Michigan small business and individual health insurance

This page includes news and tips for small business owners and self-employed people who purchase their own health insurance.

Individual major medical insurance enrollment for 2018 is open from November 1 through December 15, 2017 at the federal government’s insurance web site. You can see plans and rates without creating an online account here. We offer limited free personal support with questions through OnlineNavigatorTM service.

Short term options, dental coverage, supplemental insurance and other health benefit plans are available through multiple sources. We suggest Smart Insurance Marketplace as the first place to look. Telephone and email support is available.


11/11/2017 – Physicians Health Plan and other health insurers in the state of Michigan announce that they have plenty of help for people who have questions about 2018 enrollment. Health insurance plans quoted for our test case showed more than two dozens plans offered by five different insurance carriers ranging from about $250 to $550 per person per month for a resident who does not qualify for a premium credit. 4 out of 5 applicants qualify for some subsidy, so our test is based on the ‘worse case’ scenario of an individual who does not qualify for any subsidy. Those who cannot afford these plans are advised to obtain a ‘waiver’ to avoid a tax penalty and enroll in one of the lesser coverage plans that they can afford. Freedom Benefits can help answer questions about these alternate strategies.