Top 20 Individual Health Insurance Companies in Michigan
Top 20 Individual Health Insurance Companies in Michigan
The individual health insurance sector in Michigan comprises companies offering a variety of plans tailored to consumers and families. These businesses range from large corporations with nationwide services to smaller, locally focused agencies. They provide crucial coverage options like major medical, health supplements, and specialized life insurance. As the healthcare landscape evolves, more companies are adopting technology to enhance user experiences, ushering in a trend towards personalized options. This industry continues to adapt, catering to the unique needs of Michigan residents amidst changing regulations and consumer demands.
This selection features companies varying in size from small agencies to larger organizations, with headquarters spread across Michigan cities like Detroit and Lansing. Founded between 1945 and 2020, these companies specialize in individual health insurance offerings, ranging from Medicare plans to supplemental options. Many have deep ties to local communities and tailored programs that reflect the unique needs of families and individuals alike.
Continue reading to explore the top individual health insurance companies in Michigan.
Top 20 Individual 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 private health insurance provider based in Detroit, Michigan, with a workforce of over 1,000 employees. Established in 1960, HAP has been dedicated to offering a variety of health insurance products, including individual plans and Medicare Advantage options. The company serves both consumers and businesses, providing essential health coverage and resources aimed at managing healthcare costs effectively. HAP's offerings include Medicare Advantage plans, Medicare Supplement plans, and employer-sponsored insurance, reflecting its commitment to meeting the healthcare needs of its members. The company emphasizes member support through various health programs, prescription drug coverage, and wellness initiatives, positioning itself as a reliable option for individuals seeking health insurance solutions.
2. 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 specializes in offering affordable health insurance solutions for individuals, families, and small businesses. Since its inception in 2013, the company has focused on delivering quality insurance products, including major medical, short-term, and supplemental insurance. They emphasize excellent customer service, aiming to simplify the often complicated insurance process for their clients. American Health Plans is contracted with various major insurance companies, allowing them to shop for the best plans tailored to their clients' needs. Their agents are equipped with the resources and experience necessary to assist clients in navigating their options effectively. The company operates entirely within the United States and has a small team of dedicated employees, which allows for personalized service. They have not reported any funding, indicating a self-sustained operational model.
3. 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 a private insurance agency that has been serving clients since its establishment in 1997. With a workforce of approximately 165 employees, the company specializes in providing a variety of health and life insurance products tailored to individuals, families, and businesses. Their extensive experience in the industry allows them to navigate the complexities of insurance options effectively. Superior Health Plans prides itself on its customer-centric approach, guiding clients through the application process and offering ongoing support for policy management. They represent a range of top insurance companies, ensuring that clients have access to competitive coverage options. The agency's commitment to adapting to industry changes and leveraging technology for customer convenience further underscores its relevance in the health insurance sector.
4. Cornerstone Benefits & Insurance
- Website: cornerstonebenefits.com
- Ownership type: Private
- Headquarters: Troy, Michigan, United States (USA)
- Founded year: 1981
- Headcount: 1-10
- LinkedIn: cornerstone-benefits
Cornerstone Benefits & Insurance, based in Troy, Michigan, is a private insurance agency that has been serving clients since 1981. The company specializes in providing a variety of health insurance products, including medical, dental, vision, and travel insurance. They cater to individuals, families, and sole proprietors, helping them find suitable plans that fit their needs and budgets. Cornerstone also offers services related to benefits administration and compliance with healthcare regulations, particularly the Affordable Care Act (ACA). Their approach includes leveraging technology to enhance service delivery, positioning them as a modern player in the insurance industry. With a small team of around 16 employees, Cornerstone maintains a personalized touch in their client interactions, which can be appealing to those seeking tailored insurance solutions.
5. 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), based in Fraser, Michigan, is a corporate entity that specializes in health insurance. Established in 2012, NHPBA offers a range of products tailored to meet the needs of individuals and families. Their portfolio includes HealthShare plans, Supplemental Health insurance, Medicare options, and Life Insurance. The company prides itself on providing agents with the necessary tools and support to effectively sell these products, thereby enhancing the overall customer experience. With a workforce of 51-200 employees, NHPBA operates exclusively in the United States, focusing on delivering comprehensive health coverage solutions. Their commitment to agent empowerment and customer service has contributed to their growth, making them a notable player in the health insurance sector.
