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Best Health Insurance Agencies in Macomb, MI

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Macomb Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

13900 Lakeside Circle, Sterling Heights, MI 48313
WebsiteLicense: 10309258 Rating

Review Sources

4.2 (97)
4.7 (97)

Why choose this provider?

Sterling Insurance Group is a full-service agency that has been serving Macomb and surrounding communities since 1996. It offers group health insurance plans and other coverage options under employee benefits. Its team of professionals helps employers in navigating through the healthcare process in retaining and protecting their employees. The independent agency also provides secondary home, watercraft, high net worth, builders' risk, and commercial umbrella insurance. Its founder, Joe Haney, is a Certified Risk Advisor who focuses his career on risk management and employee benefits.

  • Group Plans
  • Health Insurance

31711 Grand River Ave, Farmington, MI 48336
WebsiteLicense: 16192920 Rating

Review Sources

4.9 (26)

Why choose this provider?

HBL Insurance Agency has been serving business owners and residents in the Macomb metro since 1961. The independent company aims to help clients find suitable healthcare by offering four types of health insurance policies: EPO, HMO, POS, and PPO. It also offers vehicle, property, business, life, and personal package insurance plans. HBL Insurance Agency is currently owned and led by Mark Hatz. He has been working for the company, which was originally owned by his father, for almost 40 years.

2993 Corinthia Drive, Rochester Hills, MI 48309
WebsiteLicense: 984786 Rating

Review Sources

4.9 (53)
4.6 (26)
3.2 (9)

Why choose this provider?

Serving individuals and small businesses in Macomb, Rick Young Insurance specializes in health insurance and Medicare plans. Its agents help individuals find traditional health insurance coverage and alternative insurance products like Altrua HealthShare, a community-based coverage plan. They also help them customize their health insurance coverage with provisions for critical illnesses, accidents, and hospital indemnity. Medicare plans are also available. Rick Young Insurance supports charitable organizations like the Cassie Hines Shoes Cancer Foundation and the Mountain of Food Drive in Rochester.

  • Group Plans

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Sterling Insurance Group
13900 Lakeside Circle, Sterling Heights, MI 48313
HBL Insurance Agency
31711 Grand River Ave, Farmington, MI 48336
Rick Young Insurance
2993 Corinthia Drive, Rochester Hills, MI 48309


  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Where can Macomb Community College students apply for health insurance?

    Students at Macomb Community College have the option to seek and register for health insurance via the Health Insurance Marketplace, accessible at Those without existing health coverage may incur a penalty. Students already covered by Medicare, Medicaid, or employer-provided health insurance need not modify their health plans.

  • Which state-supported health insurance programs are available to Macomb and Macomb County residents?

    Massachusetts offers various healthcare options to residents of Macomb, which include the Blue Cross/Blue Shield of Michigan health plan, an HMO plan accessible to Michigan residents and individuals ineligible for COBRA. Another choice is the Michigan Health Insurance Program, which provides coverage for primary and specialty care, hospital services, and prescription medications.

  • What is the average cost of Medicare plans in Macomb County?

    In Macomb County, the typical monthly cost for Medicare plans stands at $68.47. Furthermore, the average in-network out-of-pocket expenditure cap is $5,300.42, and the standard drug deductible for 2023 is $429.57. The pricing of Medicare plans can vary based on a range of factors, including the particular plan choice individuals make, whether it is Original Medicare, Medicare Advantage, or Medicare Part D.

  • What major types of health insurance can Macomb residents choose from?

    Residents of Macomb can select from three primary categories of health insurance, including consumer-directed, fee-for-service, and managed care plans. With consumer-directed plans, individuals can establish a healthcare fund to handle their medical costs. Conversely, fee-for-service plans require policyholders to pay their healthcare providers for each service they utilize. On the other hand, managed care plans offer reduced out-of-pocket expenses, but these savings are only applicable when using in-network providers.

  • How can residents of the city of Macomb and Macomb County apply for healthcare coverage?

    Residents of Macomb have the option to submit their applications from the comfort of their own homes via the website Those seeking in-person assistance can visit and get in touch with a navigator. Alternatively, individuals can opt for a traditional paper application, available for download at

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.