Michigan Health Insurance Plans and Healthshare Programs
HSA for America Offers Michigan Health Insurance Plans and Healthshare programs at the Lowest Rates Available!
HSA-QUALIFIED HEALTH INSURANCE QUOTE
The word "HSA" will be in the plan name if the plan is HSA-qualified. You will also see quotes for non-HSA plans.
HEALTH SHARING PLAN QUOTE
Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses.
We have indicated the most popular option we offer in MI in the list of health insurance carriers and health sharing organizations that we represent below. Easily compare plans and rates when you run a health insurance instant quote or a healthshare instant quote.
Note: When you get an instant quote, you will only see plans available in your zip code. Some plans are not available in all areas of the state and some may be available only during certain times of the year.
Altrua is notable for its popular RUBY plan tier. It features extremely low monthly costs, though benefits are limited as well.
For example, sharing benefits are capped at $150,000 per year. Unlike most other Altrua is a particularly good match for older health share members because it doesn’t have age banding.
Ambetter is the most rapidly growing health insurance company in the country. It has become popular because of its competitive rates, and reputation for customer service.
Coverage includes 24-hour telehealth, and incentives for healthy behavior.
Read More about Ambetter Health
Founded in 1998, Blue Care Network (BCN) of Michigan is a nonprofit health maintenance organization owned by Blue Cross Blue Shield (BCBS) of Michigan. BCN has over 900,000 members, and their network network includes almost 6,000 primary care physicians and over 23,000 specialists. BCN has been the largest HMO in MI for 20 years.
BCBS is one of the most widely known and trusted names in the health insurance industry. Blue Cross Blue Shield has one of the most competitive HSA plans in the state of Michigan.
Founded in 1989, CareSource has grown to serve nearly 2 million members across Ohio, West Virginia, Georgia, Indiana, and Kentucky. Their CareSource Bronze plans are HSA-eligible and are available in all five states. 
Read More about CareSource
DPC Direct is an affordable, cost-efficient health sharing program exclusively for Direct Primary Care patients.
DPC clinics charge a low monthly fee to cover all primary care, including preventive care and unlimited doctor visits, while the DPC Direct protects from emergency and hospitalization expenses. (Read more about Direct Primary Care in our Complete Guide to Direct Primary Care).
Interested in contributing to a health savings account but you’re in a health sharing plan that isn’t HSA-eligible? Then HSA MEC may be the solution for you.
HSA MEC isn’t a health sharing plan per se. Instead, HSA MEC is an add-on to your existing health sharing plan that qualifies you to make pre-tax contributions to HSAs.
So you can take advantage of the immense tax benefits of the health savings account.
Note: At this time, HSA MEC is only available to business owners, independent contractors, and those with verifiable income from self-employment. Those with DPC memberships are not allowed to make HSA contributions.
This innovative health share plan is HSA-compatible on its own. HSA Secure offers great catastrophic sharing benefits, and excellent value overall.
Currently only available to business owners, independent contractors, or individuals with verifiable self-employment income. (If you don’t meet these criteria, consider the CARE+ plan, which has nearly identical benefits (except it does not include certain preventative screenings) and is available to anyone, including W-2 employees and those between jobs or looking for an affordable “bridge to Medicare eligibility.”
JHS Community is an excellent, very low-cost choice if you want a health sharing plan focused on major and catastrophic needs and you can afford to contribute up to $10,000 to $15,000 per year in the event you unexpectedly need care.
It’s faith-based, but non-denominational. The JHS Community Divine plan is arguably the best catastrophic-focused value in the health share industry.
Read More about JHS Community...
McLaren Health Care is one of the newer health care systems in the United States, serving over 260,000 members in the Michigan area.
Medi-Share is among the largest and most established health share ministries in the country, with a 25-year track record of reliable cost sharing and a 98% member satisfaction rate.
It’s an explicitly Christian organization: new members are expected to attend religious services and attest to their Statement of Faith.
National General Holdings Corp, the parent company of Accident & Health, covers a wide range of insurances from car to homeowner to health. As a division of NGHC, National General Accident & Health is committed to bringing short-term and supplemental coverage to individuals and groups.
netWell’s “Advantage” tier also works well for those who want lower costs and more focus on catastrophic care.
Both tiers include access to an extensive pharmaceutical discount plan with hundreds of generics available for free. Compare this with Prosper or OneShare Health.
Read More about netWell Healthshare Plans
An affordable, faith-based health sharing plan with excellent maternity benefits. OneShare Health’s comprehensive Classic plan compares favorably to netWell Healthshare or Prosper.
Read More about Oneshare Health
Founded in 2012, Oscar Health Insurance is available in Arizona, Florida, Georgia, Iowa, Illinois, Kansas, Michigan, Missouri, North Carolina, Nebraska, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia.
Read More about Oscar Health Insurance
In 1980, Physicians Health Plan was born from Sparrow Health System and a group of physicians. Together, they created an independent practice association (IPA), which is made from local physicians, hospitals, and other medical professionals.
Priority Health is a Michigan-based health insurance company with a 20 year history and offers a variety of health plans to choose from for both individuals and families. In 2012, Priority Health earned Excellent accreditation from the National Committee for Quality Assurance, which is the highest level a health plan can earn.
Prosper’s health share offering is designed for people who want a benefits-rich plan that includes preventative care and significant sharing for primary care doctor visits.
Higher monthly costs than some other health share plans, but still much lower than unsubsidized traditional health insurance products. Compare with netWell and OneShare Health.
Read More about Universal Healthshare Prosper Program
Sedera Health has one of the shortest waiting periods for pre-existing conditions (36 months) in the health share industry.
No annual or lifetime sharing caps, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Secular - no religious component or requirement.
As a member of UnitedHealth Group Inc, the second-largest healthcare company in the world, United Healthcare is uniquely equipped to offer effective, affordable health insurance plans to individuals and businesses across the United States.
Read More about United Healthcare 
Universal Healthshare is based on the principles of Unitarian Universalism.
This faith-based but non-denominational health sharing ministry is open to members of all faiths who agree to adhere to its statement of principles. A good choice for someone who wants a low initial non-shareable amount. Universal is a good choice for those with pre-existing conditions, with a short 1-year exclusion period, then a $50,000 cap for years 2 and 3.
Read More about Universal Healthshare
The U.S. Health and Life Insurance Company is a Michigan-based firm that provides self-funded medical and prescription drug coverage, insured dental and life insurance benefits to employers and other groups in Illinois, Indiana, Michigan, Ohio, and Wisconsin.
Read More about U.S Health and Life Insurance 
WBA offers a very low-priced supplemental accident plan that will reduce your deductible for any accident, to just $100. To learn more and sign up, visit the Accident Plans page.
HSA-QUALIFIED HEALTH INSURANCE QUOTE
HEALTH SHARING PLAN QUOTE
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.