Michigan Health Insurance — Built Around Your Life
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.
How health coverage works in Michigan
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.
Who I help across Michigan
- Self-employed workers and 1099 contractors buying coverage on their own
- Families and individuals shopping outside a job-based plan, from Detroit to the Upper Peninsula
- Anyone whose COBRA is running out, or between jobs and needs coverage fast
- Small business owners setting up a plan for themselves and their employees
- Early retirees who need something to bridge them to Medicare
An independent broker who's still there after you enroll
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.)
Quick answers for Michigan.
Can I buy coverage in Michigan outside open enrollment?
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.
Do you serve all of Michigan?
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.
Is there a fee to work with you?
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.
Explore coverage by situation.
Self-employed & 1099
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Families & individuals
Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA & coverage gaps
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 real person — not a call center. No spam calls, no robocalls, no pressure — just my number, and me on the other end.
Let's find your Michigan coverage.
A quick call is all it takes — I'll find what fits your budget and stick around afterward.