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Michiganders Can Still Get Health Coverage Before Jan. 15

Governor Gretchen Whitmer and Michigan Department of Insurance and Financial Services (DIFS) Director Anita Fox are reminding Michiganders to log on to the Health Insurance Marketplace before the Jan. 15 Open Enrollment deadline to get low- or no-cost health insurance for themselves and their families. 

For most consumers who miss this deadline, the next opportunity to enroll in a new plan is November 2022 with coverage beginning January 2023. 

“Open Enrollment ends soon and if you need health insurance, the biggest mistake you can make is to wait and miss the deadline,” said DIFS Director Anita Fox. “Having the right health plan for yourself and your family can affect your financial well-being, your health, and even your car insurance. If you’re worried that it is either too expensive or too complicated to sign up for a health plan, there are now more no- and low-cost options and there is free, local enrollment help by visiting LocalHelp.Healthcare.gov.” 

The American Rescue Plan established new subsidies that have given more Michiganders the opportunity to qualify for low- or no-cost coverage. In 2021, Michigan consumers saw an average premium reduction of 45% through these subsidies, or more than $71 per month in savings. Statewide, Michiganders saw nearly $12 million in savings per month, and nationally, more than half of consumers found coverage for $10 or less per month. Michiganders can visit HealthCare.gov/Lower-Costs to estimate whether they may qualify for subsidies and other savings before completing their application. 

Consumers can choose from a variety of plans and coverage options on the Health Insurance Marketplace. To review available Marketplace plans, visit HealthCare.gov or call 800-318-2596 before the Jan. 15 deadline. 

Consumers who miss the Open Enrollment deadline may qualify for a Special Enrollment Period if they experience a qualifying life change, but for most Michiganders the next opportunity to enroll in coverage will not begin until November 2022, with coverage beginning in 2023.  

DIFS will host a free virtual town hall to answer questions about health insurance at noon on Wednesday, January 12. Registration is not required. To attend the virtual town hall event, click the event link at its start time. For questions about insurance, visit Michigan.gov/HealthInsurance or call DIFS 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442. 

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents.

For more information, visit Michigan.gov/DIFS or follow the Department on FacebookTwitter, or LinkedIn.  

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