Where to Find Affordable Family Health Insurance in Michigan

Where to Find Affordable Family Health Insurance in Michigan

Aug 15 2014

Feeling like health insurance is too expensive? You may be eligible for help with your costs and not know it.

There are several options available today to help you find affordable family health insurance.

Here are some that might work for you or your family:

Medicaid is the state assistance program for health care coverage. Traditional Medicaid covers mostly pregnant women and children. The program will cover pregnant women who have an income at or below 195 percent of the Federal Poverty Level or roughly $22,000 per year.

Healthy Michigan is health care coverage offered through the state of Michigan. It includes preventive care and general wellness for the individual.

To qualify for Healthy Michigan, you must:

  • Be between the ages of 19 and 64
  • Have an income at or below 133 percent of the Federal Poverty Level, which is close to $15,000 a year for a single person or $34,000 for a family of four.
  • Be a Michigan resident
  • Not be eligible for or enrolled in Medicare
  • Not be pregnant when applying for the plan

Priority Health Medicaid Affordable Family Health Insurance Michigan2Healthy Kids is a Medicaid health care program for low-income children under 19 years old and for pregnant women of any age. Healthy Kids has no premium payment and provides a full package of health care benefits including vision, dental and mental health services. Children of families who make below 150 percent of the Federal Poverty Level(about $35,700 or less for a family of four) are eligible.

MIChild is another Medicaid health care option for low-income uninsured children of Michigan’s working families where the household income is between 150 and 200 percent of the Federal Poverty Level. This represents incomes between about $35,700 and $47,000 a year for a family of four. The program offers a low premium of just $10 a month and provides all of your children health and dental insurance.

These are just a few of the most frequently used programs. There are also other options for pregnant women and individuals with disabilities.

To learn more and to find out if you qualify, call your local Department of Human services office.

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