Looking to cut your health plan costs? We can help.

Choosing a health plan can be confusing, especially finding ways to lower your costs. But we can show you how you could reduce your costs, based on your financial situation. In 2016, more than 82% of Michigan residents qualified for health insurance subsidies. It is very important to look at all your options as they could save you a significant amount of money. Below is an outline of 2017 health plan cost savings options, how they work and who qualifies. 2016 health plans are still available if you have a qualifying life event. To see if you qualify, visit chooseHAP.org/SEP.

Cost Saving Option

Available through

What is this?

How do I qualify?

Advanced Premium Tax Credit (also known as a subsidy) Health Insurance Marketplace A tax credit that lowers your monthly premium by applying your tax deduction toward the monthly cost of your health plan. Available with Qualified Health Plans in any metal tier (Platinum, Gold, Silver, and Bronze). To qualify, you must meet certain income limits based on your household size and you can’t have access to affordable health insurance through an employer.
Cost-Sharing Reduction (lower out-of-pocket costs) Health Insurance Marketplace Lowers the amount you pay when you use your health coverage – such as copays for doctor’s visits or prescriptions, deductibles and coinsurance. Only available with Silver plans purchased through the Health Insurance Marketplace. Qualification depends on income level. American Indians or Alaska Natives may qualify for other cost-sharing reductions.
Healthy Michigan Plan State of Michigan Plan Low cost health care coverage for Michigan residents. Available to Michigan residents age 19-64 who meet certain income limits, are not pregnant and don’t qualify for Medicare or other Medicaid programs.

Are you eligible for cost savings?

Your health plan choices and costs depend on your family size, how much money you earn and other facts. In just a few easy steps, we can help you find out if you may be eligible for lower costs through the Health Insurance Marketplace or the Healthy Michigan Plan.

To decide your eligibility, find your household size in the left hand column below, then check the income range in that row that best describes your total estimated household income for 2016.

Number of people in your household

Your estimated household income for 2016

Up to 138%

139% to 400%

401% or more

1 Up to $16,394 $16,395 to $47,520 $47,521 or more
2 Up to $22,108 $22,109 to $64,080 $64,081 or more
3 Up to $27,821 $27,822 to $80,640 $80,641 or more
4 Up to $33,534 $33,535 to $97,200 $97,201or more
5 Up to $39,247 $39,248 to $113,760 $113,761 or more
6 Up to $44,960 $44,961 to $130,320 $130,321 or more
7 Up to $50,687 $50,688 to $146,920 $146,921 or more
8 Up to $56,428 $56,429 to $160,560 $163,561 or more

The two most important subsidy considerations

Here’s an overview of the do’s and don'ts in determining your household size and income.

Household Size

The total number of people in your household even if you’re not looking for insurance for them.

Household size Do's & Don'ts

Household Income

Your total income before taxes.

Household income Do's & Don'ts

Household Size Do's & Don'ts

DO include:

  • Yourself
  • Your spouse
  • Your children who live with you
  • Your unmarried partner who needs health insurance
  • Any dependents, even if they don’t live with you
  • Anyone else under 21 who you take care of and lives with you

DON'T include:

  • Your unmarried partner and their children who don’t need health insurance
  • Your unmarried partner’s children, if they are not your dependents
  • Your parents who live with you
  • Other relatives who file their own tax return and are not your dependents

If you have any questions, please call a licensed HAP Personal Alliance representative at (888) 899-4459.

Household Income Do's & Don'ts

DO include:

You can start by adding up the following income items for:
  • You and your spouse, if you file a joint tax return
  • Any dependents who file a tax return
For each of the following sources, estimate what your income will be in 2017:
  • Wages
  • Self-employment
  • Unemployment
  • Social Security
  • Alimony
Also include retirement, investment, pension, rental and other taxable income such as gambling winnings.

DON’T include:

  • Child support
  • Gifts
  • Supplemental Security Income (SSI)
  • Veterans’ disability
  • Workers’ comp
  • Gains from loans

This is only a general overview of subsidy qualifications and there are several other factors involved in determining whether or not you qualify. We can help you walk through the process and make sure you take full advantage of your subsidy options. If you have any questions, please call a licensed HAP Personal Alliance representative at (888) 766-0699.

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