The health insurance industry in Michigan includes a variety of firms that provide coverage for medical expenses, delivering essential services tailored to residents' needs. This industry comprises private companies, non-profits, and public providers, focusing on individual plans, employer-sponsored insurance, and specialized products like Medicare Advantage. Trends indicate a shift towards value-based care, emphasizing better health outcomes and patient satisfaction. As healthcare costs rise, insurers are exploring innovative strategies to manage risk while ensuring accessibility. With technology's growing role, telehealth services are likely to redefine how care is delivered and insured in the coming years.


This list features 19 prominent health insurance companies in Michigan, including both established providers and newer entrants. They vary in size, from small firms with under ten employees to large organizations with thousands on the payroll. Founded between the 1940s and 2000s, many specialize in employer-sponsored plans, Medicare options, or individual health coverage while all strive to provide affordable and effective healthcare solutions to their clients. Headquartered across the state, these companies play significant roles in Michigan's health system and contribute to shaping local healthcare policy.


Read on to discover more about Michigan's top health insurance companies.


Top 19 Health Insurance Companies in Michigan


1. Health Alliance Plan

  • Website: hap.org
  • Ownership type: Private
  • Headquarters: Detroit, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2016
  • Founded year: 1960
  • Headcount: 501-1000
  • LinkedIn: health-alliance-plan

Health Alliance Plan (HAP) is a health insurance provider based in Detroit, Michigan, with a history dating back to 1960. The company specializes in a range of health insurance products, including Medicare Advantage plans, individual and family plans, and employer-sponsored insurance. HAP is dedicated to delivering essential health coverage and resources that help manage healthcare costs effectively. With a workforce of over 1,000 employees, HAP serves a significant number of consumers and businesses, focusing on quality care and member support. Their offerings include various Medicare plans, prescription drug coverage, and wellness programs, reflecting their commitment to enhancing the health and well-being of their members. HAP operates solely within the United States, ensuring a localized approach to healthcare services.


2. Meridian

  • Website: mimeridian.com
  • Ownership type: Private
  • Headquarters: Detroit, Michigan, United States (USA)
  • Employee distribution: United States (USA) 97%, Other 3%
  • Founded year: 1997
  • Headcount: 1001-5000
  • LinkedIn: meridian-health-plan

Meridian, founded in 1997 and based in Detroit, Michigan, operates as a private health insurance provider. The company primarily offers MeridianComplete, a Medicare-Medicaid Plan (MMP) designed for individuals eligible for both Medicare and Medicaid. MeridianComplete focuses on delivering comprehensive healthcare coverage, which includes pharmacy services and various health resources. The company emphasizes managed care services, assisting members in navigating their healthcare needs effectively. With a workforce of over 1,300 employees, Meridian is dedicated to ensuring that its members have access to necessary medical care and support. Their operations are primarily concentrated in the United States, with a strong presence in Michigan, where they contract with both Medicare and Michigan Medicaid to provide benefits to enrollees. Meridian's commitment to member resources, provider support, and health education reflects their active involvement in the health insurance industry.


3. American Health Plans

  • Website: americanhealthplansinsurance.com
  • Ownership type: Corporate
  • Headquarters: Clinton, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: November 2022
  • Founded year: 2013
  • Headcount: 11-50
  • LinkedIn: ahpins

American Health Plans, based in Clinton, Michigan, is a health insurance provider that aims to deliver affordable health insurance solutions tailored for individuals, families, and small businesses. Established in 2013, the company offers a variety of insurance products, including major medical plans, short-term coverage, and supplemental insurance options. Their approach prioritizes excellent customer service, ensuring that clients can navigate the often complex insurance landscape with ease. American Health Plans is contracted with several major insurance companies, allowing them to shop for the best plans suited to their clients' needs. The company operates entirely within the United States and has a dedicated team of agents who are experienced in finding cost-effective solutions for their clients. Despite not having reported any funding, American Health Plans continues to serve its clientele with a focus on accessibility and affordability in health insurance.


