Michigan « Health Insurance Advisory

Welcome to the New Healthcare Law Center and State News

new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

Low Cost Medical Insurance with an HSA

Health Saving Accounts (HSAs) paired with a high deductible medical insurance plan have significantly gained in popularity over the past several years for self employed individuals, families and employers of all sizes. These consumer driven health plans (CDHPs) offer low cost medical insurance and often lower out of pockets costs than traditional health insurance plans. In 2005, total HSA enrollment was only 1 million persons, while 11.4 million individuals as of January 2011 were enrolled in an HSA coupled with a high [...]

Read More » Authored by Pete S - Sr. Staff Writer in Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Health Saving Accounts, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Montana, Nebraska, New Hampshire, North Carolina, Ohio, South Carolina, Tennessee, Texas, Vermont, Wisconsin | Comments Off

Medical insurance premium increase review regulation implemented by Michigan

New rate filing requirements for individual medical insurance plans and small employer group health insurance have just been implemented by the Michigan’s Office of Financial and Insurance Regulation. These new rules apply to new health insurance rate filings and are in accordance with the rate review provisions of the new healthcare law, called the Patient Protection and Affordable Care Act (PPACA). Historically, all health insurers had to file rates for individual medical insurance plans in Michigan. Additionally, Blue Cross Blue [...]

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Blue Cross Blue Shield of Michigan appeal hospital contract lawsuit

Blue Cross Blue Shield of Michigan on Friday appealed a U.S. District Court judge’s denial to dismiss a federal and state lawsuit against the insurer that alleges the Blues’ use of certain hospital contracts stifles competition and drives up costs for consumers. The Blues have appealed to the U.S. Sixth Circuit Court after Detroit federal Judge Denise Page Hood said in June she was refusing the insurer’s request to dismiss the case, which was filed last fall by the U.S. [...]

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Medical Insurance Options – Michigan

Having adequate, affordable medical insurance is essential because it helps ensure access to quality healthcare and helps pay for the high cost of medical services, supplies, surgery and hospitalization. You and your dependents may be eligible for one or more of the following alternatives in Michigan: Medical insurance for young adults less than age 26 – Michigan Under the new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), effective September 2010, young adults covered their parent’s medical insurance are eligible [...]

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Regulation of Medical Insurance Premiums – Michigan

The oversight of individual, self-employed and small employer medical insurance happens at the state level. Since every state has its own unique set of regulations aimed at maintaining low cost medical insurance, the laws governing health insurance contracts vary dramatically. Some states have the authority to regulate premiums charged by health insurance companies, while others simply review rates but do not have the authority to reject a premium increase. The laws also differ based on the type of medical insurance policy [...]

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Michigan State Health Ranking

Michigan ranked 30th in the nation for health status in 2010. Health is a result of our behaviors, our individual genetic predisposition to disease, the environment and the community in which we live, the clinical care we receive and the policies and practices of our health care and prevention systems. Each of us, individually, as a community, and as a society, strives to optimize these health determinants, so that all of us can have a long, disease-free and robust life [...]

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