One short conversation, one application, every federal saving you qualify for. A licensed Michigan agent prepares and submits your HealthCare.gov application with you, at no cost, ever.
No paperwork marathons and no guessing. Here is exactly what happens when you apply with us.
ZIP code, household size, and estimated annual income. That is all we need to start, about five minutes.
We run your HealthCare.gov premium tax credit and cost-sharing reduction eligibility before you look at a single plan.
Side-by-side quotes from BCBSM, Priority Health, HAP, McLaren, Ambetter and more, with your doctors and prescriptions checked.
We submit the application together, you get your confirmation and member ID, and we stay your agent all year.
Gather these once and the application itself takes 20-30 minutes. Missing something? Apply anyway. We can add documents later.
Full names, dates of birth, and Social Security numbers for everyone applying.
Your best estimate of this year’s household income. Pay stubs or last year’s tax return help.
Policy numbers for any current health coverage, including employer offers.
A list of the doctors and prescriptions you want covered, so we can check networks first.
Where your carrier documents, ID cards, and confirmations should go.
Document numbers for eligible immigration statuses, when they apply.
All three routes reach the same HealthCare.gov marketplace. The difference is who stands beside you after you enroll.
Compares every major Michigan carrier, handles the application, and stays your advocate at renewal, claims, and life changes.
Helps you complete the marketplace application, but cannot recommend one plan over another or advocate with a carrier later.
You compare plans, estimate subsidies, and fix mistakes yourself. Errors in income estimates are the most common cause of surprise tax bills.
From Detroit to Marquette, we enroll by phone, video, or text. Whatever works for you. Evening and weekend appointments during open enrollment.
Still curious about something? Every consultation starts with your questions, not our paperwork.
Open enrollment runs November 1 to January 15 on HealthCare.gov. Enroll by December 15 for January 1 coverage; enroll after and coverage starts February 1. Outside those dates you need a qualifying life event (job loss, moving, marriage, a new baby) which opens a 60-day special enrollment window.
Most households finish in 20 to 30 minutes when the checklist above is ready. We prepare everything with you on one call, so there is no back-and-forth.
Nothing, ever. Carriers pay licensed agencies a commission, and by federal rule your premium is identical whether you enroll with us or on your own. You simply gain an advocate.
Yes, with a qualifying life event, and Healthy Michigan Plan (Medicaid) and MIChild enroll year-round. If you are not sure you qualify, ask us; the answer is often yes.