4. Cornerstone Benefits & Insurance


Cornerstone Benefits & Insurance, based in Troy, Michigan, is a private insurance agency founded in 1981. The company specializes in providing a comprehensive range of health insurance and benefits services tailored for individuals, families, and businesses. Their offerings include medical, dental, and travel insurance, alongside benefits administration and compliance services. Cornerstone is particularly focused on helping clients understand and adhere to healthcare regulations, such as the Affordable Care Act (ACA). They have positioned themselves as a technologically advanced firm, utilizing modern solutions to enhance their service delivery. With a small team of around 16 employees, Cornerstone maintains a personalized approach to client interactions, ensuring that customers receive tailored advice and support in navigating their health insurance options.


5. US Health and Life


US Health and Life Insurance Company, founded in 1996, is based in Sterling Heights, Michigan. The company specializes in providing health insurance solutions tailored for employers and their employees. With a focus on high-quality benefit plans, USHL aims to assist businesses in managing employee health benefits effectively. In 2015, USHL became part of Ascension, the largest nonprofit health system in the United States, which has allowed it to enhance its offerings and integrate with a broader healthcare network. USHL provides various healthcare plans, including excess loss insurance policies and EPO/PPO insurance plans, underlining its commitment to supporting employers in safeguarding their workforce's health.


6. Superior Health Plans

  • Website: shpnet.com
  • Ownership type: Private
  • Headquarters: Monroe, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 51-200
  • LinkedIn: superior-health-plans

Superior Health Plans, based in Monroe, Michigan, is an insurance agency that has been active since 1997. With a team of 51-200 employees, the agency specializes in offering a variety of health and life insurance products tailored to individuals, families, and businesses. Their services include individual health insurance, group health insurance, life insurance, travel insurance, and supplemental insurance. The agency prides itself on its customer-centric approach, providing support throughout the application and policy management processes. They represent multiple top insurance companies, allowing clients to access a wide range of options. The agency's founders, Trish and Jack Adams, have extensive experience in the industry, which they leverage to guide their clients effectively. Superior Health Plans emphasizes the importance of professional guidance in navigating the complexities of insurance, making them a resourceful partner for those seeking coverage.


7. National Health Plans & Benefits Agency

  • Website: nhpba.com
  • Ownership type: Corporate
  • Headquarters: Fraser, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: August 2022
  • Founded year: 2012
  • Headcount: 51-200
  • LinkedIn: national-health-plans-benefits-agency

National Health Plans & Benefits Agency (NHPBA) is a health insurance provider based in Fraser, Michigan, established in 2012. The company specializes in a variety of insurance products, including HealthShare, Supplemental Health, Medicare, and Life Insurance. NHPBA serves individuals and families seeking comprehensive health coverage, while also providing agents with essential tools and support to enhance their sales capabilities. With a collective experience of over 100 years in the insurance industry, the leadership team at NHPBA is dedicated to empowering agents and ensuring clients receive optimal care. The company has successfully built a customer base of over 50,000, indicating a solid foothold in the market. NHPBA operates under the brand of BRP Insurance LLC, ensuring that all insurance transactions are conducted through a licensed entity. Their commitment to customer service and agent support positions them as a noteworthy player in the health insurance industry.


8. ASR Health Benefits TPA

  • Website: asrhealthbenefits.com
  • Ownership type: Private Equity
  • Headquarters: Grand Rapids, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: February 2024
  • Founded year: 1983
  • Headcount: 51-200
  • LinkedIn: asr-health-benefits-tpa

ASR Health Benefits TPA, based in Grand Rapids, Michigan, has been a player in the health insurance industry since its founding in 1983. The company offers a variety of health plans, including self-funded and shared-funded options, which are designed to provide businesses with affordable health benefits for their employees. ASR Health Benefits focuses on helping employers manage healthcare costs while ensuring quality coverage. Their product offerings also include consumer-directed health plans, which empower employees to make informed decisions about their healthcare spending. The company serves clients across the United States, emphasizing a commitment to personalized service and effective cost management strategies. With a workforce of around 25 employees, ASR Health Benefits maintains a dedicated approach to client relations and plan administration, ensuring that businesses can navigate the complexities of health benefits with ease.


