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Individual Health Insurance for Michigan Residents Under 65
Education-first guidance to help individuals and families understand coverage options, avoid enrollment gaps, and make confident health insurance decisions during life and employment transitions.
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Individual Health Products & Services
Employee Benefit Solutions helps individuals under age 65 explore and enroll in health insurance options that fit their budget, healthcare needs, and eligibility status.
On and Off Marketplace Health Plans
Dental, Vision, and Life Insurance
Short-Term Medical Plans
Ministry Share Programs
Indemnity Health Plans
Free Individual Health Education Guide
Free Marketplace Enrollment Guide
Understanding Your Individual Health Insurance Options in Michigan
This plain-English guide explains the differences between Marketplace plans, alternative coverage options, and short-term solutions. It helps individuals understand enrollment timing, subsidy eligibility, and common coverage pitfalls.
This plain-English guide explains the differences between Marketplace plans, alternative coverage options, and short-term solutions. It helps individuals understand enrollment timing, subsidy eligibility, and common coverage pitfalls.
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EBS Individual Health Education Library
Request access to additional educational resources designed to help individuals understand plan differences, enrollment windows, and coverage transitions.
Available Topics
- Open Enrollment Explained: What it is, When it happens, and Why it Matters
- 10 Things you should know before buying a Marketplace Health Insurance Plan
- How Premium Tax Credits work (and How to Avoid Paying them back)
- What Happens if you Miss Open Enrollment?
- What Happens if Your Income changes during the year?
- Can I get Marketplace Insurance if I’m eligible for a job-based plan?
- Special Enrollment Periods Explained: How to Qualify and What Triggers Eligibility
- Can Non-U.S. Citizens Get Health Insurance? What Green Card Holders and Immigrants Need to Know
- Why Your Doctor isn’t Covered: How HMO, PPO, and Narrow Networks Really Work
- Understanding Deductibles, Copays, Coinsurance, and Out of Pocket Maximums
- How Health Insurance Actually Pays Claims (And Why Yours Didn’t)
- Emergency Care vs Urgent Care: How One Decision Can Cost Thousands
- What Your Health Plan Will Never Tell You (But the Fine Print Does)
- Cost Sharing and Subsidies Explained: How Individual Health Insurance Really Works
- Indemnity Plans Explained: What They Cover, What They Don’t, and When They Make Sense
- Health Care Sharing Ministries Explained: What They Are – and What They’re Not
- Out-of-Pocket Maximums Explained: What They Protect – and What They Don’t
- COBRA vs Marketplace Coverage: Which is the Better Option?
- How to Avoid Costly Penalties and Coverage Gaps with Individual Health Insurance
- Why the Cheapest Health Plan Often Costs the Most
Schedule an Individual Health Consultation
Meet one-on-one with Erica, EBS’s individual health specialist, for personalized education and plan guidance.
Education & Trust Positioning
EBS focuses on helping individuals understand their health insurance options
before making enrollment decisions. Our approach emphasizes clarity, eligibility rules, and long-term coverage planning rather than rushed plan selection. We
serve as an ongoing resource as life events, income changes, and regulations
affect coverage eligibility.
before making enrollment decisions. Our approach emphasizes clarity, eligibility rules, and long-term coverage planning rather than rushed plan selection. We
serve as an ongoing resource as life events, income changes, and regulations
affect coverage eligibility.
Educational Disclaimer
This material is for educational purposes only and does not constitute legal, tax, or financial advice. Coverage availability, eligibility, and benefits may vary by plan and individual circumstances. Individuals should consult with a licensed advisor or appropriate professionals regarding their specific health insurance situation.