Paul Zane Pilzer

  

  




State-by-State Guide to       

Individual/Family Health Insurance

 
Michigan Office of Finan. and Ins. Svcs.
(517) 373-0220
www.michigan.gov/cis
Guaranteed Issue   
Community Rated   

MI



 

Average Cost for an Individual Policy Sold in 2004: $112/month*
(single, average age 33, healthy)
*From 82,000 policies sold nationally online in 2004, see first page of Appendix A.

Typical Healthy Individual/Family Coverage
 

Traditional Co-Pay
Policy*

HSA/High-Deductible
Policy*
  Single Family Single Family
Monthly Premium $103 $358 $54 $180
Annual Deductible $1,000 $3,000 $2,600 $5,150
Annual Out-of-Pocket Max $3,000 $8,000 $4,600 $9,150
Doctor Visit Co-Pay $25-40/2 visits then 20% $25-40/2 visits then 20% -- --
Prescription Co-Pay $10-50 $10-50 -- --
Lifetime Maximum $5 million $5 million pp $5 million $5 million pp
*HumanaOne Plan with Office Visit Copay, $0 Rx Deductible; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Lansing, MI 48908; quoted 5.2.05.
HumanaOne HSA; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Lansing, MI 48908; quoted 5.2.05.

State-Guaranteed Coverage for
People with Preexisting Conditions

Guaranteed Issue PPO*
Monthly Premium Annual Deductible Annual OOP Max Doctor Visit Co-Pay Prescription Co-Pay Lifetime Maximum
$150 $1,000 $2,500 Not covered Not covered $1 million

*Blue Cross Blue Shield ValueBluePPO; single applicant (M/35) quoted 5.12.05 from Tara 800.848.5101.

Eligibility: (1) Michigan resident for six months out of the year and (2) ineligible for other group coverage or (3) federally eligible.

HIPAA-eligible individuals: Applicants are guaranteed an individual health insurance policy issued by Blue Cross Blue Shield.

Michigan requires Blue Cross Blue Shield Michigan to sell individual health insurance to any resident (“guaranteed issue”). BCBS Michigan cannot charge higher premiums because of applicant's health status.

Excerpted from The New Health Insurance Solution

 
 
  ADDITIONAL RESOURCES FOR THE NEW HEALTH INSURANCE SOLUTION
   



New Health Insurance Solutions for individuals, families, self-employeds, and businesses.

  



View the basic chapter table, expanded topical table, and pdf table of contents.

  



View the html or download a pdf version of the October 2005 press release.

    



Read excerpts on each topic discussed in The New Health Insurance Solution.



Read full reviews of The New Health Insurance Solution by Newsweek, The Wall Street Journal, Forbes, etc.



Read selected portion of reviews by Newsweek, CNN, The Wall Street Journal, Forbes, etc.
   



Read endorsements of The New Health Insurance Solution.

  



View other books written by New York Times best-selling author Paul Zane Pilzer.

  



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