Health Insurance
Quality Health Coverage for Michigan Individuals & Families
Navigating health insurance options can be overwhelming. We cut through the complexity and find a plan that fits your health needs and your budget.
Finding the Right Health Plan
Whether you're self-employed, between jobs, or your employer doesn't offer coverage, there are more options available than most people realize. We help individuals and families across Southeast Michigan compare ACA marketplace plans, short-term coverage, and group options to find the best fit.
Health Plan Options
ACA Marketplace Plans
Affordable Care Act plans available through the Michigan Health Insurance Marketplace. May qualify for premium tax credits based on your income.
Best for: Individuals, families, self-employed, those without employer coverage
Short-Term Health Plans
Temporary coverage for gaps between jobs, waiting periods, or other transitional situations. Lower premiums with more limited benefits.
Best for: Job transitions, recent graduates, coverage gaps
Dental & Vision Add-Ons
Standalone dental and vision plans to complement your health coverage. Often not included in standard health plans.
Best for: Families, seniors, anyone needing routine dental or vision care
Critical Illness & Supplemental
Pays a lump sum if you're diagnosed with a covered serious illness like cancer, heart attack, or stroke. Helps cover out-of-pocket costs your primary plan doesn't.
Best for: Anyone wanting financial protection against major illness
Our Health Insurance Process
Review Your Situation
We assess your income, family size, health needs, and current coverage gaps.
Check Subsidy Eligibility
We determine if you qualify for ACA premium tax credits or cost-sharing reductions.
Compare Plan Options
We compare deductibles, networks, premiums, and out-of-pocket maximums across carriers.
Enroll & Confirm Coverage
We handle the enrollment process and confirm your coverage is active and correct.
ACA Marketplace Plans
Easily find an affordable health plan
Compare ACA marketplace plans side by side and enroll online — guided by your licensed Michigan advisor.
Compare Health Plans at No Cost
Our services are free to you — we're compensated by the insurance carriers, not by charging you fees.
Get a Free QuoteHealth insurance products are subject to Michigan state regulations and federal ACA requirements. Eligibility for premium tax credits is determined by the federal marketplace based on income and household size. Detroit Insurance Services is licensed by the Michigan Department of Insurance and Financial Services (DIFS), License #0155446.