From Detroit contractors to Grand Rapids manufacturers and Ann Arbor research firms, Michigan small businesses keep this state working. We help you get your team real group health coverage, with quotes compared across the plans available to you and no broker fees, ever.
A licensed broker will contact you within 1 business hour with your personalized group health options.
Need it faster? Call us directly:
(863) 270-9820
We price the same three funding models big benefits teams evaluate, built for teams of 1 to 50.
Three steps, about a week end to end, and nothing owed to us at any point.
Employee ages and ZIP codes. That's genuinely it, no health questionnaires needed to get started, and nothing that commits you to anything.
We compare the plans available to your group across the carriers competing for Michigan small business, plus level-funded and ICHRA structures where they fit, and put them side by side.
Enrollment, employee questions, paperwork, and then renewals every year after. You get a broker who answers the phone, not a ticket number.
Insurance is regulated state by state, so the honest answer to "what will this cost" always starts local.
Michigan uses the federal exchange, Healthcare.gov, for Marketplace enrollment. Group and off-exchange plans are not listed there, which is why the exchange only ever shows part of your options.
Michigan expanded Medicaid through the Healthy Michigan Plan, covering adults up to about 138% of the federal poverty level.
Michigan's small-group market is stable, with several carriers competing across the Lower Peninsula and thinner options in the Upper Peninsula. Regional carriers frequently beat the nationals for the right census.
Michigan's no-fault auto system lets drivers coordinate medical benefits between auto and health coverage, so the choice your employees made on their auto policies affects how injury claims get paid. It's a genuinely Michigan-specific wrinkle worth raising with your team.
Carriers file rates by rating area, so the same plan prices differently across Detroit, Grand Rapids, Ann Arbor, and Lansing. If your team is spread out, that spread shows up inside your own quote, and it is worth getting the census right.
Shopping for yourself rather than a team? Our Michigan individual and self-employed guide covers marketplace, off-exchange, and underwritten options.
Most brokers quote one of these. We price all three against your actual roster and tell you which wins.
Fully-insured coverage with a fixed monthly premium and guaranteed-issue protection for groups of 1 to 50. The most predictable option, and still the strongest recruiting statement in most hiring markets.
Priced to your own group's health rather than the community pool, with stop-loss insurance capping your exposure. A healthy year can return money to the business. Rewards younger, healthier teams.
You set a tax-free monthly allowance, employees buy their own individual plans with it. No minimum participation requirement, fixed budget, and it works for teams spread across multiple states.
A few of the industries that come to us most often here, and what tends to drive the decision in each.
Detroit-area electrical, plumbing, and mechanical firms compete hard for licensed tradespeople, and health coverage is often the deciding factor.
How we approach it: We price fully insured against level funded on the real census, and say plainly which the roster supports.
Michigan's supplier base needs plans that work for hourly production teams while surviving the renewal cycle.
How we approach it: We quote every structure that could fit and spell out the trade-off in each rather than leading with one product.
Ann Arbor's research spinoffs and software firms hire technical staff who evaluate benefits closely.
How we approach it: We start by sorting who is actually eligible, then price only the structures that survive that answer.
Grand Rapids and Lansing firms in accounting, engineering, and design use benefits to hold onto senior people.
How we approach it: We model the options side by side and tell you which one we would choose if it were our own payroll.
The questions Michigan owners actually ask us first.
Send a census, ages and ZIP codes, and we'll come back with the options that actually fit. No fee, no obligation, and a straight answer about which structure wins.
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