From Detroit's auto and manufacturing floors to the Upper Peninsula's rural townships, from Grand Rapids to Ann Arbor to Lansing and Flint - Great Lakes Coverage connects Michigan residents with licensed advisors who compare Blue Cross Blue Shield Michigan, Priority Health, HAP, McLaren, and other carriers available in your county, and check Healthy Michigan Plan (Medicaid expansion) eligibility first. 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.
First names only. These are illustrative examples based on common Michigan situations, from Detroit manufacturing workers to Grand Rapids small business owners to Upper Peninsula families - not verified client endorsements.
“I took a buyout package from an auto supplier in Detroit and was worried about what COBRA would cost. Great Lakes Coverage walked me through the ACA marketplace options and helped me land on a plan that fit my new budget. Knew their stuff cold.”
TonyIllustrative example - Manufacturing worker, Detroit
“We do seasonal work up in the Upper Peninsula and our income moves around a lot. Our advisor helped us figure out when to apply for the Healthy Michigan Plan and when marketplace coverage made more sense. Kept us covered year-round.”
Sarah & JimIllustrative example - Seasonal family, Upper Peninsula
“Running a small dental practice in Grand Rapids, I needed group coverage for my staff that still worked with our local Corewell providers. Great Lakes Coverage compared several carriers and made the whole process easy to follow. Genuinely impressive service.”
ElenaIllustrative example - Small business owner, Grand Rapids
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. Many clients get through enrollment in just a couple of sessions with their advisor.
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 - the exact income cutoff is updated each year, so check the current figures at michigan.gov or with an advisor. A large number of Michiganders are enrolled. The plan includes a health risk assessment that, when completed, can reduce member copays. Great Lakes Coverage screens Michigan residents for Healthy Michigan eligibility before recommending marketplace plans - if you qualify, it's often 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% of the Federal Poverty Level who don't qualify for traditional Medicaid. Michigan's expansion uses a member-incentive system: completing a health risk assessment and engaging in healthy behaviors can reduce your monthly cost-sharing. A substantial number of 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 - the exact income cutoff is updated annually, so verify current figures with MI Bridges or an advisor. MIChild has historically used a low flat monthly 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.
Upper Peninsula residents typically see fewer carrier choices than the rest of Michigan. BCBS Michigan maintains coverage across UP counties, and UP Health System (Marquette area) and Aspirus (Ironwood/western UP) are among the primary hospital systems in the region. We generally recommend prioritizing plans with strong telehealth coverage, since specialist access can be limited and travel distances are often significant. Our advisors work with UP residents regularly - call before assuming your options are limited to a single carrier.
Michigan auto and manufacturing workers typically have a few options after a layoff: (1) COBRA continuation of your employer plan, which generally costs more than what you paid as an employee since you take on the full premium plus an admin fee; (2) ACA marketplace plans through HealthCare.gov, where premium tax credits can meaningfully lower the monthly cost depending on your household income; or (3) the Healthy Michigan Plan if your household income drops below 133% of the Federal Poverty Level. The layoff triggers a 60-day Special Enrollment Period. Great Lakes Coverage will walk through the COBRA vs. ACA math with you for free so you can see the actual numbers for your situation.
Often, but it depends on the plan. U-M Health is in-network with many BCBS Michigan plans, several Priority Health plans (especially in Washtenaw and surrounding counties, including Ann Arbor), and select HAP plans. Some narrow-network marketplace plans exclude U-M Health to lower premiums. Before you enroll, our advisors help verify U-M Health network status - including specific physicians and Michigan Medicine specialty clinics - so you're not surprised at the appointment desk.
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