Hey all, I’m looking into affordable health insurance options in Michigan for 2025. Blue Care Network seems to be recommended a lot, but there are some other plans too. Anyone know which options might be best depending on where you live?
I’ve been checking out Ambetter from Meridian, especially if you’re in Detroit or nearby areas. They’ve got some of the most affordable Silver plans, starting at $330 a month.
Shan said:
I’ve been checking out Ambetter from Meridian, especially if you’re in Detroit or nearby areas. They’ve got some of the most affordable Silver plans, starting at $330 a month.
Yep, Ambetter’s rates are pretty good, especially if you don’t need a lot of flexibility with your doctors. I think they work well if you don’t mind a smaller network.
@hensonbull
Good to know. Do you know if Ambetter covers anything specific for people with ongoing medical needs?
If you’re looking for flexibility, Blue Cross Blue Shield (BCBS) is the way to go, especially with PPO plans. They let you see doctors outside your network without needing referrals, but it does cost more than HMO plans.
@Devlin
Agreed. PPO plans from BCBS are pricier, but if you want the freedom to see any doctor, it’s worth it. BCBS has one of the biggest networks too, which is nice.
Blair said:
@Devlin
Agreed. PPO plans from BCBS are pricier, but if you want the freedom to see any doctor, it’s worth it. BCBS has one of the biggest networks too, which is nice.
Totally. It’s around $534 per month on average for their Silver plan, so you pay for that flexibility.
For people on a lower income, Michigan offers subsidies through HealthCare.gov. I think most residents who qualify for discounts pay around $98 per month, and some pay less than $10.
Sloane said:
For people on a lower income, Michigan offers subsidies through HealthCare.gov. I think most residents who qualify for discounts pay around $98 per month, and some pay less than $10.
Yeah, those discounts really help. If your income is under $60,240 for an individual or $124,800 for a family of four, you can save a lot.
@Lennox
Exactly. It’s why so many people go for Silver plans. You get both the rate discount and extra help with copays and deductibles if you qualify.
Anyone in the Ann Arbor area? I found that Molina has the most affordable options here, starting around $343 per month for their Silver plan. It’s one of the better choices locally.
Keir said:
Anyone in the Ann Arbor area? I found that Molina has the most affordable options here, starting around $343 per month for their Silver plan. It’s one of the better choices locally.
Molina works for me! I think they’re the cheapest in a few places around Michigan, so they’re good for people who don’t mind sticking with an HMO.
@Dakota
Nice, yeah, HMO plans are usually cheaper. Just have to make sure all your doctors are in-network.
If anyone is wondering about short-term insurance, it’s an option but doesn’t cover as much. Good if you’re between jobs, but there’s no prescription or mental health coverage in most cases.
Francis said:
If anyone is wondering about short-term insurance, it’s an option but doesn’t cover as much. Good if you’re between jobs, but there’s no prescription or mental health coverage in most cases.
Short-term plans also don’t qualify for discounts, so if you’re eligible for subsidies, it’s usually better to get a standard ACA plan.
@Ash
True, and the short-term plans only last up to four months in Michigan, so they’re not a long-term solution.