Health Insurance Consultants

Group and Individual Insurance Quotes

Call: (248) 822-6070

Email: jbok99@gmail.com

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Individual Insurance Quote

The health insurance industry is constantly changing and for 2022 the rates have remained stable, however, there are fewer options and most will have higher out of pocket costs. We recommend plans that have office visits covered before deductible so at least some coverage is available right away.

The carrier we suggest is Blue Cross which has the larger provider networks. To view plans, receive rates and to apply, click on the links below. Dental and vision coverage can also be obtained through each of these carriers.  Federal government subsidies to help pay the premium are available only with Blue Cross.

  • Blue Cross Blue Shield of Michigan and Blue Care Network

    Shop for Blue Cross Coverage

For affordability, there are Short Term medical plans available at a much lower cost that will offer very good coverage.  The downside to Short Term plans is that they are only good for three months and require medical questions to be answered. If an individual checks “yes” to any of them, the application will be declined. Once in a Short Term plan, if a serious medical condition arises, a new Short Term plan will be denied at renewal and the only new plan available would be a traditional plan effective January 1st of the following year.

  • Individual Short Term Medical – Learn More and Apply Online

 

If prescription costs are an issue, email rxshoppers@gmail.com for quotes on brand name drugs to compare rates from several U.S. and Canadian pharmacies.

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Depending on your household income, you may qualify for government subsidies to help lower your monthly premium payment.

Persons in Family/Household100% FPL: Minimum to Qualify for ACA Assistance138% FPL: Medicaid Cap (in States that Expanded)250% FPL: CSR Subsidies Cap400% FPL: Premium Tax Credit Cap
1$12,880$17,775$32,200$51,520
2$17,420$24,040$43,550$69,680
3$21,960$30,305$54,900$87,840
4$26,500$36.570$66,250$106,000
5$31,040$42,836$77,600$124,160
6$35,580$49,101$88,950$142,320
7$40,120$55,366$100,300$160,480
8$44,660$61,631$111,650$178,640
For families/households with more than 8 persons, add $4,540 for each additional person.

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Contact Information

Health Insurance Consultants
441 S. Livernois Suite 270
Rochester Hills, MI 48307
Phone: (248) 822-6070
Fax: (248) 822-6061

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