Frequently Asked Questions

FREQUENTLY ASKED QUESTIONS

I’m confused about signing up for health insurance. Where can I get help with the process?

Free in-person help is available from local assisters trained by the federal government. To find the closest assister, go here.

 

What happens after I request assistance?

A local assister will contact you to set up a meeting that will guide you through signing up for health insurance.

 

Is there a cost to receive assistance from a local assister?

No. The in-person help is free.

 

Is the assistance confidential?

Yes, you will meet in private with the local assister, and all information you share will remain confidential.

 

What happens during the meeting with the local assister?

Based on financial and other information you provide, the assister will help you make side-by-side comparisons of health plans that best meet your needs.

 

I’m worried about the costs of health insurance. Is there a plan that fits my needs and budget?

Financial help is available to help pay for the cost of insurance. In fact, 87 percent of people who have signed up through the Marketplace qualified for financial help. Also, all Marketplace plans must cover a set of preventive services such as shots and screening tests at no cost to you.

 

Can I be denied coverage?

No one can be turned down or charged more for coverage because they are sick or have a pre-existing condition such as asthma, diabetes or even cancer. If you have Medicare coverage, you are not eligible to use the Marketplace to buy a health or dental plan. Also, if you’re age 19–64 and your income is 133 percent of the federal poverty level (for example, if your income is $16,000 for a single person or $33,000 for a family of four), you may qualify for coverage through the Healthy Michigan Plan. Our assisters can help you determine the type of coverage you and your family qualify for.

 

What will my plan cover?

All plans offered through the Marketplace must cover important benefits, including doctor visits, hospitalizations, maternity care, emergency room visits and prescriptions.

 

Is there a fine for not having insurance?

Yes. If you don’t have coverage in 2016, you’ll pay either 2.5 percent of your yearly household income or $695 per person ($347.50 per child under 18), whichever is more.

 

I missed the deadline to sign up for coverage. What do I do now?

You may still qualify to buy insurance through the Marketplace if you have had a special life event, such as marriage or the birth of a child. Contact one of our local assisters to see if you qualify.

 

Where can I find more details about the Health Insurance Marketplace or the Healthy Michigan Plan?

Our local assisters stay up to speed on the latest developments in health care. They are always willing to answer your questions. The HealthCare.gov or HealthyMichiganPlan.org websites are also great places to get the latest information.

Enroll Northern Michigan is supported by Northern Michigan hospitals and federally qualified health centers (FQHC),
the Northern Michigan Public Health Alliance, Northern Health Plan, Tencon and Michigan Consumers for Healthcare.
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