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Thursday, July 2, 2015  
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Individual Health Insurance in Michigan (MI)

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More than 5.5 million Americans make their home in the Great Lakes State and another 78,000+ more are born each year. Unfortunately, 10 percent of the residents of Michigan are uninsured. However, with the number of choices available today in health insurance policies, there's no reason this number can't shrink down to zero.

Michigan Health Statistics

In Michigan, 14 percent of new mothers do not receive the prenatal care they need, ostensibly due to the lack of health insurance coverage. As a result, more than 10,800 babies are born with a low birth weight, almost 8 percent of all newborns. Another 12 percent are born prematurely. Without insurance, 19 percent of children under the age of 3 are not getting the immunization shots they need to stay healthy.

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Children, too, are suffering for lack of preventative care. Fourteen percent of kids between the ages of 10 and 17 are overweight and 39 percent did not make it to the dentist's and the doctor's office last year. Basic health insurance policies would help remedy these issues.

Health Insurance Needs In Michigan

Adults in Michigan would do well with effective health insurance coverage, too. Eight percent of adults are diagnosed with diabetes, almost 14 percent have asthma and 60.5 percent are overweight or obese. Smoking is a problem for 22 percent of Michigan's adults and 38.6 percent report poor mental health. All of these conditions can be life threatening if not caught early, monitored by a doctor and treated efficiently. Don't procrastinate another day: get your free health insurance quote now.

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Michigan Health Insurance Laws

Blue Shield of Michigan can not deny coverage to an applicant. Other insurance companies are allowed to deny coverage. If you are HIPAA eligible, Blue Cross Blue Shield can not impose exclusion periods for longer than six months. Check with your state insurance department for HIPAA eligibility requirements.

All other insurance companies can not impose exclusion periods longer than 12 months. Pregnancy qualifies as a pre-existing condition. There are regulations limiting premium increases with Blue Cross Blue Shield of Michigan. There are no limits for other insurance companies on premium prices. The state prohibits cancellation of your policy if you become sick.

Michigan Individual Health Insurance Companies


Assurant Health
Blue Cross Blue Shield of Michigan
Fairmont Specialty Group
Golden Rule
Security Life

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Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company profiled on this site.

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