Blue Cross Blue Shield of Michigan helps consumers determine ACA health plan subsidy eligibility and enrollment options based on reform guidelines

Nov. 7, 2013

Blue Cross Blue Shield of Michigan is offering a series of enrollment sessions to help consumers navigate through the new Marketplace. Blues health care experts will outline the fundamentals of the Affordable Care Act, explaining how reform has affected insurance coverage. 

Consumers will learn how to select the best plan by evaluating cost-sharing options, in addition to monthly premiums. Attendees will receive materials and resources to determine if they qualify for financial assistance. If they’re ready to apply, certified resources will be there to help with actual enrollment and answer any questions as they come along. Health care experts will also be providing health screenings and basic information on conditions like high blood pressure, asthma, and diabetes.

The following enrollment sessions are currently offered. More sessions will be added throughout the open enrollment period. To find an event near you, or to pre-register, go online to or call 313-225-8755.

  • Benton Harbor: Friday, Nov. 8, 11 a.m. to 7 p.m.
    Harbor Bluff Complex 721 Natewells Drive, Benton Harbor
    Sessions for consumers interested in individual health plans: 11 a.m. to 2 p.m.
    Sessions for service and low income workers: 5 to 7 p.m.
  • Butzel Family Center: Thursday, Nov. 14, 4 to 6:30 p.m.
    7737 Kercheval, Detroit
  • The Children’s Center: Monday, Nov. 18, 4 to 7 p.m.
    79 Alexandrine St. W, Detroit
  • Northwest Activity Center: Thursday, Nov. 21, 10 a.m. to 1 p.m.
    18100 Meyers, Detroit
  • Matrix Human Services: Tuesday, Dec. 3, 6 to 8 p.m.
    13560 E. McNichols, Detroit
  • Northwest Activity Center: Tuesday, Dec. 10, 4 to 7 p.m.
    18100 Meyers, Detroit
Blue Cross Blue Shield of Michigan, the only carrier offering plans in all 83 Michigan counties, is partnering with various community organizations, including Matrix Human Services, Detroit Branch NAACP, The Children’s Center and Butzel Family Center, to host these enrollment sessions.

These sessions are for individuals who are interested in a Blues plan but need guidance selecting and enrolling in the right plan for their unique situation. All sessions are free and open to the public who are not Medicare eligible.  

Cost, plan design, and understanding subsidy eligibility are among the top questions consumers still have about enrolling in a health plan on the new federal health insurance marketplace. The opening of the Health Insurance Marketplace on Oct. 1 left millions of Americans, many new to buying health insurance, confused about what steps they needed to take to enroll in a health plan. 

Subsidy eligibility is based on household income and the number of people seeking coverage within the household. Individuals with income exceeding the amounts below can call a Blue Cross health plan advisor or licensed agent to enroll in a health plan. Those eligible for subsidies are within the following income levels:

General Household Income Guidelines for Subsidy Assistance
Number of people in consumer’s family/household seeking coverage An individual making an annual income of less than the amounts below (400% of the federal poverty level) may quality for a subsidy An individual makes less than the amounts listed below (250% of the federal poverty level), they may also qualify for reduced silver plan cost sharing
1 $45,960 $28,725
2 $62,040 $38,775
3 $78.120 $48,825
4 $94,200 $58,875
5 $110,280 $68,925
6 $126,360 $78,975
7 $142,440 $89,025
8 $158,520 $99,075


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