Michigan's economy is full of contractors, gig workers, and small business owners who don't get coverage through a job. I help individuals, the self-employed, 1099 contractors, families, and small businesses across Michigan — from Detroit, Grand Rapids, and Warren to Ann Arbor and Lansing — find private under-65 plans that fit real budgets.
Michigan uses the federal HealthCare.gov marketplace for ACA plans, which are guaranteed-issue and subsidy-eligible if you qualify. But for healthy self-employed Michiganders who earn too much for subsidies, private under-65 plans can be a more flexible, affordable route — often with PPO-style access and year-round enrollment. I help you compare both honestly.
Independent means I compare your real options and recommend what fits you, not one company's lineup. One licensed advisor, start to finish. Licensed in 31 states, including Michigan. (Ryan Michalek, NPN 21043091.)
It depends which lane you're in. HealthCare.gov marketplace plans are mostly locked to open enrollment unless you've had a qualifying event, like losing a job or moving. Private under-65 plans tend to be more flexible and often accept applications throughout the year, which is usually where I start the conversation if you've already missed the marketplace window.
Yes, the whole state — Detroit, Grand Rapids, or up in the Upper Peninsula. I work by phone and video, so we can handle everything without you having to drive anywhere.
No. I get paid by the carrier when a plan is placed, which means my advice doesn't cost you a dime, whether we find the right fit right away or it takes a few conversations.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering a team? Explore small business & group coverage → · See all service areas →
A quick call is all it takes — I'll find what fits your budget and stick around afterward.