Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Detroit

Our Recommended Top 11

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 Detroit 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.

17127Reviewed

10280Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

51150 Washington St, New Baltimore, MI 48047
WebsiteLicense: 18687555

Expertise.com Rating

Why choose this provider?

Insurance Warehouse provides a wide range of products to individuals and families in the Detroit metro. It offers health insurance plans, including Medicare, critical illness, accident, dental, and disability insurance. The independent agency creates personalized coverages to protect policyholders from financial losses caused by medical bills. It also serves business owners who want to obtain workers' compensation and business interruption insurance. Owner and president Victor Whang have been in the insurance industry for over 30 years.

  • Life Insurance

19304 Wyoming Avenue, Detroit, MI 48221
WebsiteLicense: 18121727

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Review Sources

Google
5.0 (53)

Why choose this provider?

Lifestyle Safety is a full-service life insurance company serving clients in Detroit. The company caters to individuals and families, providing insurance coverage according to their needs. It offers an extensive range of life insurance coverage, including children, term, and whole life, in addition to final expense. Lifestyle Safety also provides options for health insurance, such as dental, vision, and hearing coverage. Its owner Janine N. Davis has been in the industry for over 15 years, specializing in insurance, underwriting, and actuarial services.

  • Individual Plans

246 Liberty St., Walled Lake, MI 48390
WebsiteLicense: 710547

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Review Sources

Google
4.9 (199)
Facebook
5.0 (67)
Yelp
5.0 (1)

Why choose this provider?

TDA Insurance & Financial provides insurance solutions for clients in Detroit and the surrounding areas. It offers a comprehensive suite of personal insurance products, such as individual and group health insurance plans. In addition, the agency provides dental, vision, and home health care policies. It guides clients in choosing the level of coverage suited to their needs and helps them in comparing coverage plans according to their budget. The firm represents a wide range of insurance carriers in the market.

  • Health Insurance

59259 Van Dyke Ave, Washington, MI 48094
WebsiteLicense: 960450

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Review Sources

Facebook
4.6 (15)
Google
4.9 (7)

Why choose this provider?

Michigan Planners has been providing comprehensive healthcare coverage for families and businesses in Detroit for nearly 60 years. It offers individual and group health insurance policies, including dental and vision insurance and ancillary products for accidents, hospitalization, critical illnesses, and travels. Its agents conduct market assessments to help businesses create employee benefit plans with the best value. Michigan Planners is a third-generation employee benefits agency headed by John Dilorenzo, who has been with the company since 1982.

  • Individual Plans
  • Group Plans
  • Life Insurance

2711 East Jefferson Ave., Detroit, MI 48207
WebsiteLicense: 19814468

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Review Sources

Google
4.7 (3)
Facebook
5.0 (1)

Why choose this provider?

The Johnsman Financial Group is a mutual life insurance company that offers health insurance in the Detroit metro. It connects clients with different types of health care providers that they can choose from. The plans are coordinated according to the advantages they offer: bronze, silver, gold, and platinum, with platinum plans providing the most, and bronze plans with the least. Johnsman Financial Group and its subsidiaries have been providing solutions for insurance, retirement, and investment for over 100 years.

  • Life Insurance
  • Health Insurance

39555 Orchard Hill Pl #130, Novi, MI 48375
WebsiteLicense: 0005072

Expertise.com Rating

Review Sources

Facebook
5.0 (54)

Why choose this provider?

NuStar is an insurance services provider that serves clients throughout Detroit and its neighboring areas. This Novi-based agency offers a wide range of insurance products, including health insurance plans. These include whole life, term life insurance, annuities, dental and vision, and disability income insurance policies. Group life insurance plans are also available. NuStar has been serving clients since 1950 and has 15 offices located throughout the state. As an independent insurance agency, it represents multiple carriers in the market to offer more coverage options.

  • Health Insurance

7725 W Vernor Highway, Detroit, MI 48209
WebsiteLicense: 8547803

Expertise.com Rating

Review Sources

Google
4.0 (103)

Why choose this provider?

PD Dandnaik is an insurance agent for State Farm, he offers a wide range of insurance products to clients in Detroit and the surrounding areas. His offered products include auto insurance, car insurance, home insurance, condo insurance, life insurance, and engagement ring insurance. He also offers services such as banking, emergency roadside services, and financial services. State Farm's health insurance coverages have a lot of variety which include Medicare Supplement, individual medical, and supplemental health.

