Even though group health insurance is the best option, there are other ways to get affordable health insurance in Michigan if you can't get it through your employer.
If you just lost your job, you may be able to keep your health insurance through the Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA. This law lets you keep your health insurance even after you lose your job. You might also be able to get help from HIPAA, which stands for the Health Insurance Portability and Accountability Act. Other options for cheap health insurance in Michigan include insurance conversion, Medicaid, Medicare, and state-sponsored health care plans for people with low incomes, children, and families, or for those who can't afford a policy otherwise.
But if none of these options work for you, you may have to buy a health insurance plan for yourself. But in Michigan, you can try to buy a cheap individual health insurance plan without worrying about being turned down because of health problems you may have already had. The only catch is that you have to buy your own health insurance plan from Blue Cross Blue Shield of Michigan.
Why should you agree to this condition? Because it is hard for people with health problems that have already been diagnosed to buy individual health insurance. Sometimes, health insurance companies won't sell people their own policies because they think the people are too "high-risk," which means that the company will have to spend a lot of money on them. This is sad, but it does happen.
Individual health insurance policies can be expensive, but that shouldn't stop you from getting one, especially if you have a health condition that needs regular care, treatment, and medication. You can find cheap health insurance in Michigan. Contact the Michigan Office of Financial and Insurance Services to find out more about how Blue Cross Blue Shield of Michigan can help you get an affordable health insurance plan for yourself.
