Medicaid, Marketplace Eligibility and Life "Off Marketplace"

More people are moving to the individual marketplace for health coverage.  The American Rescue Plan expanded open enrollment.  Open enrollment is now from November 1st to January 15th.  It used to end on December 15th but delaying your decision until after December 15th will push your plan effective date to February 1st.  The type of coverage you pursue will depend on your prospective adjusted gross income for your tax household.
 
We provide free assistance helping people to maneuver the online experience and also seeing if you qualify for a special election period.

If your household Adjusted Gross Income (AGI) is below 133% of Federal Poverty Level (FPL) then we can help you apply for Healthy Michigan Medicaid. 

Between 133 to 400% of FPL you may benefit from advance premium tax credits and/or cost sharing reductions that can get you a health plan for little or no cost. 

Above 400% of FPL you may be better off buying your plan "off marketplace" direct from the health carrier.  Since "off marketplace" plans don't have cost sharing reductions factored into their rates, consumers can save up to 18%.
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​The chart below gives guidance on where you may best be served.  We can discuss and walk you through these options.