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MoneyGeek Logo IconBest Health InsuranceMichigan
2023

Best Health Insurance in Michigan

Best Overall for Health Insurance in Michigan

US Health and Life Insurance Company offers the best health insurance in Michigan, with a MoneyGeek score of 80 out of 100. This insurer is the most affordable, rarely, if ever, denies claims and offers EPO plans.

Our ratings were determined based on data from nine Silver EPO plans, 69 Silver HMO plans and three Silver PPO plans in Michigan.

MoneyGeek Pick: US Health and Life Insurance Company

US Health and Life

pros

Offers the least expensive plans compared to other insurers in Michigan

Denies fewer claims than its competitors

cons

Doesn’t have the lowest maximum out-of-pocket (MOOP) costs

COMPANY HIGHLIGHTS

MoneyGeek found that the US Health and Life Insurance Company is the best option for health insurance in Michigan. The company offers four EPO plans, which are similar to HMO plans in that you have to use an in-network provider to receive coverage. However, unlike HMO plans, you may not need a referral to see a specialist.

Plans with this company cost an average of $345 per month and have an average MOOP cost of $8,075. Out of the ten insurers in our comparison group, US Health and Life Insurance Company received our highest score for claims management. This means that your claim is more likely to be approved by this insurer than with others.

Plan Recommendations

MoneyGeek recommends the following Silver plans from the US Health and Life Insurance Company:

  • Ascension Personalized Care Balanced Silver: $358 per month; MOOP $5,400
  • Ascension Personalized Care Low Premium Silver: $330 per month; MOOP $8,900
  • Ascension Personalized Care Standard Silver: $332 per month; MOOP $8,900

Best Health Insurance in Michigan for Low Out-of-Pocket Costs

In Michigan, Oscar offers the best health insurance plans for low out-of-pocket costs, scoring 79 out of 100. The insurer offers plans at a lower average monthly premium and MOOP cost than other providers. In addition to being an affordable option, the insurer also has an excellent record for claims approval.

MoneyGeek analyzed five Gold EPO plans, 45 Gold HMO plans and two Gold PPO plans for this category.

MoneyGeek Pick: Oscar

Oscar Insurance Company

pros

Offers plans with one of the lowest average MOOP costs compared to other companies

Ranked second for claims management (rarely denies claims)

Ranked second for plan affordability among other insurers

cons

Only offers EPO plans

COMPANY HIGHLIGHTS

MoneyGeek picked Oscar as the best health insurance provider for low out-of-pocket costs in Michigan. It offers four Gold EPO plans, costing an average of $409 per month. The average MOOP cost is $7,475, which is among the lowest of the insurers included in our comparison group. Its claim denial rate is 6%, which means the insurer will likely approve your filed claims.

Oscar’s EPO plans require you to use providers in its network unless it’s an emergency. However, you may not need a referral to see a specialist.

Plan Recommendations

Based on MoneyGeek’s recommendations, you should opt for the following health plans from Oscar:

  • Gold Elite: $416 per month; MOOP $5,500
  • Gold Classic: $397 per month; MOOP $7,000
  • Gold Classic - Standard: $379 per month; MOOP $8,700

Best Cheap Health Insurance in Michigan

US Health and Life Insurance Company offers the best cheap health insurance in Michigan, receiving a MoneyGeek score of 88 out of 100.

To choose the most affordable insurer, we placed more weight on monthly premium cost in our overall MoneyGeek score. Typically, plans that have lower monthly premiums feature higher out-of-pocket costs for medical services. These plans are ideal for healthy individuals who infrequently need medical care.

We assessed nine Silver EPO plans, 69 Silver HMO plans and three Silver PPO plans to rank providers in this category.

MoneyGeek also analyzed the cheapest health insurance in Michigan for those who just want the cheapest rates.

MoneyGeek Pick: US Health and Life Insurance Company

US Health and Life

pros

Scored the highest for affordability among its competitors

Denies claims more infrequently than other insurers

cons

Higher MOOP costs than other insurers

COMPANY HIGHLIGHTS

US Health and Life Insurance Company plans feature the cheapest rates, costing an average of $345 per month. This insurer’s MOOP cost is $8,075, which is relatively higher than other insurers. It also has a claims denial rate of 0%, indicating that your claims are virtually guaranteed to be approved.

The company provides four Silver EPO plans. Though affordable, the plans typically only cover out-of-network providers in the event of an emergency; generally, coverage only applies to providers within the insurer’s network. In this way, EPO plans are very similar to HMO plans, except with EPO plans, policyholders may not be required to obtain a referral for a specialist visit.

Plan Recommendations

To get the best cheap health insurance in Michigan, we recommend the following Silver plans from US Health and Life Insurance Company:

  • Ascension Personalized Care Low Premium Silver: $330 per month; MOOP $8,900
  • Ascension Personalized Care Standard Silver: $332 per month; MOOP $8,900
  • Ascension Personalized Care Balanced Silver: $358 per month; MOOP $5,400

Best Health Insurance for Low Income in Michigan

US Health and Life Insurance Company offers the ideal health insurance plan for low-income individuals in Michigan, with an average cost of $345 per month.

