FIND YOUR HEALTH PLAN
PLAN IV
MAKES IT SIMPLE
Health Insurance Advisors for Individuals, Families, & Businesses in Troy, MI
Licensed Michigan Advisors serving individuals, families, and small businesses across Michigan.
Plan IV is an independent health insurance and benefits advisory firm based in Troy, Michigan. We help individuals, families, and businesses compare ACA marketplace plans, Medicare options, and private health coverage, while also supporting related benefits such as disability insurance, travel coverage, and employer-sponsored programs.
FIND YOUR HEALTH PLAN
PLAN IV
MAKES IT SIMPLE
Health Insurance Advisors for Individuals, Families, & Businesses in Troy, MI
Plan IV is an independent health insurance and benefits advisory firm based in Troy, Michigan. We help individuals, families, and businesses compare ACA marketplace plans, Medicare options, and private health coverage, while also supporting related benefits such as disability insurance, travel coverage, and employer-sponsored programs.
WHEN CAN YOU ENROLL IN HEALTH INSURANCE IN MICHIGAN?
Health insurance enrollment in Michigan happens during specific windows each year. While the annual Open Enrollment period has ended, many individuals and families may still qualify for coverage due to a life change, job transition, or other special circumstances.
Annual Enrollment Periods in Michigan:
Open Enrollment in Michigan runs from November 1, 2025 through January 15, 2026. Medicare Open Enrollment runs from October 15 through December 7.
- Individual & Family (ACA) Open Enrollment: November 1 – January 15
- Medicare Annual Enrollment: October 15 – December 7
Outside of Open Enrollment, you may still be eligible to enroll or change plans if you experience a qualifying life event such as losing coverage, moving, getting married, having a child, or changes in household income.
At Plan IV in Troy, MI, our advisors help you understand your options year-round—whether you’re enrolling during Open Enrollment, reviewing an existing plan, or navigating coverage changes outside the standard enrollment window.
Trusted by Over 1,200 Businesses—And the Individuals Behind Them
All-in-One Insurance Solutions for Individuals, Families & Businesses in Troy, MI
Tired of hidden costs and confusing coverage? At Plan IV, we offer clear, dependable insurance solutions—no surprises, no guesswork. Whether you need health, dental, or retirement planning, our team connects you to trusted plans and providers that fit your life and your budget.
We’ll match you with the right health, dental, or retirement options.
Health Care Plans
Dental Plans
Vision Plans
Group Medical Cover
Supplemental Insurance
Retirement Plans
Support Your Team with Smarter Health Benefit Solutions
Advice You Can Count On.
Plans Your Employees Can Trust.
Our group medical plans help protect your team from rising healthcare costs—while providing reliable access to quality care, specialists, and preventive services.
Beat Medical Inflation
Get Access To Specialists
Best Quality Healthcare
Medicare Supplement Plans
Tax Savings
Preventive Wellness Visits
Advice You Can Count On
A medical insurance plan is extremely important since it provides full coverage against ever-increasing healthcare expenses
Beat Medical Inflation
Get Access To Specialised
Best Quality Healthcare
Avail Cashless Hospitalization
30% Save Tax
Preventive Health Check-Up Coupons
Explore Our Individual & Family Health Insurance Plans
Individual & Family
Through a personalized consultation, we’ll help you choose the right health, dental, and life insurance plans to fit your lifestyle, budget, and future needs.
Small Business Insurance
In today’s competitive job market, offering great benefits isn’t optional—it’s essential. We help employers build flexible, cost-effective benefit packages that attract and retain top talent.
Insurance Plans For You
Plan IV helps individuals, families, and small businesses navigate health, life, and retirement insurance options—so you can make confident, informed decisions about your future.
Frequently Asked Questions
Helping You Make Confident Choices About Health, Benefits, and Coverage
What does Plan IV do?
Plan IV is an independent health insurance and benefits advisory firm based in Troy, Michigan. We help individuals, families, and small businesses compare ACA marketplace plans, Medicare options, and private health insurance coverage to find plans that fit their needs and budget.
As an independent agency, we work with trusted carriers—including Blue Cross Blue Shield, HAP, Priority Health, and Nationwide—to provide objective guidance across health insurance and related benefit options.
When is Open Enrollment in Michigan?
Open Enrollment for individual and family health insurance plans typically runs from November 1 through January 15 each year.
Medicare Annual Enrollment generally takes place from October 15 through December 7.
During these enrollment periods, individuals can apply for new coverage, renew an existing plan, or make changes to their current health insurance.
What if I miss the Open Enrollment deadline?
If you miss Open Enrollment in Michigan, you may still qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event, such as losing coverage, getting married, moving, having a child, or changes in household income.
Plan IV’s licensed advisors can help determine eligibility and guide you through enrollment options available outside the standard Open Enrollment window.
Does Plan IV offer small business health insurance?
Yes. Plan IV provides small business and group health insurance solutions for Michigan employers, including medical, dental, and life insurance coverage.
We help business owners compare plan options, understand tax considerations, and design benefit packages that support employees year-round.
Can Plan IV review my current health insurance plan?
Yes. Plan IV can review your current health insurance plan to explain coverage, benefits, and potential options.
Whether you purchased your policy online, through another agency, or directly from a carrier, our advisors can help you understand your coverage and determine whether changes are available now or during the next enrollment period.
Plan IV – Michigan Health Insurance Advisors (Troy, MI)
We help individuals, families, and small businesses understand their health insurance options and learn which plans are available in their Michigan county. Whether you’re comparing Marketplace (ACA) plans, Medicare options, or private coverage, our team can guide you through your choices.
Visit Our Office
575 E. Big Beaver, Suite 290, Troy, MI
(248) 689-4910
Open Monday–Friday, 9am to 5pm
Closed Saturday & Sunday
What We Help With:
Marketplace (ACA) plan comparisons
Checking doctor + hospital networks
County-specific plan availability
Medicare guidance
Private insurance options
Enrollment deadline support
Stop in or call to get help with your Michigan health coverage.
Plan IV serves clients throughout Troy and surrounding Michigan communities with year-round health insurance guidance.