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Short-term health insurance plans in Michigan are limited to 185 days with no renewal. You must have qualified health coverage (QHC) that is not Medicare; AND. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Note: The no-fault auto insurance law is not a health insurance law, therefore, you should discuss PIP coverage or other auto coverage with your auto insurer or agent. The law defines QHC as coverage under Medicare or an accident or health policy with a deductible of $6,000 or less per individual and no coverage limits for injuries caused by car accidents. endobj Plan specifics and benefits vary by coverage area and by plan category. Explore Mercers latest thinking to see how were helping to redefine the world of work, reshape retirement and investment outcomes, and unlock real health and well-being. HAP is here, to help clear up a few things about the new law and what it means to you. xmq~H8,X/L^(`FB>|~C6hfO~_7__}/o_}_~_w~j_}_}W~Jq=sO??OO?1_Os=1xowx|=kC3_7?kE~iYx1/?tlx5_WuM^V3l-?v[i#m_*HYqW~z~c!qwz?|8~/sh~H9~o_W|o_~}n}tawz7_y~?:>WHscs4h4}N[wgW{!y>6A?6!l$!w'?u3a.y%}oN|_=/s/457LugLYFGT3G.9e-\HE+mm>}]p7e ~u/{#d\IyN>4}~lksnMfySJ}nB#?9TJgHGzLkCYYE=bTvCybKgk7?=kswC{=m;,{yj):q&kFv,70:VSG=9K~i)yYZmj5Vc+\X\@a.%uS@ nQ$!N'8|e[GQ&^h5y$=Y7Q/_kBPIEg89\]%[`^FMBcII"A(@!,$5,_2X.H4Sm_.a,ZiISP?)$,bULZPA*t KP{[_:S2iB5Ld!Tq@sNM}8KT0]7`{ELV ~I6ZI_KeE+r"UkYlr;=^EdJzxpdnh>MZAyEfp1d>>/ioJoR?-Kwvn+co,E{bb+H#\W\^`J|wS$:x-{V,}S$T6UCuqMR6dn19[ k[mFwf6\D)%WQIcr6jF[R_X,iHX6 V"0W6m(:FRMyS&8HcD]n}(fbj19e oOuY`AGbbL_[,}M h{D'J}a_#r`}$"NirL1Fm'$u0eb zNLIj9R(g$e}5s;szg-3:-FAa(i]U'r6NDX O }j/&8]ZX5>qesS>SlH K5h,[Bx/dj>uiVmj Therefore, we can bet that our health insurance costs will go up and that employers who provide health insurance will likely be passing these increased costs onto the rest of us. Insurers have differing coverage areas and plan availability, which means rates in one area can change more or less than rates in another area of the same state. 0 This site is intended to provide accurate and timely legislative information to the citizens of the State of Michigan and other interested parties. (MCL 500.2111f(3)), When health insurance is coordinated with the $250,000 coverage level (assuming all of the required persons have the necessary qualified coverage), the premium for [No-Fault PIP medical] benefits payable under section 3107(1)(a) under the policy must be reduced by 100%. (MCL 500.3109a(2)(a)). This will continue to be the default option for all policies in Michigan. The document must: Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.6 They offer coverage for the dental and vision services many medical insurance plans dont include. It has a deductible of $6,000 or less per person. Michigan Department of Insurance and Financial Services' Bulletin 2020-01-INS. Your doctor will submit the form by following the instructions on the back. You may need to show it to your auto insurance agent as proof you have qualified health coverage through HAP. 2 0 obj Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. 3107d. This is not intended to substitute for the advice of an attorney. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes. Accident insurance5andcritical illness insurance5can help by paying cash benefits for covered injuries or illnesses. Heres a summary of individual market enrollment totals in Michigans exchange during open enrollment each year: Seven insurers currently offer dental plans through the Michigan marketplace. PIP covers medical costs for both hurt policyholders and passengers, even if some dont have health insurance. comprehensive guide to special enrollment periods. That declined to ten for 2017 (although some of the decrease was due to PPO entities leaving the exchange, while their HMO sister companies remained in the exchange). This was the highest enrollment had been since 2017. Michigan continues to have one of the most robust health insurance exchanges in the country, with ten carriers offering coverage for 2023. All nine insurers have filed plans to remain in the exchange for 2020. Medicare in Michigan Michigan has long protected access to Medigap plans for Medicare beneficiaries under age 65 For 2023, the states insurers (including two that only offer coverage outside the exchange) have implemented an overall average rate increase of 5.5% (slightly lower than insurers initially proposed), with the following rate changes for each insurer: Alliance Health & Life, and Health Alliance Plan, both of which only offer coverage outside the exchange in Michigan, have average rate increases of 10.3% and 2%, respectively. A trusted independent health insurance guide since 1994. Former Gov. Medicaid - $50,000. Need help finding the right phone number? Administrative Services provided by United HealthCare Services, Inc. or their affiliates. 