Expertise.com Homepage

2024

Last updated:

Best Health Insurance Agencies in Troy, MI

Our Recommended Top 8

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 Troy 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.

1527Reviewed

919Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

25801 Franklin Park Court, Franklin, MI 48025
WebsiteLicense: 14378132

Expertise.com Rating

Why choose this provider?

The Burwick Group is an insurance brokerage and benefits consulting firm based in Franklin. This insurance agency provides individual and group insurance plans for clients throughout Troy and the neighboring areas. It offers various health insurance products, including individual and family health insurance, short-term medical insurance, long-term care policies, and annuity products. This full-service insurance firm also provides employee benefits administration as well as risk management solutions for business owners. Company founder Todd Burwick holds more than 15 years of insurance and financial service experience.

  • Individual Plans
  • Group Plans
  • Life Insurance

560 Kirts Boulevard, Troy, MI 48084

Expertise.com Rating

Review Sources

Google
3.0 (5)

Why choose this provider?

Liberty Union Life Assurance Company has been providing insurance solutions throughout Troy and the surrounding areas for over 40 years. The insurance company specializes in insurance services for small-sized and medium-sized businesses. It offers specific health insurance plans, such as the Liberty Union fully-funded health plans, fully-funded HSA plans, and appeal dental plans. Liberty Union Life Assurance Company works exclusively with independent insurance agents, offering an extensive range of medical plans with various coverage and combination options.

  • Individual Plans
  • Life Insurance

30500 Van Dyke Avenue, Warren, MI 48093
WebsiteLicense: 17582227

Expertise.com Rating

Review Sources

Google
4.0 (16)

Why choose this provider?

FSA Health Insurance Agency creates insurance plans for individuals and families in the Troy metro. Its team procures any Medicare health insurance plan suited to their client's needs, including Medicare Advantage, Medicare Supplement, Medicaid, and Medigap policies. The agency also handles other health insurance products covering long-term care, hospital indemnity, or final expense. With its network of insurance providers, FSA Health Insurance Agency can compare multiple coverages to help its clients find premiums that match their needs.

  • Individual Plans
  • Life Insurance

2071 15 Mile Road, Sterling Heights, MI 48310
WebsiteLicense: 0069596

Expertise.com Rating

Why choose this provider?

Primary Insurance Agency Group LLC is an independent insurance agency in Sterling Heights that offers insurance products and services to residents of Troy. The company started its operations in 2005 and specializes in both personal and business insurance lines. It writes health insurance plans in partnership with some of the region's top providers, such as National General, Travelers, and Allstate. Primary Insurance Agency Group was recognized as the Customer Advocate of the Year by The Hartford in 2014.

  • Life Insurance

191 North Avenue, Mount Clemens, MI 48043
WebsiteLicense: 8676182

Expertise.com Rating

Why choose this provider?

With more than 40 years of industry experience, Action Group, Inc., provides policy options to customers in Troy. Its portfolio includes products such as health insurance, individual and group benefits, dental and vision insurance, disability insurance, and life insurance. The company also has coverages for cars, motorcycles, boats, snowmobiles, homes, and pets. Representing several insurance companies, Action Group’s other available services include an array of commercial policies like general liability, workers’ compensation, and bonds.

  • Individual Plans
  • Life Insurance

780 West Maple Road, Troy, MI 48084
WebsiteLicense: 18443215

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Krystal Pedersen is a local insurance agent at State Farm Insurance who serves individuals, families, and businesses in Troy and the surrounding areas. Pedersen assists patients of all ages with acquiring medical subsidies through a health insurance policy. She and her team deliver a variety of health insurance coverage depending on the needs of her clients. These include individual medical health, supplemental health, long-term and short-term disability, as well as Medicare supplement insurance. Pedersen has been with State Farm Insurance for four years.

