Michigan Health Insurance Exchange

Michigan Health Insurance Exchange - a Partnership Exchange with the Federal Government

Michigan's health insurance exchange is a state and federal partnership exchange with the federal government.

Important Facts:

  • Beginning in 2014, under the Affordable Care Act (ACA), Michigan residents and small businesses can select their health insurance coverage from various options available through the government's Health insurance Marketplace. Michigan’s health insurance exchange website will be run by federal government instead of the state of Michigan's government; but Michigan government will oversee the qualified health insurance plans.
  • Starting October 1, 2013, Michigan residents can shop for health insurance and compare health insurance plans through the federal government's Marketplace. Coverage will be effective starting on  January 1, 2014.

Partnership Exchange Contact Information:

Official LinkMichigan Health Exchange Official website:
Partnership Exchange with the Federal Government: HealthCare.gov
Hearing impaired  TTY/TDD l 1-855-889-4325

State of Michigan Health Care Website


Other Links:

Many insurance companies to take part in Michigan Insurance Exchange

The Henry J. Kaiser Family Foundation

Michigan Health Insurance Exchange Updates:

Detroit Retirees and the Affordable Care Act

Detroit will see substantial changes to how the city provides health care benefits for its retired city workers.
It is proposed that retirees obtain health benefits through either Medicare (when they hit age 65) or by purchasing a health care plan on their own via the online “exchanges” that are part of the federal Affordable Care Act. Michigan does not have its own state exchange, but instead has a Health Insurance Exchange Partner with the federal government.

Current retirees will receive modified medical benefit plans through either the exchange which start coverage on January 1, 2014 under the Affordable Care Act or under Medicare.
The health care "replacement program" is estimated to be able to save the city of Detroit between $27.5 million and $40 million a year. Retirees may receive slightly fewer benefits under the proposal than they do right now.

The plan's purpose is to help with the severe underfunding of Detroit’s existing health system which involves more than 20 benefit plans available to cover about 18,500 retirees plus their dependents.

The city’s unfunded liabilities for retirees' health care was almost $5.7 billion as of 2011. Almost 100% of the liabilities are unfunded.
The online health insurance exchanges are scheduled to start operating on  October 1, 2013, in anticipation for the January 1, 2014 full operation of the Affordable Care Act.