Looking for affordable Health Insurance Rates? We can help.

LowMichiganRates.com will help you find affordable health and medical insurance. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top Michigan health insurance companies.

Health insurance is designed to protect you and your family from large out-of-pocket medical expenses that can accumulate during an illness or hospital visit. Health insurance can be expensive. Many employers provide some basic medical insurance under a group policy availabe to company employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans. The major differences between the two categories are evident in how you choose your provider, how out of pocket costs are handled and how bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you either select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose any provider. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Employer provided healthcare is generally the most affordable coverage you can get. If you have this option, get it. If you are eligible for your employer’s Consolidated Omnibus Budget Reconciliation Act (COBRA) plan, this is generally the second best option particularly if you have a pre-existing condition. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions.

MIChild is a health insurance program for uninsured children of Michigan’s working families. Children under 19 years of age, who are not Medicaid eligible, and meet the income, citizenship and residency requirements may be eligible for MIChild. Healthy Kids is a state wide health insurance program for low-income pregnant women, babies (up to one year old), and children under 19.

Our customers come from Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, Lansing, Flint, Kalamazoo, MI and other great cities in the buckeye state to find low cost health insurance from top rated insurance companies. Michigan health insurance premiums vary significantly amongst carriers and plans. To help keep your premiums down, you need to compare multiple quotes. We make that process simple.