Michigan Health Insurance

As one of the hardest-hit states of the 2008 Recession, Michigan has struggled to maintain adequate healthcare access and coverage for its residents. Luckily, this state offers a wide range of resources and programs to help residents who are elderly, recently jobless or in the middle of a coverage gap. Below you’ll find an overview of these resources as well as information about coverage levels in this state.

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Stats in Your State

While many take health insurance for granted, millions go without it and millions more struggle to pay their premiums.To give readers a better understanding of the topic, the following statistics and information outline the average costs and enrollment in health care plans among Michigan residents.

Chip Medicaid

Over 1.2 million Michigan children are enrolled in government-managed health insurance programs, with roughly 72,000 children covered by CHIP and 1.15 million covered through Medicaid. A number of children of low-income families are covered through such programs.

Individual Health Insurance Premiums

Michigan has beat out most of its neighbors in the great lakes region in terms of average monthly health insurance premiums for individual plans, with a monthly average of $1,101, compared with the national average of $1,090. A large number of manufacturing jobs at a handful of employers with strict safety standards likely reduces the cost of health insurance.

Family Health Insurance Premiums

Monthly premiums for Michigan families on employer-based health plans are well below the national average, yet slightly higher than in neighboring states. At $3,470 per month, Michigan families cost less to insure than the national average of $3,962. In the majority of employer-based health plans, the employer foots the bulk of the monthly payment with employees taking care of a portion of the premium.

SAHIE Health Insurance Uninsured

Between 2005 and 2011, the Census Bureau estimates that the number of Michigan residents going without health insurance increased from just over 1 million to nearly 1.2. million. Following the auto industry bust and bailout in 2008 and 2009, the estimated numbers of uninsured residents increased each year.

Rules in Your State

Fortunately for Michigan residents, the Insurance Commissioner has set forth specific guidelines and requirements for health insurance benefits, which are listed below. Beyond that, you’ll find other rules regarding consumer protection and insurance trade practices listed below. For even more information, visit the DIFS website listed in the following section.

Michigan Insurance Code: Unfair and Prohibited Trade Practices

This section of the insurance code sets out unfair and prohibited trade practices and acts, as well as frauds and deceptions for both insurers and consumers. Most insurers are probably in compliance with this section of the code on a day to day basis, but if you feel like your rights have been compromised or you’ve been treated unfairly, check through this section or consult with an attorney.

Michigan Consumer Protection Act

This act was implemented in 1976 and outlines basic protections and rights for consumers in Michigan. While it doesn’t specifically address insurance, it generally applies to consumers interacting with businesses and corporations, and how their rights may be protected.

Alcohol & Health Insurance in Michigan

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Michigan law does not address whether insurers are allowed or prohibited from denying benefits for losses due to intoxication.
Health plans in Michigan must offer coverage for treatment of alcohol-related disorders, and must cover such treatment and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.

Representatives & Resources in Your State

The following resources are a great starting point to learn more about insurance and to get familiar with your local government and all it has to offer on the topic of health insurance. For consumers who need guidance or assistance in serious insurance matters, be sure to contact the Insurance Commissioner or consult with an attorney if your rights have been compromised.

Michigan Department of Insurance and Financial Services (DIFS)
PO Box 30220
Lansing MI 48909-7720
Contact Information for DIFS
DIFS Consumer complaint resource
Comparison of Health Benefits in Various Michigan Health Plans
This chart lists the health benefits offered by a handful of major health insurance plans offered to Michigan residents and state and federal employees. It also lists the Michigan mandates for each given service or coverage. It’s a good resource for at-a-glance comparison of various big health plans in the state.
DIFS Guide to Insurance
This section of the DIFS website provides guides to home, health, life, and auto insurance, and addresses numerous topics and goes into detail on most consumer concerns. If you’re looking for guidance on a particular issue, you’re likely to find it here.
DIFS Consumer Guides
The Insurance Commissioner has compiled numerous guides and pamphlets to address various topics and concerns surrounding insurance in Michigan. These guides will likely answer most questions you might have and educate consumers further about how insurance works in the state.

Michigan Department of Human Services
Department of Human Services
235 S. Grand Ave.
P.O. Box 30037
Lansing, Michigan 48909
Contact Information for DHS

MIChild: Michigan’s Children’s Health Insurance Program (CHIP)
Capitol View Building
201 Townsend Street
Lansing, Michigan 48913
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Contact Information for MIChild