As a self-employed individual, life comes with a lot of ups and downs, sometimes your income and work schedule are affected. However, there is one thing that shouldn’t be affected by this, your health insurance. Having a health insurance policy can ensure you are protected from any unexpected healthcare costs.

Who gets self-employed health insurance?

Small business owners as well as other self-employed individuals in Michigan have access to the Small Business Health Options Program or SHOP exchange.

The exchange in Michigan is supported by the federal government and makes any business with a maximum of 50 employees eligible for this type of insurance. 

What Are The Benefits Of Self-Employed Health Insurance?

You may receive a subsidy

You could qualify for a subsidy which comes in form of a tax credit should your income fall below a particular level. The income level is based on federal guidelines and changes each year.

Your premiums are tax-deductible

Being self-employed means that the total of your health insurance premiums can be fully deducted from your personal income taxes, if you show a year's profit. 

What Health Insurance Options Are Available To Self-Employed Individuals In Michigan?

There are two types of plans available for self-employed people in Michigan. 

Individual Plan

You should understand that being self-employed in Michigan doesn’t exempt you from getting coverage via an individual health insurance policy. By law you are mandated to have health insurance regardless of your status. If you are interested in learning more about this and getting quotes, simply fill out the Very Good Coverage Quote Form.

Group Plan

This option is also available to small business owners residing in Michigan. A small business is basically a group of 2 employees with an employer. You need to meet this requirement to be considered eligible for a small group health insurance policy in Michigan. This means if you have a business and a full time worker, you can apply for group health insurance coverage. These Group Plans include:

  1. PPO Health Insurance Plans,
  2. HMO Health Insurance Plans,
  3. HSA-Qualified Health Insurance Plans
  4. Indemnity Health Insurance Plans.

Which Companies Offer Self-Employed Health Insurance in Michigan?

  • Blue Care Network of Michigan
  • Blue Cross Blue Shield of Michigan Mutual Insurance Company
  • McLaren Health Plan Community
  • United Healthcare

You work hard everyday, but insurance coverage shouldn’t be hard work. Let’s get you started at Very Good Coverage!


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