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How to Find Affordable Health Insurance in the State of Michigan

Michigan Affordable Health InsuranceFree or low-cost health care insurance is available to low-income residents of Michigan through the Michigan Department of Community Health.

The Low Income Family (LIF) Program provides Medicaid health insurance benefits to families who meet the minimum income guidelines and includes coverage for medical, dental, vision and mental health services. If families on the LIF program become ineligible because their income exceeds the limitations for LIF, they can apply for transitional benefits for up to one year through the Transitional Medical Assistance (TMA) program. After one year, they can then apply for Transitional Medical Assistance Plus (TMA-Plus).

Full medical benefits at no cost or low cost is available for adults over 65, disabled or blind through Michigan's Medicaid program. MIChoice provides home-based and community health care coverage for the elderly, blind and disabled. Medicare Savings Program (MIP) helps families pay for Medicare premiums, deductibles and co-payments. Limited coverage is also available to adults through the Adult Medical Program (AMP) for those who don't qualify for Medicaid.

Children's health insurance programs include Healthy Kids, a Medicaid program for children under 19 and pregnant women with low income levels. MIChild is for children under 19 from low-income families who are employed. Income limitations are higher for this program than for Healthy Kids, but the $10 per month premium covering all children in the family is very affordable. Children's Special Health Care Services (CSHCS) provides medical health coverage for children under 21 with special health needs, and children over 21 with cystic fibrosis or other blood diseases.

Pregnant women may apply for Medicaid benefits that cover medical care during pregnancy under the Healthy Kids for Pregnant Women Program. Group 2 Pregnant Women Program is for women whose income exceeds the limits for the Healthy Kids program; a deductible is charged for this insurance. Maternity Outpatient Medical Services (MOMS) covers outpatient prenatal services only. It is an excellent program for pregnant teens who do not want to apply for Medicaid due to their concerns for privacy. Income guidelines apply to adult women but not to teens.

Michigan Health & Hospital Association:
www.mha.org

Michigan Dept of Community Health:
www.michigan.gov/mdch/


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