2 0 obj endobj You're covered by a health plan that doesn't cover car-related injuries. June 11, 2019 Compare health insurance plans in Michigan and check your subsidy savings. For people 65+ or those under 65 who qualify due to a disability or special situation, For people who qualify for both Medicaid and Medicare, Individual & family plans short term, dental & more, Individual & family plans - Marketplace (ACA), Individual & Family ACA Marketplace plans, View Individual & Family ACA plans in Michigan, View Short term health insurance plans in Michigan, Health ProtectorGuard fixed indemnity insurance, View Hospital and doctor insurance plans in Michigan, View Accident and critical illness insurance plans in Michigan, Michigan health insurance options and more, Health care coverage while you search for a long term option, Benefits paid regardless of other insurance, Money to pay costs not covered by major medical plans, like a deductible. When average benchmark premiums decline more sharply than overall average premiums, the result is higher after-subsidy premiums for some enrollees. (1) For an insurance policy that provides the security required under section 3101 (1) and is issued or renewed . That amounted to a weighted average rate increase of 25.5%, but it would have been 17.6% if CSR funding had not been eliminated (a significant portion of this increase was due to overall market uncertainty cause by the Trump administration and GOP legislative efforts to undermine the ACA in 2017). In 2019, the State of Michigan passed legislation that changes the requirement to have unlimited, lifetime personal injury protection (PIP) benefits for no-fault auto insurance plans. 2017: Average rate increas of 16.7%. Register Now. Ultimately, the Court ruled that subsidies would continue to be available in every state, and Michigan did not have to consider a back-up plan to create a state-run exchange. 2021: Average rate increase of 1.1%. They lump all insurers and plans together. Your Auto Insurance PIP Medical Coverage Letter is available online. 2018: Average rate increase of 25.5%. A big reason for this is that many health care plans either do not cover medical services for car accident-related injuries, or drastically limit these medical services. 2019, Act 22, Imd. If you have questions, contact the MichiganDepartment of Insurance and Financial Services (DIFS). They may also qualify for a zero-dollar premium bronze plan (after tax credits). She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. . This coverage is only available if . This is for Blue Cross Blue Shield of Michigan members who want details about Michigans new no-fault auto insurance law that goes into effect on July 1, 2020. What is a qualified health plan? Some benefits have waiting periods. So even if your insurer doesnt change its rates at all for the coming year, your price will still go up just because youre a year older (if you receive subsidies, the subsidies will grow to keep pace with the age-related premium increases; subsidies for older enrollees are larger than subsidies for younger enrollees). Michigan did accept federal funding to expand Medicaid under the ACA. Two new insurers joined the exchange for 2022: US Health and Life, and UnitedHealthcare. We provide health insurance in Michigan. $158 per month) Eligibility: All MSU students, Law students, Visiting scholars, and more, including spouse and children of a student enrolled in the plan. Qualified Health Coverage QHC cannot exclude or limit coverage for injuries related to motor vehicle accidents, and must have an annual deductible of $6,000 or less per individual (this $6,000 amount may be annually adjusted). From late 2013 until the spring of 2022, total enrollment in Medicaid and CHIP in Michigan grew by 52% with enrollment up by nearly a million people. UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare Community Plan, Inc. As part of theAmerican Rescue Plan Act of 2021and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower or in some cases $01,2,3 monthly premiums for ACA Marketplace health coverage. Individual & Family ACA Marketplace plans Medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization, Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc.; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in LA, TN and AL; Optimum Choice, Inc. in VA and MD; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of Texas, Inc.; and