From Detroit to Traverse City, from the UP to Ann Arbor — Great Lakes Coverage connects Michigan residents with licensed advisors who compare Blue Cross Blue Shield Michigan, Priority Health, HAP, McLaren, and every carrier available in your county. Built in Michigan. For Michigan.
The plan that works in Detroit may not work in Marquette. Here's what makes Michigan's insurance market unique — and how we navigate it.
Michigan expanded Medicaid in 2014. The Healthy Michigan Plan covers adults 19–64 earning up to 133% FPL. Michigan's expansion includes an innovative health risk assessment requirement that, when completed, reduces member copays. Over 700,000 Michiganders are enrolled. Our advisors verify Healthy Michigan eligibility before recommending marketplace plans — because if you qualify, it's almost always the best option.
BCBS Michigan is the state's largest insurer and has a contractual obligation to offer coverage in every Michigan county — a legal responsibility no other carrier shares. BCBS's Blue Care Network HMO and BlueShield PPO cover virtually every hospital in the state. For Michigan residents who want maximum network flexibility and confidence in out-of-pocket cost predictability, BCBS is often the anchor recommendation.
Priority Health, headquartered in Grand Rapids, has strong networks throughout West Michigan, central Michigan, and growing presence in Southeast Michigan. Tied to Corewell Health (formerly Spectrum Health and Beaumont), Priority Health is the natural choice for residents relying on Corewell-affiliated hospitals and specialists.
Michigan's Upper Peninsula is one of the most remote and medically underserved regions in the Midwest. Hospital access is limited, and carrier options are significantly fewer than in the Lower Peninsula. BCBS Michigan's universal obligation to serve every county provides a critical safety net. Our advisors have specific expertise in UP coverage navigation and telehealth-inclusive plan options that serve remote communities.
Every Michigan resident deserves an advisor who knows the local carriers, networks, and county-by-county plan availability. We compare them all.
HealthCare.gov marketplace plus off-exchange options. We compare every BCBS Michigan, Priority Health, and HAP plan available in your Michigan county side-by-side.
MIChild CHIP coordination, Healthy Michigan Plan eligibility, and full-family plan analysis. Built for Michigan families — from Dearborn to the UP.
Group health for 2–200 Michigan employees. BCBS group, Priority Health group, and HAP — built for Michigan businesses from Grand Rapids to Detroit.
Delta Dental of Michigan is the state's largest dental carrier — and we pair it with VSP and EyeMed for vision. Affordable Michigan-network stand-alone plans.
Critical illness, accident, and disability coverage — especially valuable for Michigan auto industry workers, construction trades, and self-employed Michiganders.
Layoff, buyout, or transition from Ford, GM, Stellantis, or a Tier-1 supplier? We compare COBRA vs. ACA marketplace pricing for Michigan auto workers — the math is often surprising.
From Dearborn auto workers to Ann Arbor professionals to Traverse City families.
“I took the Ford buyout package and was terrified about COBRA pricing. Great Lakes Coverage walked me through the ACA marketplace numbers and saved my family over $600/month on a comparable plan. Knew their stuff cold.”
Tony G.UAW Member (Ford retiree), Dearborn
“We do seasonal work up in Traverse City and our income fluctuates. Our advisor figured out exactly when to apply for the Healthy Michigan Plan and when marketplace subsidies made more sense. Kept us covered year-round.”
Sarah & Jim K.Seasonal Family, Traverse City
“Running a small dental practice in Ann Arbor, I needed group coverage that included U-M Health for my staff. Great Lakes Coverage compared four carriers in 48 hours and we enrolled the same week. Genuinely impressive service.”
Dr. Elena M.Self-Employed Dentist, Ann Arbor
Carrier availability, hospital affiliations, and plan pricing vary dramatically across Michigan. Our advisors know the regional differences cold.
Henry Ford Health, Detroit Medical Center, Beaumont/Corewell, and Ascension Michigan all have carrier affiliations that matter in plan selection. Detroit metro has the highest density of carrier competition in Michigan — and we know how to navigate it.
Corewell Health (formerly Spectrum/Beaumont) dominates West Michigan. Priority Health is the natural carrier match for Corewell-affiliated providers. BCBS Blue Care Network also runs strong throughout Kent and Ottawa counties.
McLaren Health Plan serves the Flint–Saginaw–Bay City corridor as an integrated insurer/hospital system. We help Central Michigan residents weigh McLaren's vertical-integration advantage against BCBS Michigan's broader network.
