Health Insurance for You and Your Family

Whether you buy your own coverage or get health coverage through your employer, Blue Cross Blue Shield of Michigan has health plans for every step of life's journey.

How can we help?

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Need to buy or change a plan this year?

If you've had certain changes in your life, you could qualify for special enrollment. 

These events can include:

  • Job-related events
  • Loss of coverage
  • Marriage and divorce
  • New child
  • Moving
  • Early retirement
  • Other events

Find out if you qualify for special enrollment

Learn more about our health plans

To get help choosing a plan, call 1-855-237-3501. TTY users dial 711.

 

If you get your health coverage through your employer, contact your benefits representative for information on choosing a plan.

Four JD Power Awards recognizing BCBSM for being highest in member satisfaction

Awards

Best in Member Satisfaction

Blue Cross Blue Shield of Michigan ranks #1 in Commercial Health Plan Member Satisfaction in Michigan, four out of five years. We’re also rated highest in Trust, Product/Coverage Offerings and Helping Save Time or Money — so you can choose coverage with confidence. For JD Power 2026 award information, visit jdpower.com/awards.

Go paperless logo that says help protect the environment

We’re going paperless

Beginning Aug. 1, 2025, members with individual or family plans will no longer receive a paper bill in the mail. Your bill will be accessible by logging in to your member account.

Not registered? Sign up now.

After Aug. 1,  you can change your preferences by logging in to your member account or by calling the number on the back of your member ID card.

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Find the care you need

Our resources help you find a doctor, pharmacy, dentist, or eye doctor, plus information to maintain your well-being.

FIND CARE

Plan forms and documents

 

 

 

Read our forms and documents
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Already one of our valued members?

Log in to your account to see your specific health plan information, schedule auto payments and take advantage of all of your personalized benefits.

Log in Not registered? Sign up now.

Frequently asked questions

Congress is making changes to the Affordable Care Act in 2026. Learn how they could affect your premiums.

As you look at plans, you may notice that some plans are HMOs and some are PPOs, but what does that mean?

  • HMO stands for health maintenance organization. 
  • PPO stands for preferred provider organization. 

All these plans use a network of physicians, hospitals and other health care professionals to give you the highest quality care. The difference between them is the way you interact with those networks. 

See our health insurance plan help page to learn more about HMOs and PPOs.

Subrogation is the process of getting the responsible party's insurance company to pay when someone is injured. This protects members from paying medical costs that should be paid by whoever is responsible.

See our health center page to learn more about subrogation.

Special enrollment offers a chance for people with individual coverage to buy or change their plan.

If you've had certain changes in your life, like having a baby or getting married, you may qualify for special enrollment.

Go to our qualifying life events page to learn more.

MEMBERS

Resources

If you have questions about any of your member benefits or resources, we're here with answers. FIND RESOURCES

  • Pay Your Bill

  • Drug Lists

  • Plan Documents and Forms

  • Blue Cross Well-Being℠

  • Blue365® Member Discounts

Need more information?

Let us help you find the right plan or get the most out of your coverage for you and your family.
HAVE US CONTACT YOU