Advice, not a sales pitch
We don't work for one carrier, so we're never pushing "the plan of the month." We compare the whole market and tell you the honest trade-offs, even when the answer is "keep what you have."
Our Michigan health insurance agents help you compare plans, check your subsidy, and enroll without the guesswork, whether you need individual coverage, Medicare, or a plan for your team. We are a licensed, independent agency serving residents and employers across all 83 Michigan counties, and our help is free to use.
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Medicare · ACA · Marketplace
Free consultation
Extra cost: same premium as buying direct
Minimum carrier rating (A.M. Best)
Michigan: the only market we serve
Days of support, not just enrollment season
Independent means options. We work only with A-rated carriers (A.M. Best A− or better):
As independent health insurance agents in Michigan, we have no allegiance to a single carrier. That means we place you with the plan that fits your health and budget, not the one that pays the most. We compare options across the major Michigan carriers, including Blue Cross Blue Shield of Michigan, Priority Health, and more, so you see real choices side by side. Rates are regulated by the Michigan Department of Insurance, so the price is the same whether you buy through us or on your own. The difference is you get a licensed expert in your corner and year round service.
We don't work for one carrier, so we're never pushing "the plan of the month." We compare the whole market and tell you the honest trade-offs, even when the answer is "keep what you have."
We're independent, with no allegiance to any one insurance company. If there's a good health insurance product available in Michigan, we have it, compared side by side.
Carriers pay us the same commission whichever plan you pick, and your premium is identical whether you enroll through us or directly. You get an advocate at no extra cost.
A claim gets denied? A bill looks wrong? Renewal jumped? Don't wait on hold with a carrier, call us instead. Our team is here year-round, not just during open enrollment.
Most families come to us for healthcare insurance in Michigan through the federal marketplace at HealthCare.gov, where income based subsidies can lower the monthly premium. We also handle coverage well beyond that:
and family plans through the marketplace, on or off exchange.
Explore health plansincluding Medicare Supplement (Medigap) Plan G, Plan N, and Plan F through Mutual of Omaha.
Compare Medigap plansallowed in Michigan for up to 185 days, for gaps between plans.
Explore short termcoverage as a standalone benefit or an add on.
Explore dental and visionhigh deductible plans for people who want to save tax free for care.
Explore HSA planshealth insurance for Michigan employers.
Request a proposalNot sure which of these you need? That's normal, and exactly what a free consultation is for.
Buying health insurance on your own can leave you guessing on plan networks, drug coverage, and whether you qualify for help paying. Working with local health insurance brokers in Michigan removes that risk. You get a real person who explains your options in plain language, confirms your doctors are in network, and files the paperwork with you. We respect your privacy and offer free quotes, and our support does not stop after you enroll. We stay on as your agent for renewals, claims questions, and life changes all year.
100%
Dedicated to the
Michigan market
Same price
Rates are state-regulated: agent or direct
No spam
Quotes without your contact information
A− or better
Every carrier we work with (A.M. Best)
Year-round
Support beyond open enrollment
Tell us who needs coverage and your budget.
We line up your best options and explain the trade offs.
We handle the enrollment and confirm your start date.
We are your point of contact whenever you need us.
Service area
Whether you are self employed, between jobs, turning 65, or covering a whole company, we can help you find the right plan. If you have been searching for the best health insurance in Michigan for individuals, start with a free quote and let a Michigan health insurance agent do the comparison work for you.
Call (855) 847-7020 or request a free quote to speak with a licensed agent. Ryan Kennelly, Principal Broker.
Still curious about something? Every consultation starts with your questions, not our paperwork.
Ask a licensed agentReally. Insurance carriers pay licensed agencies a commission for enrollments, and by law your premium is the same whether you buy through us or directly from the carrier. The only difference is that with us, you get a human advocate for the life of your plan, for free.
No. We're independent, with no allegiance to any one insurance company. If there's a good health insurance product available in Michigan, we have it. Our recommendations start from your doctors, prescriptions, and budget. If your current plan is already your best option, we'll tell you that too.
Marketplace (ACA) Open Enrollment runs November 1 to January 15. Medicare's Annual Enrollment runs October 15 to December 7. Outside those windows, life events (moving, losing coverage, marriage, a new baby) often open a Special Enrollment Period. Dental, vision, and life plans can typically start any time. Not sure where you fall? Ask us; it's a two-minute answer.
More Michiganders qualify than expect to, including many self-employed people and early retirees. Savings are based on household income and size, and they can reduce a premium by hundreds of dollars a month. We run the numbers for you as part of every free consultation.
Usually, yes. Plans change their networks, drug lists, and pricing every year, quietly. Our clients who review annually frequently find the same (or better) coverage for less. If your plan is still the winner, the review costs you nothing but fifteen minutes of peace of mind.
You keep our number. Claims questions, confusing bills, ID cards, adding a new family member, renewals, that's all part of the service. Our team is available year-round to help you navigate your insurance needs beyond open enrollment, don't wait on hold with a carrier, call us instead.