  • Individual Plans
  • Life Insurance

Sixth Street, Detroit, MI 48226
WebsiteLicense: 961877

Expertise.com Rating

Review Sources

Facebook
4.5 (8)
Google
2.0 (3)

Why choose this provider?

Diebold Insurance Agency offers health insurance solutions to individuals and business owners in Detriot. It has been providing comprehensive solutions to clients since 1983 with a family-focused approach. The business offers various Medicare options, including Medicare Advantage, Supplement, and Prescription Drug plans, in addition to dental and vision coverage. Additional products include life, auto, and home insurance. Diebold Insurance Agency also handles insurance needs across the trucking, manufacturing, and hospitality industries. Its CEO, Kevin Elliott, aims to address all clients' questions and concerns.

  • Life Insurance

19 Clifford Street, Detroit, MI 48226

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Review Sources

Facebook
5.0 (5)
Google
5.0 (2)

Why choose this provider?

MFE Insurance Brokerage is an independent insurance agency established in 2012 with offices in Detroit and Los Angeles. Its agents are equipped to deliver health insurance plans through its network of top-rated insurance providers from individual to business plans. The agency also features supplemental policies, including medical, dental, and vision plans. Other available insurance products include aviation liability, crop and inventory/finished stock, and entertainment insurance policies. Clients can issue COIs and file claims with its 24/7 support center. 

  • Individual Plans
  • Life Insurance

15401 Farmington Road, Ste 2, Livonia, MI 48154
WebsiteLicense: 7484148

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Jared Chapman is an insurance agent that caters to clients in the Detroit area. He partners with State Farm to offer health insurance products, including Medicare Supplement and long-term disability insurance. Chapman also deals with life insurance and provides options like whole, term, and universal life plans. His other insurance solutions include home, auto, and pet insurance. Chapman has over 15 years of experience in finance and serves as a member of the Livonia Chamber of Commerce.

  • Medicare Supplements
  • Health Insurance

6442 Michigan Avenue, Detroit, MI 48210
WebsiteLicense: 18176462

Expertise.com Rating

Review Sources

Google
3.8 (38)

Why choose this provider?

Family Auto Insurance Agency has been providing insurance solutions to residents of Detroit and other surrounding areas since 2012. The agency offers health insurance solutions to businesses, with coverage for group health and group disability plans. The agency also provides a choice of insurance plans for homeowners and renters, including property and liability. Moreover, it caters to vehicles such as auto, boats, and motorcycles, providing insurance coverage that includes liability, collision, uninsured, and underinsured.

  • Individual Plans
  • Group Plans
  • Life Insurance

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.

  • Are Detroit residents required to have health insurance under the Affordable Care Act?

    In Detroit, following the federal ACA, residents aren't mandated to have health insurance. The shared responsibility payment, a penalty for lacking coverage, has been eliminated. Though there's no tax consequence for being uninsured, possessing health insurance remains crucial to guard against substantial medical costs. No exemption is needed if you're without health coverage.

  • Do residents of Detroit need to meet a specific income bracket to be eligible for Medicaid?

    The income qualification for Medicaid in Detroit will depend on the family size. For example, a family of four earning up to $40,000 a year might be eligible for Medicaid. While Medicaid isn't completely free in Michigan, it's tailored to be low-cost for qualifying residents. Some beneficiaries might have minor copayments for specific services, but the program fundamentally aims to deliver cost-effective health coverage to those in utmost need.

  • Can immigrants in Detroit be eligible for Medicaid for their health insurance?

    In Detroit, eligibility for Medicaid as an immigrant hinges on your status. While undocumented immigrants can't access full Medicaid, they might get emergency services coverage. Immigrants lawfully here under five years typically aren't eligible for full Medicaid but could get government-subsidized private insurance. Those lawfully present for five or more years and certain other noncitizens can access programs just like U.S. citizens.

  • In Detroit, who qualifies as a dependent for health insurance, and until what age can children remain on their parent's plan?

    Anyone you claim as a tax dependent can typically be added to your health insurance in Detroit. Children, whether biological, step, adopted, or foster, can be included until they reach 26. This applies even if they're married, in or out of school, or financially independent. However, children must reside with you for a minimum of six months first. After 26, they can access a special enrollment period.

  • Can a Detroit resident with a disability secure health insurance that addresses their medical needs?

    Yes. Health insurance plans in Detroit are mandated to provide coverage without denying or excluding services linked to disabilities. Insurers can't decline your application or increase your rates due to a disability. Furthermore, every plan is obligated to offer essential health benefits, ensuring comprehensive care, including chronic ailment management, services for rehabilitation, and mental health provisions.

  • 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.