UnitedHealthcare of Oregon, Inc. in WA. 83 0 obj <>/Filter/FlateDecode/ID[<098023445965EC4C9B51CDDD359A14D4><17EF24148C2295489EF4FB9E7BA16CE8>]/Index[60 41]/Info 59 0 R/Length 109/Prev 85913/Root 61 0 R/Size 101/Type/XRef/W[1 3 1]>>stream The guidance also indicates that a group health plan with an individual deductible offset in any manner (e.g., by funds contributed to health reimbursement arrangements) so as not to exceed $6,000 could qualify as QHC, provided the plan doesnt exclude or limit medical coverage for auto accident injuries. implied. Information will be needed from both you and your doctor. Go to My Forms & Documents and then click My Letters to generate your letter. This could leave the employer-sponsored health plan as the sole source of medical coverage for injuries related to an auto accident in some situations. Your health insurer should provide you with a document that tells you if your policy is con <>/Metadata 111 0 R/ViewerPreferences 112 0 R>> Employers that coordinate their health plans benefits with auto insurance medical coverage even plans that pay secondary may face greater exposure to Michigan claims than in the past. Under Michigan's new auto insurance law, drivers will be able to choose a coverage level appropriate for their needs and budget. ., For our advice on how to best protect yourself and your family under Michigans new No-Fault law, please check out our blog post, How Much Car Insurance Do I Need in Michigan?, and order a copy of your FREE e-book, How much car insurance do I need?. In 2017, Humanas coverage area included most of southeast Michigan, as well as Kalamazoo County and Kent County. How much could you save on 2023 coverage? From Detroit to Lansing, Grand Rapids to Ann Arbor, explore theseMichigan health insurance options and more that may be available now. 2015: Average rate decrease of 1%. A new Michigan auto insurance law changes the way Personal Injury Protection (PIP) coverage works, providing more options when selecting coverage. (MCL 500.3107c(1)(a)) That means that if a drivers spouse or family does not have Medicaid or No-Fault or insurance, through a private plan or through Medicare, that meets requirements of qualified health coverage under the new Michigan No-Fault insurance law, then the driver cannot select the $50,000 level. UnitedHealthcare exited the individual market in Michigan at the end of 2016, as was the case in most of the states where they offered plans in the exchange in 2016. State and Federal Privacy laws prohibit unauthorized access to Member's private information. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. Qualified health coverage means either coverage under both Medicare Parts A and B, or . After Consumers Mutual folded and Time exited the market the Michigan exchange had 14 carriers offering coverage in 2016. Across all 11 insurers, the average rate increase for 2019 was about 1.7%. See links to resources for the Michigan health insurance marketplace. Thats useful for people who dont get premium subsidies, but for people who do get premium subsidies, the subsidies grew significantly for 2018 to offset the higher silver plan premiums. Your health plan is not considered qualified health coverage and you cannot opt out of PIP as part of your auto insurance policy. The benefits described may not be offered in all plans or in all states. qualified health coverage. endobj <> Health Alliance also dropped their PPOs, continued to offer more than 45 Personal Alliance HMO plans, both on and off-exchange (the PPOs were offered via Alliance Health and Life Insurance Company, which is a subsidiary of Health Alliance; Alliance Health and Life Insurance Company plans are no longer offered on the Michigan exchange). In Insurance Bulletin 2020-01-INS, entitled Qualified Health Coverage Notices and issued on January 14, 2020, Michigans Insurance Commissioner stated that, because individuals who have (QHC) are allowed to make certain choices regarding their no-fault coverage, [h]ealth insurers and health plans should develop a document that indicates whether a persons coverage is qualified for purposes of no-fault insurance . Health Alliance Plan (HAP) announced in September 2017 that they would not offer plans in the Michigan exchange for 2018, although their off-exchange plans continued to be available. 