, or those who can not otherwise afford a health insurance policy.
Yet, if none of these options are available to you, you may have to purchase an individual health insurance plan. However, in Michigan, you can set out to purchase an affordable individual health insurance plan without having to worry about being turned down due to pre-existing health conditions you may have. The only stipulation to this is that you must purchase your individual health insurance plan with Blue Cross Blue Shield of Michigan.
Why is this stipulation worth accepting? Because it is hard for people with pre-existing health conditions to purchase individual health insurance policies. Health insurance companies sometimes refuse to sell individual health insurance policies to the people because the companies feel they are too “high-risk,” meaning, they are going to be spending a lot of money on them. This is a sad, but true, occurrence.
Do not let the prices of individual health insurance policies keep you from purchasing one, especially if you have a health condition that requires regular care, treatment, and medication. In Michigan, you can obtain affordable health insurance. Contact the Michigan Office of Financial and Insurance Services for more information about purchasing an affordable individual health insurance plan through Blue Cross Blue Shield of Michigan.