6. 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 team of approximately 45 employees, the company specializes in providing a wide array of insurance services, including health insurance, retirement planning, and life insurance. They cater to both businesses and individuals, helping clients navigate the complexities of healthcare coverage and retirement readiness. Michigan Planners offers health insurance solutions for individuals under age 65, as well as Medicare options for those aged 65 and older. Their commitment to client education and personalized service is evident in their extensive resources, including webinars and a client portal. The agency operates multiple locations across Michigan, ensuring they can meet the needs of clients in various regions. Their focus on employee benefits and retirement services further solidifies their role in the insurance industry, making them a notable entity in the market.
7. 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 aims to deliver comprehensive healthcare coverage, including pharmacy services and various health resources, ensuring that its members have access to necessary medical care. The company emphasizes managed care services, which assist consumers in navigating their healthcare needs effectively. With a workforce of over 1,300 employees, Meridian is a significant player in its niche, focusing on the intersection of Medicare and Medicaid services. The company is part of Centene Corporation, which enhances its operational capabilities and resources in the healthcare sector.
8. Farm Bureau Insurance of Michigan
- Website: farmbureauinsurance.com
- Ownership type: Private
- Headquarters: Lansing, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1949
- Headcount: 1001-5000
- LinkedIn: farm-bureau-insurance-of-michigan
Farm Bureau Insurance of Michigan, established in 1949, operates as part of the Michigan Farm Bureau Family of Companies. Based in Lansing, Michigan, the company provides a wide array of insurance products, including auto, home, life, health, business, and farm insurance. It primarily serves individuals, families, and businesses, aiming to deliver essential coverage that protects against various risks. The company emphasizes its commitment to the agricultural community, offering specialized products tailored to farmers and rural residents. Their health insurance offerings include individual and family plans, employer group plans, and Medicare options, reflecting their involvement in the health insurance sector. The company has a significant workforce, with over 1,300 employees, and maintains a strong presence in Michigan, focusing on delivering peace of mind through comprehensive insurance solutions.
9. 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 that specializes in a variety of health-related insurance products. The company offers accident, critical illness, hospital indemnity, and long-term care insurance, catering to both individual consumers and businesses. LifeSecure aims to help customers manage health-related financial risks through innovative and accessible insurance solutions. With a national presence, the company is licensed in the District of Columbia and all states except Florida and New York. LifeSecure emphasizes a customer-centric approach, focusing on straightforward plan designs and outstanding service, which is crucial in an industry often perceived as complex and confusing.
10. 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 providing a wide array of insurance products, including individual and group health insurance, Medicare supplements, and life insurance. NBP serves individuals, families, and small businesses, assisting them in understanding their health insurance options and finding suitable coverage. With a team of experienced agents located throughout the United States, NBP emphasizes personalized service and client education. They have built strong partnerships with major insurance carriers, enabling them to offer competitive plans that meet the unique needs of their clients. NBP is also committed to community involvement, with staff and agents participating in local volunteer efforts and initiatives to improve quality of life. Their focus on client satisfaction is reflected in numerous positive testimonials from customers who appreciate their guidance in navigating the often complex health insurance landscape.
11. 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 an 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. The agency emphasizes community involvement and customer satisfaction, which has contributed to its longstanding presence in the industry. Walton Insurance Group also offers employer health benefits, Medicare options, and individual health plans, showcasing their commitment to health insurance. Their recent partnership with Keystone Agency Partners (KAP) aims to enhance their service offerings and operational capabilities, further solidifying their position in the insurance market.
12. The Mary Stucko Agency, Farm Bureau Insurance
- Website: fbinsmi.com
- Ownership type: Private
- Headquarters: Meridian Charter Township, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 2008
- Headcount: 1-10
- LinkedIn: the-mary-stucko-agency-farm-bureau-insurance
The Mary Stucko Agency, part of the Michigan Farm Bureau Family of Companies, operates as a private insurance provider based in Meridian Charter Township, Michigan. Founded in 2008, the agency offers a wide array of insurance products, including auto, home, life, health, business, and farm insurance. Their primary focus is on serving individuals, families, businesses, and the agricultural community within Michigan. The agency emphasizes understanding the unique needs of its members, particularly those involved in farming and rural life. They provide essential coverage options to help manage risks and protect assets, while also engaging in community initiatives that support local agriculture and rural development. The agency's health insurance offerings include individual and family plans, employer group plans, and Medicare options, reflecting their commitment to addressing the healthcare needs of their clientele.
