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Zane Benefits Publishes New Information on the Michigan Health Insurance Exchange
Date:5/3/2013

13 for coverage starting January 1, 2014.

Michigan Health Insurance Exchange

According to Zane Benefits’ website, the Michigan Health Insurance Exchange will offer individuals, families and small businesses a new way to shop for health insurance. Beginning Oct. 1, 2013, Michigan residents will be able to shop for health insurance, compare plans and access any applicable tax credits to lower the cost of health insurance through the federally-run Marketplace. The SHOP Exchange will also be available to small businesses.

Approximately 1,145,500 or 14% of Michigan’s non-elderly residents are uninsured, of whom 1,072,509 (94%) may qualify for either tax credits to purchase coverage in the Marketplace or for Medicaid if Michigan participates in the Medicaid expansion.

History of Michigan Health Insurance Exchange

According to Zane Benefits’ website, originally Michigan was planning for a state-based or state-federal partnership exchange. Governor Rick Snyder supported the creation of MI Health Marketplace, a nonprofit to oversee the state’s health insurance exchange. However Governor Snyder acknowledged on November 16, 2012, that without authorizing legislation, he would plan for a state-federal partnership exchange. The state began moving in the direction of a partnership in August 2012 due to legislative opposition that left the state unable to meet the federal timetable for implementation. On March 5, 2013, Michigan received conditional approval from the U.S. Department of Health and Human Services (HHS) to establish a partnership exchange.

However, on March 21, 2013 the state Senate recessed without meeting a deadline to vote on accepting federal funds for the exchange causing Michigan to default to a federally-facilitated exchange.


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