For this category, MoneyGeek only reviewed insurers who offered cost-sharing reductions (CSRs) and low monthly premiums. Based on these criteria, we analyzed nine Silver EPO plans, 69 Silver HMO plans and three Silver PPO plans in Michigan.

CSRs reduce both your MOOP cost and your deductible, which can help you avoid the usual trade-off of paying a higher out-of-pocket cost for a lower monthly deductible. However, only those that fall in certain income brackets qualify for CSRs. Typically, Silver plans generally cover 70% of the expected cost of medical care, but this percentage is higher for CSR Silver plans.

For instance:

  • If your income is between $27,180 and $33,975 per year (201%–250% of the federal poverty level), you will qualify for a plan that covers 73% of your health care costs.
  • With an annual income between $20,385 to $27,180 per year (151%–200% of the FPL), you can qualify for a plan that covers 87% of your health care costs.
  • An annual income of less than $20,385 per year (up to 150% of the FPL) may qualify you for a plan that covers 94% of your health care costs.

You should know that these brackets shift depending on the number of people in your household.

MoneyGeek Pick: US Health and Life Insurance Company

US Health and Life

pros

Offers the most affordable plans out of the ten evaluated insurers

Received a perfect rating for claims management (few to no claims are denied)

cons

Ranked third for MOOP costs among its competitors

COMPANY HIGHLIGHTS

For low-income individuals in Michigan, US Health and Life Insurance Company offers four highly rated Silver EPO plans. On average, its plans cost $345 per month and have a MOOP cost of $6,475 for individuals in the 201%–250% FPL bracket. The company has a 0% claims denial rating, so you can rest easy knowing that your claim will likely be approved.

Plan Recommendations

US Health and Life Insurance Company offers the Ascension Personalized Care Low Premium Silver plan, which is the insurer’s best plan option for low-income individuals. Your MOOP costs will change based on your income level. For instance:

  • 201%–250% of the FPL: $330 per month; MOOP $7,250
  • 151%–200% of the FPL: $330 per month; MOOP $2,100
  • Up to 150% of the FPL: $330 per month; MOOP $1,200

Best Health Insurance for Young Adults in Michigan

PriorityHealth offers the best health insurance for young adults in Michigan. This insurer received a MoneyGeek score of 62 out of 100.

For this category, we researched and analyzed companies that offer Bronze or Catastrophic plans. These plans have lower monthly premiums but higher MOOP costs. Only those under the age of 30 are eligible for these types of plans.

MoneyGeek assessed the following plan tiers and types for this category:

  • Bronze: One EPO plan, 15 HMO plans and one PPO plan
  • Expanded Bronze: 11 EPO plans, 60 HMO plans and two PPO plans
  • Catastrophic: One EPO plan, six HMO plans and one PPO plan

MoneyGeek Pick: PriorityHealth

Priority Health

pros

Received the third-highest score for claims management (denies few claims)

Third-lowest average MOOP cost in our comparison group of insurers

cons

Somewhat expensive average monthly premium cost in comparison to other lenders

Offers limited plan types

COMPANY HIGHLIGHTS

PriorityHealth plans cost an average of $262 per month and feature an average MOOP of $8,589. MoneyGeek found that it’s the best health insurance option for young adults in Michigan. The insurer offers twenty-three Expanded Bronze HMO plans.

PriorityHealth has a 7% claims denial rate, which means your claims will likely be approved with this insurer.

Plan Recommendations

Based on our research, the following PriorityHealth plans are the best options for young adults:

  • MyPriority HSA Bronze 7100 - Ascension St. John Providence Network: $202 per month for 18-year-olds and $226 per month for 26-year-olds; MOOP $7,100
  • MyPriority HSA Bronze 7100 - Beaumont Health Network: $208 per month for 18-year-olds and $234 per month for 26-year-olds; MOOP $7,100
  • MyPriority HSA Bronze 7100 - Trinity Health East Network: $225 per month for 18-year-olds and $253 per month for 26-year-olds; MOOP $7,100

Best Health Insurance by Plan Type in Michigan

Insurance companies offer different plan types. The following are the best insurers for different plan types available in Michigan:

  • EPO: US Health and Life Insurance Company (MoneyGeek score of 100 out of 100)
  • HMO: Ambetter (MoneyGeek score of 53 out of 100)
  • PPO: Blue Cross Blue Shield of Michigan (MoneyGeek score of 100 out of 100)

We limited these recommendations to Silver plans because these offer a balance of cost and coverage that suits most people's needs. There are nine Silver EPO plans, 69 Silver HMO plans and three Silver PPO plans in Michigan.

MoneyGeek Pick for HMO: Ambetter

Ambetter
COMPANY HIGHLIGHTS

Ambetter provides eight HMO plans in Michigan at an average of $410 per month and an average MOOP cost of $7,388. Although HMOs are affordable, these plans do not cover out-of-network providers and typically require a referral for specialist visits.