13. 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 specializes in insurance and financial planning. The company serves individuals, families, and small businesses primarily in Michigan, emphasizing personalized service to help clients secure their financial futures. As a licensed independent insurance agency, MMI Financial Group focuses on providing tailored health insurance solutions, including health insurance plans, Medicare supplement insurance, and various other individual insurance products. Their team of experienced professionals works closely with clients to navigate the complexities of the healthcare system, ensuring that they find the right insurance coverage that aligns with their healthcare providers and needs. MMI Financial Group also offers a range of financial services, including retirement planning and portfolio management, further solidifying their role in the financial well-being of their clients. With a small team of dedicated staff, they pride themselves on proactive client service and community involvement, making them a trusted resource for insurance and financial planning in their region.
14. 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 a family-owned business since its founding in 1982. With a team of 35 employees, the agency specializes in a wide array of insurance products, including personal, business, life, and health insurance. They pride themselves on providing tailored insurance solutions that help clients manage risks and protect their assets. The agency serves both individual consumers and businesses, emphasizing a personal touch in their service. Their health insurance offerings include individual health insurance, health supplement insurance, and Medicare, showcasing their involvement in the health insurance sector. As a Trusted Choice® Independent Insurance Agent, Ford Insurance Agency collaborates with nearly 20 insurance carriers, allowing them to offer a variety of options to their clients. Their commitment to community engagement and customer satisfaction is evident in their operations, making them a notable player in the local insurance market.
15. TDA Insurance & Financial Agency LLC
- Website: tdanow.com
- Ownership type: Family Owned
- Headquarters: Walled Lake, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1996
- Headcount: 11-50
- LinkedIn: tda-insurance-%26-financial
TDA Insurance & Financial Agency LLC, founded in 1996 and located in Walled Lake, Michigan, is a family-owned insurance agency that specializes in a variety of insurance products, including health, life, commercial, and personal insurance. With a team of 11 to 50 employees, the agency prides itself on delivering personalized service to both individual consumers and businesses. Their independent status allows them to access multiple insurance carriers, enabling them to find the best coverage options tailored to their clients' needs. TDA Insurance emphasizes a customer-centric approach, aiming to simplify the insurance process and save clients time and money. They are committed to building long-term relationships with their clients and providing solutions that protect and grow their assets. The agency operates exclusively within Michigan, focusing on local clients and their specific insurance needs.
16. Mason Insurance Agency, Inc
- Website: masoninsurance.com
- Ownership type: Private
- Headquarters: Mason, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1946
- Headcount: 11-50
- LinkedIn: mason-insurance-agency-inc
Mason Insurance Agency, Inc., based in Mason, Michigan, has been serving the community since 1946. This privately-owned insurance agency specializes in a variety of insurance products, including health insurance, auto insurance, home insurance, and life insurance. With a team of 20 employees, they connect clients with over 15 different insurance providers to secure the best rates and coverage options tailored to individual needs. Their independent agency model allows them to navigate the insurance market effectively, ensuring that both individual consumers and businesses receive comprehensive coverage. The agency is dedicated to protecting clients against financial risks and has established a reputation for reliability and customer service in the Greater Lansing area.
17. Shoreline Insurance Agency, Inc.
- Website: shorelineagency.com
- Ownership type: Private
- Headquarters: Muskegon, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1976
- Headcount: 11-50
- LinkedIn: shoreline-insurance-agency-inc-
Shoreline Insurance Agency, Inc., based in Muskegon, Michigan, has been serving the insurance needs of West Michigan since its founding in 1976. With a team of 28 employees, the agency specializes in a wide array of insurance products, including personal, business, life, and health insurance. Their health insurance offerings include individual health plans, major medical coverage, and short-term medical options, catering to both individual consumers and businesses. The agency prides itself on providing personalized service and expert guidance to help clients navigate the complexities of insurance coverage. Shoreline Insurance Agency represents several reputable insurance companies, including Blue Cross and Priority Health, which enhances their ability to offer competitive health insurance solutions. Their commitment to customer relationships and exceptional claims service further underscores their role in the insurance industry.
18. Nulty Insurance
- Website: nulty.com
- Ownership type: Family Owned
- Headquarters: Kalamazoo, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1945
- Headcount: 51-200
- LinkedIn: nulty-insurance
Nulty Insurance, established in 1945, is a family-owned insurance agency based in Kalamazoo, Michigan. With a workforce of around 66 employees, the agency has built a reputation for providing a wide array of insurance solutions, including personal, business, and employee benefits insurance. Nulty Insurance serves both individual consumers and businesses, helping them navigate risks associated with health, property, and liability. The agency prides itself on personalized service, offering clients multiple options from top-rated national and regional insurance carriers. Their commitment to understanding client needs and delivering tailored solutions has allowed them to maintain a strong presence in the insurance industry for decades. Nulty Insurance also actively engages in community involvement and partnerships, enhancing its service offerings and client relationships.