2020: Average rate decrease of 2.5%. Consumers Mutual enrolled just 29 percent of their projected membership in 2014, and had net losses of $16 million during the first year of operations. The following insurers offer plans in the Michigan exchange for 2023, with plan availability varying from one location to another: Time/Assurant and Consumer Mutual Insurance of Michigan both left the Michigan exchange at the end of 2015. Michigan Health Insurance Consumer Assistance Program (HICAP), Ascension Personalized Care/US Health and Life Insurance Company. Log in to your HAP.org account. Provide your contact information to get in touch, https://www.mercer.com/content/dam/mercer/attachments/global/law-and-policy/gl-2020-michigan-clarifies-qualified-health-coverage-for-auto-insurance-law.pdf, Diversity, Equity and Inclusion in investments, Michigans new auto insurance law Choosing PIP medical coverage, Michigans automobile insurance reforms may cost group health plans. <> In most of Michigan, at least four insurers are offering plans in the exchange for 2023, although there are just two participating insurers in upper Michigan. You can call the number on the back of your member ID card. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. The law defines QHC as coverage under Medicare or an accident or health policy with a deductible of $6,000 or less per individual and no coverage limits for injuries caused by car accidents. Individuals attempting unauthorized access will be prosecuted. It is important to know that actuarial value applies to a given policy's value for an overall population. %%EOF Health insurers and self-insured group health plan sponsors should be prepared to provide documentation to Michigan drivers (and any family members) indicating whether the health plan is QHC and, if so, confirming their coverage under the health plan. These are the relevant coverage levels and requirements: Additionally, QHC plays a role in a new arrangement for the coordination of health and No-Fault coverage: Qualified health coverage is important because without it drivers will not be able to take advantage of the insurance options under the new Michigan No-Fault insurance law that politicians have promised will save them money. Their rate filing from earlier in the summer (when they were still planning to participate in the exchange) said that it would impact 17,000 members, but those with off-exchange coverage were able to keep their plans for 2018 if they wished to do so (HAP had 650,000 members in total in 2017, virtually all of whom had Medicare, Medicaid, or employer-sponsored coverage and were therefore not affected at all by the insurers decision to exit the exchange). Ultimately, the Trump administration cut off funding for CSR in October 2017, and insurers implemented the rates based on that scenario, with the cost of CSR added to silver plan premiums. Primary insured must be 18 years of age or older. You can log in to your online member account to see if you have a QHC letter to download. Learn about adult and pediatric dental insurance options in Michigan, including stand-alone dental and coverage through Michigan's marketplace. Registration is easy! Qualified health coverage is health or accident insurance that doesnt exclude or limit coverage for injuries from auto accidents. % They only apply to full-price premiums, and most exchange enrollees receive premium subsidies. hb``e``h^ I also found very useful information about the new auto law. In August 2015, the Michigan Department of Insurance and Financial Services (DIFS) announced that the weighted average rate increase in the individual market for 2016 would be 6.5%, although the average rates increase dropped lower than that once Consumers Mutual exited the market. Website: www.michigan.gov/autoinsurance Phone: 1-833-ASK-DIFS (275-3437) Email: autoinsurance@michigan.gov Was this content helpful? We offer low cost or no cost health insurance plans for those with limited incomes. stream Outside of open enrollment, a qualifying event is necessary to enroll or make changes to your coverage. Laws 500.3107d) allows a car owner to opt out of purchasing personal injury protection (PIP) medical coverage if he or she and all family members residing in the same home have QHC. endstream endobj startxref Not Registered? The enrollment growth was largely driven by Medicaid expansion and the COVID pandemic (including the Families First Coronavirus Response Act, which has paused Medicaid eligibility redeterminations throughout the COVID public health emergency). For 2023, state regulators approved premiums that amount to an overall average rate increase of 5.5% for Michigans individual market insurers. