INDIVIDUAL & FAMILY HEALTH
INSURANCE IN TROY, MI
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 to 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 coverage for:
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 there are no surprises in your coverage or costs.
Plan Types We Offer
- Marketplace Plans (with or without subsidies): May qualify for reduced premiums based on income.
- Off-Exchange Plans: Broader carrier options without going through Healthcare.gov.
- HMO & PPO Options: Choose between 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
Open Enrollment: Runs each year from November through January.
Special Enrollment Period: Available if you experience a qualifying life event such as a job change, marriage, new baby, or move.
We’ll guide you through eligibility and ensure you meet every deadline.
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?
Yes! 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 often include more carriers or benefits. We’ll help you choose what fits best.
Ready to find your perfect health plan?
Whether you want to explore new coverage, switch plans, or see if you qualify for savings, Plan IV is here to help.
Get started with a no-obligation consultation — compare your options and find peace of mind knowing your health is protected.
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