Affordable Health Insurance

Losing Medicaid or CHIP?

You may be able to get low cost, quality health coverage through the Health Insurance Marketplace. Enrollment is March 31, 2023 through July 31, 2024. Enroll today for coverage starting the 1st of the next month.

Trinity Health Michigan encourages all who are uninsured or underinsured to turn to HealthCare.gov for assistance. The marketplace is trusted and appreciated by the 11.4 million Americans who currently use it to select their health insurance policies.

Trinity Health Michigan is committed to the principle that health care is a basic human right and that all Americans should have access to high-quality, comprehensive health care. Trinity Health contracts with multiple marketplace insurers in each of our markets. More than 10 percent of the commercially insured people we serve in our communities purchase their health insurance from the marketplace. Additionally, we support reopening the marketplace, as it will expand opportunity for communities hardest hit by COVID-19 and is a critical step toward achieving racial equity.

If you need health insurance, help is here. Call the Marketplace at 1-800-318-2596.

Learn More 

Muskegon and the Lakeshore Areas

The Health Project in Muskegon and Oceana counties have certified ACA assisters on site, assistance on its website or you can call 1-866-671-4819 (toll-free), 231-672-3201 (Muskegon) or 231-672-3364 (Oceana county).

Having health insurance reduces or eliminates your risk of facing major expense if you or a family member suffers from an illness or injury.

Health insurance can be affordable. For some, government subsidies offset the cost of insurance. Others may be eligible for Medicaid when previously they were not. Avoiding penalties for not having insurance should be a factor too. Most importantly, health insurance provides peace of mind.

For millions of uninsured or underinsured people, the Health Insurance Marketplace allows you to compare plans to find one that fits your budget and coverage needs. Based on income and family size, you may even qualify to receive financial assistance when purchasing these plans.

What Will the Health Insurance Marketplace Plans Cover?

All plans include coverage for doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternity and newborn care, pediatric services, laboratory services, rehabilitative services and devices, and mental health and substance use disorder services. Plans can also offer benefits like vision, dental, or medical management programs for specific diseases or conditions.

Health insurance Marketplace plans fall into four categories – Bronze, Silver, Gold, Platinum. Each plan has its own monthly and out-of-pocket costs:

• Bronze covers 60% of the total average costs of care
• Silver covers 70% of the total cost of care
• Gold covers 80% of the total cost of care
• Platinum covers 90% of the total cost of care

Medicare Open Enrollment

During the annual open enrollment period (Oct. 15 – Dec. 7, 2022), you can make a variety of changes, none of which involve medical underwriting:

• Switch from Medicare Advantage to Original Medicare or vice versa
• Switch from one Medicare Advantage plan to another
• Switch from one Part D prescription plan to another. It’s highly recommended that all beneficiaries use Medicare’s plan finder tool each year to compare the available Part D plans, as opposed to simply letting an existing drug plan auto-renew.
• Join a Medicare Part D plan. (Late-enrollment penalty might apply)
• Drop your Part D coverage altogether. (Re-enrolling in a later year will include a late-enrollment penalty if you’re not maintaining other creditable drug coverage)

Financial Assistance

A surprisingly large number of people qualify for financial help when buying health insurance through the Marketplace. By using one of the calculators available, you can estimate how much assistance you could obtain — before you even visit the Marketplace site at www.HealthCare.gov. However, only the Marketplace will let you know the exact assistance you can expect.

Financial Assistance Calculators

Healthcare.gov Calculator

This tool offered by Healthcare.gov provides a quick view of income levels that qualify for savings. Certain individuals may qualify at different levels. You’ll learn your exact savings and plan prices when you fill out a Marketplace application.

Use Calculator 

Kaiser Family Foundation Calculator

This tool developed by the Kaiser Family Foundation estimates health insurance premiums and subsidies for people purchasing insurance in the Marketplace.

Enter different incomes, ages, and family sizes to estimate your eligibility for subsidies and how much you could spend on health insurance:

Use Calculator 

Financial Assistance Income Chart

Look for your income and household size on this chart to see whether you qualify for financial assistance when purchasing health insurance.

Be Sure to Pick a Plan that Includes Trinity Health Michigan in Its Network

When you compare plans, you'll be able to see which hospitals are included in each one.

Be sure to choose a plan that includes Mercy Health in its network so you'll always have the latest treatment options, leading-edge technology, and the region's top-rated and most experienced physicians offering care centered around you and your needs.

To learn more and find a plan right for you, please call the Marketplace at 1-800-318-2596.