Many Michigan families qualify for premium tax credits that bring the monthly premium on a HealthCare.gov Marketplace plan down to $0. Discover Claims is an independent, licensed agency — we check what you qualify for and compare plans, doctors and prescriptions with you, at no cost to you.
The premium tax credit is a federal subsidy that lowers the monthly premium on a Marketplace plan. It's based on the income and household size you expect for the year, and it can be paid straight to your insurance company every month, so you never pay the full price up front.
$0 premium means $0 per month after the premium tax credit. Deductibles, copays and coinsurance still apply, and plans with lower premiums usually have higher deductibles. The credit is settled on your federal tax return, so report income and household changes during the year.
You can usually get a premium tax credit on a Marketplace plan if all of these are true:
Adults with lower incomes may qualify for the Healthy Michigan Plan, and children may qualify for Medicaid or MIChild, often at little or no cost. If one of those is the better fit for your family, we'll tell you and point you to it.
Every Marketplace plan covers the same essential health benefits, and no one can be turned down or charged more for a pre-existing condition.
Checkups, screenings and vaccines at no cost, before you meet your deductible.
Office visits, hospital stays, surgery and emergency room care.
Every plan includes prescription coverage. We'll check your medications.
Maternity care, delivery and care for your newborn.
Counseling, therapy and substance use treatment.
Dental and vision care for children is an essential benefit.
Provider networks, drug lists, deductibles and copays vary by plan and county. We'll check your doctors and prescriptions before you choose.
Outside open enrollment you can only sign up after a qualifying life event, so mark these dates.
Sign up for a Marketplace plan, or switch plans, for 2027.
Pick a plan by December 15 to be covered from the first day of the year.
Plans picked in the last month of open enrollment start a month later.
Moving, losing other coverage, getting married or having a baby usually gives you 60 days to enroll.
Compare Medicare Advantage and Medicare Supplement plans with the same licensed, independent agents.
See Medicare PlansChat with a licensed agent now, or leave a message and we'll get back to you. No cost, no obligation.
Talk to an AgentTwo more ways Discover Claims helps people navigate medical care.
Create a wallet-sized card that tells first responders which medical facilities you prefer — and which to avoid — before they make that call for you. Free, no account, and your information stays on your phone.
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Get paid back for every mile you drive to care. Our free Android app tracks trips to medical appointments and prepares reimbursement requests for your insurance company in minutes.
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