INDIVIDUAL & FAMILY HEALTH
INSURANCE IN MICHIGAN
Your health is your most valuable asset—and protecting it shouldn’t be complicated. At Plan IV, we make it easy to compare top health insurance plans, understand your benefits, and choose coverage that fits your life and budget.
Why Plan IV for Your Health Coverage?
We’re more than just a link to an insurance application. We’re your partner in finding the right plan for today and tomorrow.
- Independent broker access – We shop multiple carriers so you get unbiased comparisons.
- Personalized plan matching – We tailor recommendations based on your needs, not a one-size-fits-all template.
- Local Michigan expertise – Our team understands state-specific options and subsidy rules.
- Nationwide coverage choices – Get access to providers wherever you live, work, or travel.
What Your Health Plan Can Cover
Most individual and family health insurance plans can include:
Doctor visits and preventive care
Prescription medications
Hospitalization and emergency services
Mental health and substance use treatment
Maternity and newborn care
Lab work and imaging
Pediatric services for children
We’ll help you compare deductibles, copays, and coverage networks so there are no surprises.
Plan Types We Offer
- Marketplace Plans (with or without subsidies) – Options that may qualify for reduced premiums based on your income.
- Off-Exchange Plans – More plan variety without going through Healthcare.gov.
- HMO & PPO Options – Choose from lower-cost networks or flexible out-of-network coverage.
- High-Deductible Health Plans (HDHPs) – Lower monthly premiums with the option to pair with a Health Savings Account (HSA).
When and How to Enroll in a Health Plan
- Open Enrollment – Runs each year from November to January.
- Special Enrollment Period – Available if you have a qualifying life event like a job change, marriage, new baby, or move. We’ll guide you through eligibility and make sure you meet all deadlines.
Frequently Asked Questions - Individual Health Insurance Plans
How can I lower my monthly premium?
We’ll review your subsidy eligibility, compare network types, and evaluate high-deductible options that still meet your care needs.
Can I keep my doctors with a new plan?
We check provider networks for every option before you enroll, so you can stay with the care team you trust.
What’s the difference between on- and off-exchange plans?
On-exchange plans can qualify for subsidies; off-exchange plans can offer more carriers or benefits. We’ll help you decide.
Find Your Perfect Health Plan Today
Whether you want to explore new coverage, switch plans, or see if you qualify for savings, Plan IV is here to help.