19. InPro Insurance Group, Inc.
- Website: inproagent.com
- Ownership type: Corporate
- Headquarters: Troy, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Latest funding: December 2019
- Founded year: 1973
- Headcount: 11-50
- LinkedIn: inpro-insurance-group-inc.
InPro Insurance Group, Inc., based in Troy, Michigan, has been serving clients since 1973. This independent insurance agency provides a comprehensive suite of insurance products, including business, personal, and life and health insurance. With a team of licensed professionals, InPro focuses on helping both individuals and businesses navigate the complexities of insurance. They emphasize customer service and have developed strong relationships with various top-rated insurance carriers, allowing them to offer tailored solutions to meet client needs. Their commitment to education and professional development among their associates enhances their ability to provide informed advice. InPro's involvement in the insurance industry spans multiple sectors, and they have crafted specialized programs for various industries, showcasing their adaptability and expertise. They have not reported any funding, indicating they operate independently without external financial backing.
20. Hemlock Insurance Group
- Website: hemlockins.com
- Ownership type: Private
- Headquarters: Whitmore Lake, Michigan, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 2020
- Headcount: 11-50
- LinkedIn: hemlock-insurance-group
Hemlock Insurance Group is a family-owned, independent insurance agency based in Whitmore Lake, Michigan. Founded in 2020, the company has quickly established itself in the insurance sector, boasting a team with over 85 years of combined industry experience. Hemlock Insurance Group provides a variety of insurance services, including auto, home, commercial, life, and health insurance. They cater to both individual consumers and businesses, helping clients navigate the complexities of insurance to find suitable coverage options. The agency emphasizes customer service and aims to support clients in managing their insurance needs effectively. They are licensed throughout the Midwest and work with numerous national and regional carriers, allowing them to offer a wide range of coverage options. Their health insurance services include individual and group plans, with a particular focus on Medicare, where they assist clients in understanding their options among various plans available in Michigan.
Individual Health Insurance Insights: Key Companies in Michigan
Company | Headquarter | Size | Founded | Ownership |
---|---|---|---|---|
Health Alliance Plan | Detroit, Michigan, United States (USA) | 501-1000 | 1960 | Private |
American Health Plans | Clinton, Michigan, United States (USA) | 11-50 | 2013 | Corporate |
Superior Health Plans | Monroe, Michigan, United States (USA) | 51-200 | 1997 | Private |
Cornerstone Benefits & Insurance | Troy, Michigan, United States (USA) | 1-10 | 1981 | Private |
National Health Plans & Benefits Agency | Fraser, Michigan, United States (USA) | 51-200 | 2012 | Corporate |
Michigan Planners | Washington, Michigan, United States (USA) | 11-50 | 1962 | Family Owned |
Meridian | Detroit, Michigan, United States (USA) | 1001-5000 | 1997 | Private |
Farm Bureau Insurance of Michigan | Lansing, Michigan, United States (USA) | 1001-5000 | 1949 | Private |
LifeSecure Insurance Company | New Hudson, Michigan, United States (USA) | 51-200 | 2006 | Private |
National Benefit Plans | Troy, Michigan, United States (USA) | 51-200 | 1998 | Private |
Walton Insurance Group | Jackson, Michigan, United States (USA) | 51-200 | 1951 | Private |
The Mary Stucko Agency, Farm Bureau Insurance | Meridian Charter Township, Michigan, United States (USA) | 1-10 | 2008 | Private |
MMI Financial Group, Inc. | Owosso, Michigan, United States (USA) | 1-10 | 1989 | Private |
Ford Insurance Agency | Traverse City, Michigan, United States (USA) | 11-50 | 1982 | Family Owned |
TDA Insurance & Financial Agency LLC | Walled Lake, Michigan, United States (USA) | 11-50 | 1996 | Family Owned |
Mason Insurance Agency, Inc | Mason, Michigan, United States (USA) | 11-50 | 1946 | Private |
Shoreline Insurance Agency, Inc. | Muskegon, Michigan, United States (USA) | 11-50 | 1976 | Private |
Nulty Insurance | Kalamazoo, Michigan, United States (USA) | 51-200 | 1945 | Family Owned |
InPro Insurance Group, Inc. | Troy, Michigan, United States (USA) | 11-50 | 1973 | Corporate |
Hemlock Insurance Group | Whitmore Lake, Michigan, United States (USA) | 11-50 | 2020 | Private |
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