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. Are you looking for the form that coordinates your auto and medical insurance after an accident? Rick Snyder, a Republican, supported a state-run exchange for Michigan. - Mira. He is the current President of the AAJ Distracted Driving Litigation Group, Past-President of the Belli Society, a Past-President of the AAJ Truck Litigation Group and TBI Group, as well as Past-President of the Motor Vehicle Trial Lawyers Association. To get your financial incentive, you'll need to fill it out with your doctor. <> You can opt out of, or cut your level of medical benefits, under the auto plan. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. 01:30 Option four: up to two hundred fifty thousand dollars in coverage, with some or all persons excluded from PIP medical. MSU Student Health Insurance Plan. Michigan residents who use the spend-down program must resubmit medical expenses every month to requalify for Medicaid benefits. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. The Director has been made aware that some health insurers and health plans issue letters regarding the coordination of . 4 0 obj Some coverage options include benefits beyond the essentials, such as dental coverage. Unlimited coverage Up to $500,000 in coverage Up to $250,000 in coverage stream Health (3 days ago) WebWhile all QHPs must cover essential health benefits, a lower metal level policy (e.g., bronze) pays less of average covered health care costs than a higher metal level policy (e.g., gold). 4 0 obj They announced on November 2 the day after the start of open enrollment for 2016 plans that they would not sell policies on Michigans exchange in 2016, and that their existing on-exchange members would need to switch to a different carrier for 2016. The new Michigan No-Fault insurance law defines qualified health coverage in two ways: Check out our video to learn more about what qualified health coverage is under Michigans No-Fault auto insurance law: Yes. Learn about dental coverage options in Michigan. Consumers Mutual was an ACA-created CO-OP that insured 28,000 members in 2015. YLB i5xueW|. The two off-exchange-only insurers (Alliance Health and Life, and Health Alliance Plan) are continuing to offer off-exchange plans for 2022. However, the restated guidance clarifies that a group health plan with any annual deductible that doesnt exceed $6,000 per individual and doesnt exclude or limit medical coverage for injuries related to auto accidents will meet the QHC standard. If you have any questions, please contact us. Michigan State University 1407 S. Harrison, Suite 110 East Lansing, MI48823 517-353-4434 Fax: 517-432-3862 hr.msu.edu These plans meet the requirements to be considered qualified health coverage under the Michigan no-fault law because (1) the plans do not exclude or limit Under these limits, this amount is the most a driver's auto insurance company will pay per person per accident for an injured person's expenses under PIP medical coverage. For 2023, subsidies continue to be larger than they were prior to 2021, thanks to the American Rescue Plans subsidy enhancements, which were extended through 2o25 by the Inflation Reduction Act. Claims are processed according to your benefits and the laws in effect in the state where you reside. Premium subsidies vary by address and subject to eligibility. The catch, however, is that many of these medical services that are not covered or that are drastically limited with health insurance are still considered vital to a car accident injury victims care and recovery. %PDF-1.6 % A Michigan Department of Financial and Insurance Services (DIFS) regulatory bulletin (Bulletin 2020-33-INS) restates the definition of qualified health coverage (QHC) under the states auto insurance reform law that took effect July 1. Looking for insurance PPO members HMO / Blue Care Network members Limited coverage of $500,000 or $250,000: These limits represent the most that your auto policy will pay per person, per accident, for the medical expenses of an . June 11, 2019 Compiler's Notes: MCL 500.3107d was added by 2019 PA 21 and 2019 PA 22. Provide information above to get an estimate. The new law would for the first time since the No-Fault law was enacted in 1973 allow drivers to choose different levels of No-Fault PIP medical coverage (to pay for medical care and medical treatment after a car accident). Drivers could attempt to save money by opting for lower PIP coverage levels. New PIP Insurance Options in Michigan. How Much Car Insurance Do I Need in Michigan? 01:43 That means your health care policy does not exclude auto injuries and your deductible is not greater than six thousand dollars. How are Michigan exchange premiums changing for 2023? ;-- And even if it passes, the transition to a state-run exchange would be a multi-year process. