Plan IV

INDIVIDUAL & FAMILY INSURANCE
PLANS IN MICHIGAN

Protect Your Health, Your Family, and Your Future

Finding the right insurance coverage for yourself or your loved ones doesn’t have to be stressful. At Plan IV, we make it simple to compare your options, understand your benefits, and choose coverage that fits your needs and budget. From health and dental to life and retirement planning, our experts guide you every step of the way.

health-insurance

HEALTH INSURANCE


Explore affordable individual and family health plans that give you access to top providers across Michigan and nationwide.

VISION & DENTAL


Keep smiles bright and eyesight sharp with plans that combine affordability and comprehensive coverage.

SHORT TERM HEALTH


Coverage for life’s in-between moments—perfect for transitions, job changes, or waiting periods.

SUPPLEMENTAL INSURANCE


Add extra protection for out-of-pocket costs like copays, deductibles, and unexpected medical bills.
disability insurance

DISABILITY INSURANCE


Safeguard your income with coverage that helps replace earnings if you’re unable to work due to illness or injury.
travel

TRAVEL INSURANCE


Protect your trip investment with coverage for cancellations, delays, and unexpected emergencies abroad.
insurance

LONG TERM INSURANCE


Plan with coverage that helps pay for extended care needs, from assisted living to in-home support.

LIFE INSURANCE


Provide financial security for your loved ones with affordable term or whole life coverage options.

ANNUITIES


Create a reliable stream of income in retirement with personalized annuity solutions.

IDENTITY THEFT PROTECTION


Guard your personal information & finances with plans that monitor, detect, & help resolve fraud.
medicare plans

MEDICARE PLANS


Compare Medicare Advantage, Supplement, and Part D options to find the right fit for your healthcare needs.

RETIREMENT PLANS


Build a strong financial future with customized retirement savings and investment strategies.
family health insurance

Why Choose Plan IV?

  • Independent broker access to multiple top-rated carriers
  • Personalized plan matching based on your needs and budget
  • Local Michigan expertise with nationwide coverage options
  • 30+ years of experience helping families protect what matters most
  • Rated 4.9/5 by Michigan families for service and value
Get a quote

Get Started — and See Why Families Choose Plan IV

Get In Touch

5 star rating! Tom Miszcak is so knowledgeable in all areas of insurance and investment! He keeps my family and our future retirement on track.
- Joe
We have worked with Plan IV for over a decade. They continually provide great customer service and excellent advise on our benefit options. We have consistently felt like they have our best interests at heart, which is why we have remained loyal customers. Thank you Mike & team!
- Julie Johnson
I have worked with Tom & Leah at Plan IV for over a year now and they were such a huge help when it was time for my husband and I to pick out new health insurance. They always made the entire process very easy and this is especially important because I found the whole new marketplace very frustrating. They are especially knowledgeable about the different health care providers and plan options.
- Sayble Swiacki
They presented the best plans and helped us make the right choices for our family.
- Marietta Franzone

Frequently Asked Questions About Individual & Family Plans

What’s the difference between individual and family health insurance?


Individual plans cover one person, while family plans include coverage for you, your spouse, and dependents under a single policy. Our advisors can help you compare costs and benefits to see which option fits your needs.

Yes. Many clients mix core health coverage with supplemental or disability insurance for extra financial protection. As an independent broker, we help you bundle plans from multiple carriers to maximize value.

We shop across trusted carriers to match you with the best coverage for your budget—often finding options you won’t see in online quote tools.

Absolutely. Short-term health insurance can bridge gaps between jobs, open enrollment periods, or other coverage changes. We’ll match you with a plan that fits your temporary needs.

We provide personalized guidance, access to multiple carriers, and local Michigan expertise—plus, our service doesn’t cost you extra compared to buying direct.

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