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Is individual health insurance right for me?

Who is this for?

Michigan Health Insurance – Customer Service – Learn More

If you're exploring health insurance options, this will help you understand whether an individual and family plan is right for you.

Health insurance you buy on your own—not through an employer or association—is called individual coverage.

It isn’t just for individuals though. You can get a plan that covers you and your family, too. In 2014, if you don't have a plan through an employer, individual coverage is not only right, it's required for almost everyone by the Affordable Care Act. This includes people who are:

  • Self-employed
  • In between jobs for more than three months
  • No longer covered by a parent's health care plan

If you’re age 65 or older and have enough working credits to qualify, you should look into Medicare.

If you have insurance through your employer

Beginning in 2014, individual insurance might be right for you if the plan your employer offers doesn't meet these guidelines.

  • The plan is affordable. The lowest-priced plan your employer offers can't cost you more than 9.5 percent of your household income.
  • The plan meets minimum value. Your plan's share of the costs of covered services must be at least 60 percent.

Your employer's required to let you know whether your plan meets these guidelines. If it doesn't, you may be eligible for financial assistance, called a subsidy, that helps pay for your individual plan.

Affordable health insurance for individuals

Think you can't afford health insurance on your own? The first thing you should do is see if you're eligible for financial assistance. Use our subsidy estimator to see if you qualify.

Depending on your income and age, you may also be eligible for:

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