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. Cost sharing (deductibles and coinsurance) may be higher. This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. 3 0 obj Across the 11 insurers, there was an overall average premium decrease of 2.5% for 2020. Site Map|Feedback|Download Adobe Acrobat Reader, Learn more about a Healthier Michigan.org, Important Information About Medicare Plans, Your subscriber ID card, formerly known as enrollee ID. That bill had not advanced as of July 2022. The changes could affect employers health plan costs for Michigan residents. The number of exchange insurers had dropped to eight by 2018, but grew to nine in 2019 when Oscar joined the exchange in Michigan. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. 2019 PA 22, being substantively the same as 2019 PA 21 and enacted after 2019 PA 21, becomes the only version on its effective date.Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance, The Michigan Legislature Website is a free service of the Legislative Service Bureau in cooperation with the Michigan Legislative Council, the Michigan House of Representatives, the Michigan Senate, and the Library of Michigan. Over 900k enrolled in Healthy Michigan Plan; Work requirement was overturned by a judge in March 2020. We provide health insurance in Michigan. 1 0 obj Past results are no guarantee of future results. Call 1-844-253-4054/ TTY 711 to talk to a representative. Heres a look at how premiums (before subsidies are applied) in Michigans individual market have changed over the years. However, we want to make you aware of the whole range ofindividual and family insurance products we have available in your state. Michigan is responsible for plan management, but left all other functions to the federal government. Enrollments completed by December 15 will have coverage effective January 1, while enrollments completed between December 16 and January 15 will have coverage effective February 1. If so, the employee and any covered family members may be in a position to opt out of or substantially reduce PIP medical coverage offered by the auto insurer. Qualified Health Coverage Documents DIFS Bulletin 2020-01-INS advises health plans should develop a document that indicates whether a person's coverage is "qualified health coverage" or QHC for purposes of the new no-fault law. Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. According to Crains Detroit Business, only a little more than a fifth of Consumers Mutuals members purchased their plans in the exchange in 2015, and at that point, there was a possibility that the remaining 80 percent of theenrollees might be able to keep their plans, with the CO-OP continuingto offer plans outside the exchange. Health ProtectorGuard fixed indemnity insurance,5underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure. The claim behind the new auto law was that it would save drivers money on their auto insurance. Physician Qualification Form (PDF) Healthy Blue Achieve Form The most important car insurance advice for young drivers in Michigan includes: (1) a DETROIT615 Griswold St, Suite 402Detroit, MI 48226, GRAND RAPIDS212 Cesar E Chavez Ave SWSuite 105Grand Rapids, MI 49503, FARMINGTON HILLS 30101 Northwestern Hwy Farmington Hills, MI 48334, ANN ARBOR 122 S. Main Street, Suite 220 Ann Arbor, MI 48104, STERLING HEIGHTS | WARREN 44444 Mound Road, Suite 100 Sterling Heights, MI 48314. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 11 0 R 29 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> To be eligible to completely opt out of PIP coverage, the Michigan Department of Insurance and Financial Services states that the "qualified health coverage" other people in a household would need to have is defined as: Both Medicare Part A and Part B, or Eff. They continued to offer one bronze plan off-exchange in 2017. Additional historical documents can be found at, Michigan Compiled Laws Complete Through PA 3 of 2023, House: Adjourned until Tuesday, March 7, 2023 1:30:00 PM, Senate: Adjourned until Tuesday, March 7, 2023 10:00:00 AM, http://www.michigan.gov/libraryofmichigan. 1996-document.write(new Date().getFullYear()); Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. This option may be appealing for folks on limited income. Across the full individual market, average premiums increased by just 1.1% for 2021 (slightly less than the average increase of 1.3 percent that the insurers had proposed). Michigan has long protected access to Medigap plans for Medicare beneficiaries under age 65. Individuals attempting unauthorized access will be prosecuted. Insurer participation tends to be most robust in the southeastern part of the state, and less robust in Upper Michigan.