9. Michigan Planners

  • Website: miplanners.com
  • Ownership type: Family Owned
  • Headquarters: Washington, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1962
  • Headcount: 11-50
  • LinkedIn: michigan-planners-inc-

Michigan Planners, based in Washington, Michigan, is a family-owned insurance agency that has been serving clients since 1962. With a workforce of 11 to 50 employees, the company specializes in providing a wide array of employee benefits and insurance services. Their offerings include health insurance for both small and large groups, individual health coverage, Medicare solutions, and retirement planning. Michigan Planners prides itself on its ability to assist businesses and individuals in understanding and managing their healthcare options. They have established a reputation for personalized service, which is evident in their client testimonials. The agency operates multiple locations across Michigan, including Traverse City and Lansing, and serves clients in 26 states, showcasing their reach and commitment to client satisfaction.


10. Wright Insurance Group


Wright Insurance Group, founded in 1994 and based in Traverse City, Michigan, is a private insurance brokerage specializing in health insurance and employee benefits. The firm serves as a resource for insurance agents and brokers, helping them navigate the complexities of health insurance offerings. Their product lineup includes group medical plans, ancillary services, and individual life insurance, aimed at providing comprehensive solutions tailored to client needs. The company prides itself on its commitment to service, offering agents a streamlined process for obtaining quotes and managing compliance. With a focus on the Michigan market, Wright Insurance Group has established itself as a supportive partner for local insurance professionals, ensuring they have access to quality coverage options from various carriers.


11. LifeSecure Insurance Company

  • Website: yourlifesecure.com
  • Ownership type: Private
  • Headquarters: New Hudson, Michigan, United States (USA)
  • Employee distribution: United States (USA) 98%, Canada 2%
  • Latest funding: October 2017
  • Founded year: 2006
  • Headcount: 51-200
  • LinkedIn: lifesecure

LifeSecure Insurance Company, founded in 2006 and based in New Hudson, Michigan, is a private insurance provider focused on health-related financial protection. The company specializes in products such as accident insurance, critical illness coverage, hospital indemnity plans, and long-term care insurance. LifeSecure aims to simplify the insurance experience, making it easier for consumers and businesses to understand and access their offerings. They are licensed to operate in the District of Columbia and all states except Florida and New York, indicating a significant national footprint. LifeSecure's approach combines innovative product development with a commitment to customer service, striving to meet the evolving needs of their clients. Their emphasis on ethical practices and customer trust further enhances their standing in the insurance industry.


12. Automated Benefit Services, Inc.

  • Website: abs-tpa.com
  • Ownership type: Private
  • Headquarters: Sterling Heights, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 201-500
  • LinkedIn: automated-benefit-services-inc.

Automated Benefit Services, Inc. (ABS), founded in 1997 and based in Sterling Heights, Michigan, operates as a healthcare benefits management company. It provides third-party administration services that streamline claims processing and benefit administration. ABS serves a variety of stakeholders, including members, healthcare providers, and employers, helping them navigate the complexities of healthcare systems. The company emphasizes efficiency and clarity in managing benefits, which is evident in its offerings such as a mobile app and an online portal for easy access to claims and benefits information. With a focus on customer service, ABS has administered benefits for over 251,000 members and processed nearly $897 million in claims, showcasing its operational scale and commitment to accuracy in claims processing.


