Buying a short-term plan in Michigan
- Michigan limits short-term plans to 185 days and prohibits renewal.
- You can purchase additional short-term plans, but can’t have more than 185 days of short-term coverage from a single insurer in a 365-day period.
- Michigan’s rules continue to apply, despite the new federal guidelines.
- At least seven insurers offer short-term plans in Michigan.
Short-term plan duration limited to 185 days in Michigan
Michigan regulations limit short-term health insurance plans to no more than 185 days in duration and prohibit renewal. An applicant can purchase additional short-term plans, but cannot have more than 185 days of short-term coverage from one insurer in any 365-day period.
The Trump Administration’s new regulations allow for longer short-term plans, but are clear in noting that states may continue to impose stricter rules.
So short-term plans are limited to 185 days in duration in Michigan, and applicants are limited to no more than 185 days of short-term coverage in a 365-day period. The Michigan Department of Insurance and Financial Services has confirmed this in an FAQ on their website and in Bulletin 2018-20-INS.
Which insurers offer short-term plans in Michigan?
- Companion Life
- Independence American Insurance Company (IHC)
- National General
- Standard Life
- Standard Security Life
- United Healthcare (Golden Rule)
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.