Despite all the negative news stories about the Affordable Healthcare Act, otherwise known as Obamacare, there’s some good news for consumers.  Health care reforms work in favor of most Americans and you may be pleasantly surprised by what you find.

If you are under 26

If you are under age 26, you can now remain on your parents insurance company as a dependent. It doesn’t matter if you are married or even if you live always from you parents’ home. You must be accepted.  There is an additional premium each month, of course, but it’s an easy and usually affordable way to get Michigan health insurance.

Subsidies now exist in the form of tax credits that help you afford Michigan health insurance.  The requirements are fairly straightforward. You must be a U.S. citizen of legal resident.  You must purchase coverage through Michigan’s new health insurance Exchange or Marketplace.  If you are single, your income must be between $11,670 to $46,680 per year and if you are in a family of four it must fall within $23,850 and $95,400 a year.

Consumers who make less than $16,000 might find they are eligible for Medicaid. It is worth investigating in that it will cost less than almost any other plan.

Healthy Michigan

Michigan has expanded its Medicaid program in a program called Healthy Michigan so that more people are eligible. To find more information, go to. You can also apply online at a link on that website or by phone weekdays. It is another program by which residents can access affordable Michigan health insurance.

Be sure you have at your fingertips the Social Security numbers for everyone in your family who needs to be covered. You will also need information on the employer and wages of each person and information on job-related insurance that might be available to your family.  If you have a current health insurance plan, be sure to have the policy number on hand.  Having this data at your fingertips will make the process go more smoothly.

After you enroll in the program, your next step is to choose a specific health plan of the many that are offered by Healthy Michigan. A feel will be charged for health services you receive before you choose your health plan. After you settle on a plan there will be no copayments or premiums in the first six months.