13. Walton Insurance Group

  • Website: waltoninsurancegroup.com
  • Ownership type: Private
  • Headquarters: Jackson, Michigan, United States (USA)
  • Employee distribution: United States (USA) 97%, Bangladesh 3%
  • Founded year: 1951
  • Headcount: 51-200
  • LinkedIn: walton-insurance-group

Walton Insurance Group, established in 1951, is a private insurance agency based in Jackson, Michigan. With a workforce of around 61 employees, the company has built a reputation for providing a wide array of insurance products, including personal, commercial, and health insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through tailored insurance solutions. Their health insurance offerings include employer health benefits, Medicare, and individual health plans, showcasing their involvement in the health insurance market. Walton Insurance Group emphasizes community engagement and customer satisfaction, positioning itself as a trusted name in the insurance industry for over seven decades. They have recently partnered with Keystone Agency Partners to enhance their service capabilities and growth potential, further solidifying their presence in the insurance sector.


14. Altruis Benefit Consulting

  • Website: altruisbenefit.com
  • Ownership type: Private
  • Headquarters: Bingham Farms, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2002
  • Headcount: 11-50
  • LinkedIn: altruisbenefitconsulting

Altruis Benefit Consulting, founded in 2002 and based in Bingham Farms, Michigan, is a private consulting firm that specializes in employee benefits and insurance solutions. With a team of 28 employees, the company focuses on providing tailored insurance products, including health and life insurance, Medicare services, and supplemental insurance. Altruis aims to assist both businesses and individuals in understanding and selecting the best insurance options available. Their approach emphasizes education and trust, positioning themselves as objective advisors in the complex world of insurance. They leverage relationships with top insurance carriers to create effective benefits programs for their clients, ensuring that they navigate the intricacies of health insurance with expert guidance.


15. Farm Bureau Insurance of Michigan


Farm Bureau Insurance of Michigan, founded in 1949, operates as a private insurance provider based in Lansing, Michigan. The company is part of the Michigan Farm Bureau Family of Companies and offers a wide array of insurance products, including auto, home, life, health, business, and farm insurance. With a workforce of over 1,300 employees, they serve individuals, families, and businesses, focusing on delivering comprehensive coverage tailored to the needs of their clients. Their health insurance segment includes individual and family plans, employer group plans, and Medicare options, reflecting their commitment to addressing the healthcare needs of Michigan residents. Additionally, the company emphasizes its support for local farmers and rural communities, integrating agricultural interests into its insurance offerings. This dual focus on health and agriculture positions them uniquely within the insurance industry.


16. National Benefit Plans

  • Website: nbplans.com
  • Ownership type: Private
  • Headquarters: Troy, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1998
  • Headcount: 51-200
  • LinkedIn: national-benefit-plans

National Benefit Plans, Inc. (NBP) is a private health insurance brokerage based in Troy, Michigan. Founded in 1998, the company specializes in individual and small group medical insurance, as well as Medicare supplements and life insurance. With over 30 years of experience in the industry, NBP prides itself on delivering personalized service through a network of agents located across the United States. They work closely with clients to assess their needs and find suitable coverage options. NBP is committed to educating clients about their health insurance choices, ensuring they make informed decisions. The company also engages in community service, with staff and agents volunteering for local organizations. This dedication to both client service and community involvement underscores their role in the health insurance sector.


17. The Mary Stucko Agency, Farm Bureau Insurance


The Mary Stucko Agency, part of the Michigan Farm Bureau Family of Companies, is an insurance provider based in Meridian Charter Township, Michigan. Founded in 2008, the agency specializes in a variety of insurance products, including health, auto, home, life, business, and farm insurance. With a strong emphasis on serving individuals, families, and the agricultural community, the agency aims to provide essential coverage that helps manage risks and protect assets. Their health insurance offerings include individual and family plans, employer group plans, and Medicare options, reflecting their commitment to addressing the healthcare needs of their members. The agency operates primarily within Michigan, focusing on the unique requirements of its clientele, particularly those involved in farming and rural life. This localized approach allows them to build strong relationships with their members and offer tailored solutions that resonate with the community's needs.


