INDIVIDUAL & FAMILY HEALTH
INSURANCE IN TROY, MI
Your health is one of your most important assets — and choosing the right insurance shouldn’t feel overwhelming. At Plan IV, we help individuals and families compare health insurance options, understand how coverage really works, and choose plans that fit their needs, lifestyle, and budget.
Why Plan IV for Your Health Coverage?
We’re more than a place to apply for insurance — we’re a partner in helping you make confident decisions about your health coverage today and long term.
Independent broker access: We compare plans from multiple carriers so you get unbiased options — not a single-company recommendation.
Personalized plan matching: Coverage is matched to your health needs, doctors, and budget — not a one-size-fits-all approach.
Local Michigan expertise: Our team understands Michigan-specific plans, networks, and subsidy rules.
Nationwide coverage options: Access plans that work wherever you live, work, or travel.
What Your Health Plan Can Cover
Most individual and family health insurance plans include essential coverage such as:
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 provider networks so you know exactly what you’re getting — with no surprises later.
Plan Types We Offer
Marketplace Plans (with or without subsidies): May qualify for reduced premiums based on household income.
Off-Exchange Plans: Expanded carrier options without enrolling through Healthcare.gov.
HMO & PPO Options: Choose between lower-cost networks or flexible out-of-network access.
High-Deductible Health Plans (HDHPs): Lower monthly premiums with the option to pair with a Health Savings Account (HSA).
When and How to Enroll
Open Enrollment:
Runs annually from November through January.
Special Enrollment Period:
Available if you experience a qualifying life event such as a job change, marriage, birth of a child, or relocation.
We’ll guide you through eligibility requirements and deadlines so nothing is missed.
Frequently Asked Questions: Individual Health Insurance Plans
How can I lower my monthly premium?
We’ll review subsidy eligibility, compare plan networks, and evaluate high-deductible options that can reduce monthly costs while still meeting your care needs.
Can I keep my doctors with a new plan?
Often, yes. We’ll check provider networks before you enroll so you know whether your current doctors and hospitals are included.
What’s the difference between on- and off-exchange plans?
On-exchange plans are purchased through Healthcare.gov and may qualify for subsidies. Off-exchange plans are purchased directly from carriers and can offer additional options depending on your situation.
Ready to find your perfect health plan?
Whether you’re exploring new coverage, switching plans, or checking eligibility for savings, Plan IV is here to help.
Get started with a no-obligation consultation — compare your options and move forward with confidence knowing your health coverage is handled.
Smarter Insurance Starts with Plan IV in Troy, MI
Address:
575 E. Big Beaver, Suite 290, Troy, MI 48083
Phone:
248-689-4910
Email:
info@planiv.com