Group health insurance in Michigan can cover a group with two full-time members. The group may be a business, labor union or professional trade association and a single master contract usually covers the entire group.

Group medical insurance in Michigan offers additional benefits to a small business other than providing medical care to employees. It also has tax advantages because the employer contributions are almost always tax deductible. Michigan group insurance distributes the financial risk between all of the members, usually resulting in lower premiums and greater coverage for a group health plan.

There are three key points to consider when evaluating a Michigan group health insurance plan:

1. A health provider must generally be a member of the plan's preferred provider organization before Michigan group medical insurance companies will cover treatment costs.

2. The amount that the employee must pay before a Michigan group medical insurance company will cover the costs of treatment. A higher deductible usually means a lower premium.

3. The maximum amount group health insurance of Michigan will pay. This is known as the benefit cap or coverage limit.

Action Steps
The best contacts and resources to help you get it done

Get Michigan health insurance quotes through a broker

An independent broker usually has access to a large number of insurance carriers and should be able to recommend the best health insurance plan for your business.

I recommend: Go to Priority Health and select your specific region within Michigan. Contact one of the brokers listed on the next page based on the type and size of your business.

Collect quotes from a variety of Michigan group health insurance companies

Group health insurance plans for Michigan are almost always preferable to individual plans. They have much lower health requirements for their members and also have lower premiums.

I recommend: Explore the wide range of group health plans available from Health Alliance Plan. The three main product lines from this company are Alliance Health & Life, HAP and HAP Preferred.

Solicit quotes for a Michigan group health insurance plan from specific agencies

Provide complete information on your business and its employees when seeking a quote from a specific agency for group health insurance in Michigan.

I recommend: Complete one of the proposal requests from Michigan Health Plans. This company handles groups of all sizes and provides both HMO and PPO health insurance plans.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Michigan group health insurance providers can provide temporary and part-time employees with customized plans to suit their needs. Self-employed individuals are usually able to provide their employees with a less expensive plan that provides basic coverage for essential benefits. Flexible Spending Accounts also may be used to reduce health care costs for part-time employees.
• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. This type of group health insurance in Michigan usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures more closely than with a traditional health care plan.