Best Health Insurance Agencies in Flint

Frequently Asked Questions

• 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.
  

• How much does health insurance cost in Flint?

  Health insurance premiums in Flint, and throughout Michigan, are among the lowest in the country. In 2021, the average benchmark price for premiums on health policies in the state is $347 per month, compared to the national average of $452 per month. The benchmark premium data is based on the silver plan, which has the lowest price.

• Who qualifies for the Medicaid program for children and low-income adults in Flint?

  Pregnant women, individuals under the age of 21, low-income families, adults over the age of 65, caretakers and parents of minors, childless adults eligible under the Medicaid expansion, and disabled and blind people are among the Flint residents who qualify for the Medicaid program for children and low-income adults. The income limits for each eligible group are different. For example, parents and childless adults can qualify if they earn up to 138% of the FPL.

• Who are eligible for health insurance coverage among the people who have been impacted negatively by the Flint water system?

  Families affected by the Flint water system crisis are eligible for health insurance if they lived, worked, or received education or childcare in the affected area from April 2014. Pregnant women, children under 21, and children of women who used the system during this period may also qualify. This ensures that those most vulnerable to the health effects of the water crisis have access to necessary healthcare coverage.

• How can Family Supports Coordination help people who are eligible for health insurance due to the Flint water system incident?

  Family Supports Coordination connects people who are eligible for health insurance as a result of the Flint water system problem with medical, social, educational, and other services. Supports coordinators assist families in developing a plan to meet their needs, such as scheduling appointments, obtaining lead screening, obtaining transportation assistance, and improving their emotional well-being. They connect families to educational resources and nutrition assistance in order to help them thrive.

• What is the HMP or Healthy Michigan Plan for Flint residents eligible for health insurance?

  The HMP, or Healthy Michigan Plan, is an eligibility category authorized by Michigan Public Act 107 and the Patient Protection and Affordable Care Act in 2013 to assist Flint residents in becoming eligible for health insurance. It began on April 1, 2014, with the goal of ensuring beneficiaries' access to quality health care, promoting healthy behaviors, and encouraging the use of high-value services.

• 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.