How COBRA Works In Michigan
In the state of Michigan, COBRA is a federal law that allows individuals to continue their health insurance coverage after leaving or losing their job. Individuals must pay the full premium for this continued coverage in order to remain eligible.
Continuing Health Insurance Coverage In Michigan
No Pre-Existing Conditions
Term Medical Gap Coverage
Available in some states, as low as $44/month
$400 – 700/month per individual
Nearing Retirement Age
Learn about Medicare Advantage
Michigan Coverage ContinuationResidents of Michigan have access to COBRA insurance, which is a federal law that allows individuals and their families to continue receiving health coverage after leaving or losing employment. This type of insurance can be used for up to 18 months in most cases, although some people may qualify for longer periods depending on the circumstances. The average cost of COBRA insurance in Michigan varies based on factors such as age and location but typically ranges from $400-$600 per month.
Michigan’s Non-Profit Health Care Corporation Reform ActUnfortunately, Michigan does not have a Mini-COBRA Law that applies to companies with 19 or fewer employees. Though, the Non-Profit Health Care Corporation Reform Act does allow workers the option of converting their group health plan, to an individual self-pay marketplace plan. Source: Michigan statute 550.1410a
Michigan’s Health Insurance Options For Pre-Existing Conditions
COBRA insurance in Michigan is a great option for those who need temporary coverage. It provides up to 18 months of continuous health care coverage, allowing you to maintain your current plan and keep the same doctors while transitioning between jobs or other life changes.
Apply For COBRA In Michigan
Employer Has 20+ Employees
You may continue your most recent work health insurance for up to 18 months as an employee. Family members may access the plan for up to 36 months.
You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.
Marketplace / Obamacare
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average plan premium in Michigan is $435 in 2023.
Use Accident-Only Coverage In Michigan
The state of Michigan allows you to enroll in an accident-only major medical insurance plan while you transition to new employment.
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth – Access to prescribing doctors for common issues
Includes Telehealth giving you access to prescribing doctors for common issues.
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.
After your workplace insurance ends, you’ll sign up for Medicare within 8 months.
In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.
Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.
COBRA Is Available In All 50 States
Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.