Michigan's Upper Peninsula is one of the most medically underserved regions in the Midwest. BCBS Michigan's universal county obligation is your safety net. We specialize in UP coverage navigation, telehealth-inclusive plans, and UP Health System (Marquette) / Aspirus (Ironwood) network verification.
Michigan-licensed advisors. Local carrier expertise. Zero pressure. Free service.
A quick 2-minute form: ZIP, household, monthly budget. We use your ZIP to pull every carrier available in your Michigan county — BCBS Michigan, Priority Health, HAP, McLaren, and more.
Your licensed Great Lakes Coverage advisor pulls every plan available in your county. Healthy Michigan Plan eligibility is checked first — then marketplace and off-exchange options, all in one comparison.
Side-by-side plan comparison: premiums, deductibles, networks, and whether your U-M, Henry Ford, Corewell, or McLaren providers are in-network. No jargon. No pressure.
Pick your plan; we handle the paperwork — including HealthCare.gov enrollment, Healthy Michigan Plan applications, or MIChild signup for the kids. Most clients are fully enrolled within 48 hours.
A few quick questions. A licensed Great Lakes Coverage advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
The most common questions we hear from Michiganders — answered in plain language by licensed Michigan advisors.
The Healthy Michigan Plan is Michigan's Medicaid expansion program. It covers adults ages 19–64 with household incomes up to 133% of the Federal Poverty Level (roughly $20,000 for a single adult, $41,400 for a family of four in 2025). Over 700,000 Michiganders are enrolled. The plan includes an innovative health risk assessment that, when completed, reduces member copays. Great Lakes Coverage screens every Michigan resident for Healthy Michigan eligibility before recommending marketplace plans — if you qualify, it's almost always your best option.
It depends on your county and your providers. BCBS Michigan offers coverage in every Michigan county (it's a legal obligation) and has the broadest hospital network statewide — including Henry Ford, DMC, McLaren, U-M Health, and Munson. Priority Health, headquartered in Grand Rapids, has the strongest West Michigan network and is tightly integrated with Corewell Health (formerly Spectrum/Beaumont). If you live in West Michigan and use Corewell providers, Priority Health is often the better fit. If you live anywhere in the UP or want maximum network flexibility, BCBS Michigan is typically the safer pick.
Yes. Michigan expanded Medicaid in April 2014 under the Healthy Michigan Plan. The expansion covers adults 19–64 earning up to 133% FPL who don't qualify for traditional Medicaid. Michigan's expansion is uniquely structured with a member-incentive system: completing a health risk assessment and engaging in healthy behaviors reduces your monthly cost-sharing. Over 700,000 Michigan residents are currently enrolled.
MIChild is Michigan's version of the Children's Health Insurance Program (CHIP). It covers uninsured children under 19 in families earning up to 217% of the Federal Poverty Level — roughly $67,500 for a family of four in 2025. MIChild has a flat $10/month premium per family (not per child) and includes medical, dental, vision, and mental health coverage. You can apply through MI Bridges (michigan.gov/mibridges) or — easier — let a Great Lakes Coverage advisor handle the application and coordinate it with your adult marketplace plan.
UP residents face the most limited carrier choices in Michigan. BCBS Michigan is the only carrier with a guaranteed presence in every UP county. UP Health System (Marquette area) and Aspirus (Ironwood/western UP) are the primary hospital systems. We strongly recommend prioritizing plans with strong telehealth coverage because specialist access is limited and travel distances are significant. Our advisors specialize in UP plan navigation — call us before assuming your options are limited to one carrier.
Michigan auto workers (Ford, GM, Stellantis, and Tier-1 suppliers) typically have three options after a layoff: (1) COBRA continuation of your employer plan — full premium plus 2% admin fee, usually $1,500–$3,000/month for family coverage; (2) ACA marketplace plans through HealthCare.gov with premium tax credits — often $200–$600/month for family coverage at typical UAW transition incomes; or (3) Healthy Michigan Plan if your household income drops below 133% FPL. The layoff triggers a 60-day Special Enrollment Period. Great Lakes Coverage runs the COBRA vs. ACA math for free — the marketplace usually wins by thousands per year.
Yes, but plan-by-plan. U-M Health is in-network with most BCBS Michigan plans, several Priority Health plans (especially in Washtenaw and surrounding counties), and select HAP plans. Some narrow-network marketplace plans exclude U-M Health to lower premiums. Before you enroll, our advisors verify U-M Health network status — including specific physicians and Michigan Medicine specialty clinics — so you're never surprised at the appointment desk.
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