  • Individual Plans
  • Life Insurance

2800 Livernois Road, Suite 170, Troy, MI 48083
WebsiteLicense: 1005349

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Goodman Venegas Insurance Agency, Inc., is a private business that provides insurance options for customers in Troy. The agency's team of professionals offers employee benefits to deliver financial protection to businesses and their employees. They have access to a wide range of individual lines, including medical plans, prescription drug coverage, short and long-term disability, life and accidental death and dismemberment, and dental and vision. Voluntary products are also available, such as critical illness and accident insurance policies. They carry 60 years of combined industry experience.

  • Group Plans
  • Life Insurance

2993 Corinthia Drive, Rochester Hills, MI 48309
WebsiteLicense: 0060821

Expertise.com Rating

Review Sources

Google
4.0 (18)
Facebook
4.6 (15)
Yelp
3.0 (9)

Why choose this provider?

Rick Young Insurance is a Rochester Hills-based insurance company that provides insurance services throughout Troy and the neighboring communities. It specializes in health insurance products and Medicare plans. The agency also offers alternative health insurance plans, such as Medi-Share and Altrua HealthShare. The agents from the company provide additional plans, including critical illness insurance and hospital indemnity plans. Rick Young Insurance has access to multiple insurance carriers, including Health Alliance, Humana, Aetna, and Blue Cross Blue Shield of Michigan.

  • Life Insurance
  • Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
The Burwick Group
25801 Franklin Park Court, Franklin, MI 48025
Liberty Union Life Assurance Company
560 Kirts Boulevard, Troy, MI 48084
FSA Health Insurance Agency
30500 Van Dyke Avenue, Warren, MI 48093
Primary Insurance Agency Group LLC
2071 15 Mile Road, Sterling Heights, MI 48310
Action Group, Inc.
191 North Avenue, Mount Clemens, MI 48043
Krystal Pedersen
780 West Maple Road, Troy, MI 48084
Goodman Venegas Insurance Agency, Inc.
2800 Livernois Road, Suite 170, Troy, MI 48083
Rick Young Insurance
2993 Corinthia Drive, Rochester Hills, MI 48309

FAQs

  • 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.

  • What is a Medicare Advantage PFFS plan in Troy?

    A Medicare PFFS Plan is a particular kind of Medicare Advantage Plan provided by a private insurance provider in Troy. It sets the rates for payments to hospitals, doctors, and other healthcare providers, and specifies your cost responsibilities for the services you utilize. Plans have emergency and urgent care coverage, out-of-pocket expense caps, and occasionally a prescription medication benefit. Acquiring a PFFS plan serves as a substitute for your Medicare coverage.

  • What is the meaning of a subsidy in Troy?

    A subsidy in Troy refers to financial aid that decreases product or service costs without the need for repayment. There are two types of subsidies for individual health insurance plans. The first is the advanced premium tax credit, which decreases either your annual premium or monthly payment for health insurance. The second is cost-sharing reduction, which reduces the out-of-pocket costs you face for healthcare services during a policy period. This amount encompasses your copays, coinsurance, and deductibles.

  • What are the requirements in Troy to qualify for a subsidy?

    If you earn up to four times the federal poverty level, you may be eligible for a subsidy in Troy. A family of four would pay $97,000, and an individual would pay around $47,000. You may qualify for the two types of subsidies if you are earning approximately $29,000 or below per year as an individual and $60,000 or below per year as a family of four.

  • Who can you include as a dependent on your health insurance plan in Troy?

    Your children under 26 years old can remain covered by your health insurance in Troy, regardless of their work, marital status, or living situation. You can also include stepchildren, biological children, adopted children, children's siblings or half-siblings, foster children in your care, and your qualifying children's children in your health insurance plan, in addition to your spouse or other dependents. Kids need to have lived with you for six months to be covered.

  • Are you allowed to add your parents to your health insurance coverage in Troy?

    If you currently list your parents as dependents on your tax returns, you have the option to include them in your Troy health insurance coverage. However, the rules may vary between insurance policies. For instance, some insurance providers require that the parent(s) reside with you. To get detailed information about this possibility and any specific limitations, it's best to communicate directly with your insurance provider.

  • 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.