Plan IV

INDIVIDUAL & FAMILY INSURANCE
PLANS IN MICHIGAN

Finding the right insurance for yourself or your family doesn’t have to be overwhelming. At Plan IV, we help Michigan individuals and families compare coverage options, understand benefits, and choose plans that fit their needs, lifestyle, and budget.

From health and dental coverage to life and retirement planning, our advisors guide you through your options—clearly, confidently, and without pressure.

Protect Your Health, Your Family, and Your Future

health-insurance

HEALTH INSURANCE


Compare individual and family health insurance options that provide access to trusted provider networks across Michigan and nationwide.

VISION & DENTAL


Maintain healthy smiles and clear vision with dental and vision plans designed to balance affordability with comprehensive coverage.

SHORT TERM HEALTH


Temporary coverage options for life transitions such as job changes, waiting periods, or gaps between long-term plans.

SUPPLEMENTAL INSURANCE


Extra protection to help cover out-of-pocket expenses like deductibles, copays, and unexpected medical costs.
disability insurance

DISABILITY INSURANCE


Income protection that helps replace earnings if illness or injury prevents you from working.
travel

TRAVEL INSURANCE


Coverage for trip cancellations, delays, medical emergencies, and unexpected events while traveling.
insurance

LONG TERM INSURANCE


Planning-focused coverage designed to help manage extended care needs, from assisted living to in-home support.

LIFE INSURANCE


Financial protection for your loved ones through term and permanent life insurance options tailored to your goals.

ANNUITIES


Retirement income solutions that help create long-term financial stability and predictable income streams.

IDENTITY THEFT PROTECTION


Coverage designed to monitor, detect, and assist in resolving identity theft and financial fraud.
medicare plans

MEDICARE PLANS


Guidance comparing Medicare Advantage, Supplement, and Part D plans to help you choose coverage that fits your healthcare needs.

RETIREMENT PLANS


Customized retirement planning strategies focused on long-term financial confidence and growth.
family health insurance

Why Choose Plan IV?

  • Independent broker access to multiple top-rated carriers
  • Personalized plan guidance based on your needs and budget
  • Michigan-based expertise with nationwide coverage options
  • 30+ years of experience helping families plan with confidence
  • 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 provide coverage for you, your spouse, and eligible dependents under a single policy. A Plan IV advisor can help you compare costs, coverage levels, and provider access to determine which option fits your household’s needs.

Yes. Many individuals and families combine core health insurance with supplemental or disability coverage to reduce out-of-pocket risk. As an independent Michigan broker, Plan IV helps coordinate coverage across multiple carriers to create a more complete and cost-effective protection strategy.

Finding affordable insurance in Michigan starts with comparing plans across multiple carriers—not just what appears in online quote tools. Plan IV evaluates available options based on your budget, healthcare needs, eligibility, and available subsidies to help identify coverage that offers real value, not just the lowest premium.

Yes. Short-term health insurance can help bridge coverage gaps caused by job changes, waiting periods, or other life transitions. Plan IV advisors help determine whether short-term coverage is appropriate and match you with a plan that fits your temporary needs.

Working with Plan IV gives you access to licensed advisors, multiple insurance carriers, and personalized guidance—without added cost compared to buying directly online. As an independent Michigan-based agency, we help you understand your options, avoid costly mistakes, and choose coverage with confidence instead of relying on automated tools alone.

error: Content is protected !!