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How does the size of my family impact my insurance cost?

Who is this for?

Michigan Health Insurance – Customer Service – Learn More

If you have an individual and family health plan, this explains how the number of people covered by your insurance affects your monthly payment and other costs.

A family with six children will probably have higher medical expenses than a couple with no children. That's one way the number of people on your plan can affect costs. Here are other ways what you pay is determined by who you're paying for.

Premiums and people on your plan

If you've added a spouse or child onto a plan, you know that your monthly payment goes up. That's because you're charged for each person covered by your plan.

The exception? If you have more than three children on your plan, we only charge you for your three oldest children up to age 21. You don't pay a premium for any other younger children.

Individual versus family plans

An individual plan has one member, or just one person covered by the plan. Family plans cover two or more members.

Your plan's cost sharing includes your deductible, coinsurance and copay maximum and out-of-pocket maximum. These amounts are based on whether you have an individual or family plan. Whatever the amount is for an individual plan, it's always double for a family plan.

Your deductible and maximums can be met by one or more family members.

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