Of the insurers we evaluated, this insurer has the highest claims denial rate at 38%. If you’re concerned about your claim being denied, you may want to choose a different provider.

Plan Recommendations

We recommend the following Silver plans from Ambetter:

  • Clear Silver: $395 per month; MOOP $5,400
  • Clear Silver + Vision + Adult Dental: $418 per month; MOOP $5,400

MoneyGeek Pick for PPO: Blue Cross Blue Shield of Michigan

Blue Cross Blue Shield
COMPANY HIGHLIGHTS

Blue Cross Blue Shield of Michigan’s PPO plans cost an average of $562 per month and have an average MOOP cost of $8,238. This insurer offers three PPO plans in Michigan. It has a perfect claims management score, which makes it highly likely that your claims will be approved.

PPO plans are generally more flexible than HMO plans, as you have access to a wider network with these plans and do not need a referral to see a specialist. However, this added flexibility comes with an added cost.

Plan Recommendations

We recommend the following plans by Blue Cross Blue Shield of Michigan:

  • Blue Cross® Premier PPO Silver Saver HSA: $552 per month; MOOP $7,050
  • Blue Cross® Premier PPO Silver: $545 per month; MOOP $8,800

MoneyGeek Pick for EPO: US Health and Life Insurance Company

US Health and Life
COMPANY HIGHLIGHTS

US Health and Life Insurance Company’s health plans cost an average of $345 per month and have an average MOOP cost of $8,075. One of the most notable features of this insurer is its 0% claims denial rate, meaning your claim will almost certainly be approved.

EPO plans typically cost less and may even allow you to see a specialist without a referral. However, you’ll only receive coverage if you use an in-network provider.

Plan Recommendations

We recommend the following EPO plans from US Health and Life Insurance Company:

  • Ascension Personalized Care Balanced Silver: $358 per month; MOOP $5,400
  • Ascension Personalized Care Low Premium Silver: $330 per month, MOOP $8,900

Best Short-Term Health Insurance in Michigan

The best short-term health insurance in Michigan is National General Accident and Health, scoring 95 out of 100. Short-term health plans differ from traditional ACA-compliant plans and do not offer permanent health insurance coverage or essential health benefits like other plans.

mglogo
MoneyGeek Top Pick: National General Accident & Health
National General Accident & Health

National General Accident & Health offers plans with the lowest MOOP costs, making it our top pick for short-term health insurance in Michigan. Besides these plans, it also offers products like Medicare, critical illness and accident and dental plans. Its health plans have a low co-insurance amount and provide generic prescription drug coverage.

How to Find the Best Health Insurance for You in Michigan

To find the best health insurance provider in Michigan, you should first assess your needs and consider how much you’re willing to pay per month versus out of pocket. MoneyGeek recommends understanding your needs and budget before you go shopping for health insurance.

  • doctor icon

    Understand when a health insurance plan will cover you

    In Michigan, you can choose from nine EPO plans, 69 HMO plans and three PPO plans. While HMO plans are often inexpensive, you can only use the insurer’s in-network providers; out-of-network services aren’t covered, and you need a referral to see a specialist. Similar to HMOs, EPO plans do not provide coverage for out-of-network providers. With these plans, you may not need a referral to see a specialist. PPO plans are flexible and offer a large network of providers.

  • money2 icon

    Weigh the cost of premiums vs. the cost of care

    You may choose a plan with lower monthly premiums, but be prepared to pay higher out-of-pocket costs. For instance, US Health and Life Insurance Company's plan costs an average of $345 per month; however, its average MOOP costs are quite high at $8,075.

Consider Michigan Medicare or Medicaid if You’re Eligible

Medicare is a federal health insurance program that makes it possible for adults who are age 65 and older, or those with a qualifying condition, to access health care services at a lower cost.

Medicare is divided into three parts:

  • Part A (Hospital Insurance): A free coverage that covers hospice care, hospital stays, nursing facility care and other health care services.
  • Part B (Medical Insurance): This covers preventative services and outpatient care.
  • Part D (Prescriptions Drug Coverage): Helps cover the cost of vaccines and prescription drugs.

If you don’t qualify for Medicare, you may be eligible for another government-funded program called Medicaid. In Michigan, you can qualify for Medicaid if your income is below 138% of the FPL.

Frequently Asked Questions About Health Insurance in Michigan

Individuals considering health insurance often have questions about cost and plan availability. MoneyGeek answered the most commonly asked questions below to help you make a well-informed decision.

About Brenna Kelly, Licensed Health Insurance Agent


Brenna Kelly, Licensed Health Insurance Agent headshot

Brenna Kelly is a licensed health insurance agent and health insurance content manager at MoneyGeek. Licensed in Florida, Brenna is qualified to advise on medical insurance, disability, long-term care, critical illness, Medicare Supplements and Medicare Advantage Plans. She combines her experience in content production with expert insight into state, regional and local health insurance markets and policies. Brenna has also earned a Bachelor of Science and Master of Arts in Applied Sociology from the University of Central Florida.