How Do I Change an Individual and Family Plan?

Having health insurance is important. Having the right health insurance is just as important. When you need to change your health plan from Blue Cross Blue Shield of Michigan, we'll help you understand what you can do and when you can do it.

Note: If you get your health coverage through an employer, contact them about when you can change your health plan. If you need information about changing your Medicare plan, visit our Medicare site.

When can I change a plan?

You have two opportunities:

  • During open enrollment. Open enrollment for 2025 has ended. 
  • During special enrollment. You're eligible if you've had certain changes in your life, also called qualifying events.

These are the only times you can change a health plan. If you miss open enrollment, or don’t qualify for a special enrollment period, you’ll have to wait.

How do I change my plan during open enrollment?

How you change your health plan depends on how you purchased the one you already have.

  • If you purchased your health plan on bcbsm.com, you can sign up for a new plan online, too. We'll do the rest.
  • If you purchased the health plan you want to change through a health plan advisor or insurance agent, contact them.
  • If you purchased the health plan you want to change on healthcare.gov, log in to your account there. You can Renew, change, update, or cancel your plan.

How do I change my plan during special enrollment?

When you have certain changes in your life, you don't have to wait for open enrollment to change your health plan. Generally, you can do it up to 60 days after the event any time during the year. For more information, see How Do I Buy or Change a Plan During Special Enrollment? 

I signed up but haven't received my ID card yet

New members with employer-sponsored plans

If you have an employer-sponsored health care plan, you may need to fill out a Subscriber New Enrollment Form.

If you have any questions while filling out the form, please contact your employer. They should be able to tell you what your next steps are. 

Subscriber New Enrollment and Change of Status form (PDF)

Anytime you enroll in a new plan, you'll need to fill out the form and send it to us. Please follow our instructions, and mail or fax it to use using the address and numbers on the form. 

  1. On the top of the form, choose what type of health insurance provider you'd like to enroll with by checking the box for either Blue Cross Blue Shield of Michigan or Blue Care Network. If you are a Blue Care Network member, you'll need to return the Blue Care Network Primary Care Physician Selection form (PDF) along with this form.
  2. Fill out the form completely. The last section of the form,  "Employer/Group use only," is for your employer to fill out. Check with your employer to find out if you should return the form to them first so that they may fill out their portion before mailing or faxing it to us.
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