18. MMI Financial Group, Inc.

  • Website: mmifinancialgroup.com
  • Ownership type: Private
  • Headquarters: Owosso, Michigan, United States (USA)
  • Employee distribution: United States (USA) 68%, Ghana 32%
  • Founded year: 1989
  • Headcount: 1-10
  • LinkedIn: mmi-financial-group-inc.

MMI Financial Group, Inc., founded in 1989 and based in Owosso, Michigan, is a private financial services firm that offers a range of insurance and financial planning services. With a small team of dedicated professionals, the company emphasizes personalized service to help clients secure their financial futures. MMI Financial Group operates as a licensed independent insurance agency, focusing on health insurance products, including individual health plans, Medicare supplements, and group insurance for small businesses. Their approach is rooted in understanding the unique healthcare delivery systems in Michigan, allowing them to match clients with appropriate health insurance plans that align with local healthcare providers. The firm also provides financial services, including retirement planning and portfolio management, further enhancing their value proposition to clients. MMI Financial Group is committed to building long-term relationships with clients, ensuring they receive ongoing support and guidance in navigating their insurance and financial needs.


19. Ford Insurance Agency

  • Website: fordinsurance.net
  • Ownership type: Family Owned
  • Headquarters: Traverse City, Michigan, United States (USA)
  • Employee distribution: United States (USA) 91%, India 9%
  • Founded year: 1982
  • Headcount: 11-50
  • LinkedIn: ford-insurance-agency

Ford Insurance Agency, based in Traverse City, Michigan, has been serving the community since 1982. As a family-owned business, it prides itself on providing personalized service and tailored insurance solutions. The agency offers a wide range of insurance products, including personal, business, life, and health insurance. Their health insurance offerings include individual health insurance, health supplement insurance, Medicare, and group health plans. With a team of knowledgeable agents, Ford Insurance Agency aims to help clients navigate the complexities of insurance, ensuring they receive comprehensive coverage that meets their needs. The agency has built strong relationships with nearly 20 insurance carriers, allowing them to offer competitive options to their clients. Their commitment to community involvement and customer service has established them as a trusted resource in Northern Michigan.



Health Insurance Insights: Key Companies in Michigan


CompanyHeadquarterSizeFoundedOwnership
Health Alliance PlanDetroit, Michigan, United States (USA)501-10001960Private
MeridianDetroit, Michigan, United States (USA)1001-50001997Private
American Health PlansClinton, Michigan, United States (USA)11-502013Corporate
Cornerstone Benefits & InsuranceTroy, Michigan, United States (USA)1-101981Private
US Health and LifeSterling Heights, Michigan, United States (USA)51-2001997Private
Superior Health PlansMonroe, Michigan, United States (USA)51-2001997Private
National Health Plans & Benefits AgencyFraser, Michigan, United States (USA)51-2002012Corporate
ASR Health Benefits TPAGrand Rapids, Michigan, United States (USA)51-2001983Private Equity
Michigan PlannersWashington, Michigan, United States (USA)11-501962Family Owned
Wright Insurance GroupTraverse City, Michigan, United States (USA)1-101994Private
LifeSecure Insurance CompanyNew Hudson, Michigan, United States (USA)51-2002006Private
Automated Benefit Services, Inc.Sterling Heights, Michigan, United States (USA)201-5001997Private
Walton Insurance GroupJackson, Michigan, United States (USA)51-2001951Private
Altruis Benefit ConsultingBingham Farms, Michigan, United States (USA)11-502002Private
Farm Bureau Insurance of MichiganLansing, Michigan, United States (USA)1001-50001949Private
National Benefit PlansTroy, Michigan, United States (USA)51-2001998Private
The Mary Stucko Agency, Farm Bureau InsuranceMeridian Charter Township, Michigan, United States (USA)1-102008Private
MMI Financial Group, Inc.Owosso, Michigan, United States (USA)1-101989Private
Ford Insurance AgencyTraverse City, Michigan, United States (USA)11-501982Family Owned


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