Affordable Care Act

Family with mother, father, children, grandparents The Patient Protection and Affordable Care Act (PPACA), commonly called the Affordable Care Act (ACA) is a United States federal statute signed into law by President Barack Obama on March 23, 2010. It represents the most significant regulatory overhaul of the U.S. healthcare system since the passage of Medicare and Medicaid in 1965.

The ACA was enacted with the goals of increasing the quality and affordability of health insurance, lowering the uninsured rate by expanding public and private insurance coverage, and reducing the costs of healthcare for individuals and the government.

As of November 2016, approximately 20 million Americans have gained health insurance coverage under the ACA, and in Michigan, currently 622,000 people are enrolled in the Healthy Michigan Plan, which provides coverage to lower-income residents.

Health Insurance Marketplace The Health Insurance Marketplace is a federal website,, where those without affordable health insurance may learn about available insurance plans, and select coverage from a list of options. The Health Department is here to help you understand the Heatlh Insurance Marketplace, and also to help you get started with your enrollment. Even if you currently have insurance coverage, the Marketplace may offer an alternative, and we're here to help answer questions.

Visit for answers to your questions, or schedule an appointment with a Certified Healthcare Coverage Enrollment Assistor in your community (see Enrollment Sites below).

Call the Health Department at (800) 432-4121 for an appointment with one of our Certified Healthcare Coverage Enrollment Assistors, or for a referral to another agency in your community that can help.

NHP Premium Subsidy Plan

If you cannot afford the premiums for yourself and/or your dependents through your employer's insurance plan, you may qualify for special financial assistance from the Northern Health Plan. More information about the NHP Premium Subsidy Plan is available here.

To see if you qualify, contact Nichole Flickema at the Health Department of Northwest Michigan, (800) 432-4121.

Healthy Michigan Plan

On September 16, 2013, Governor Rick Snyder signed into law Michigan Public Act 107 of 2013, which directs the creation of the Healthy Michigan Plan. It covers people who are:

› Ages 19-64
Healthy Michigan Plan logo › Not currently enrolled in Medicaid or Medicare
› Within income criteria:
   › $16,146/year for 1 person
   › $21,892/year for family of 2
   › $27,637/year for family of 3
   › $33,383/year for family of 4
   › $39,129/year for family of 5
   › $44,874/year for family of 6
   › $50,620/year for family of 7
   › $56,365/year for family of 8

The Healthy Michigan Plan includes the following Essential Health Benefits:

› Doctor office visits and outpatient services
› Emergency services
› Hospitalization
› Home Help & Personal Care services
› Maternity and newborn care
› Mental health and substance abuse
› Prescription drugs
› Rehabilitative services
› Dental and vision
› Laboratory
› Preventive and wellness services and chronic disease management

Premiums for the Healthy Michigan Plan are different for each family, based on income. For some families coverage may be free, while others pay a small monthly amount.

To enroll, visit or call (855) 789-5610. If you have questions, or need help enrolling, call us at (800) 432-4121, or call one of the enrollment sites near you (listed below).

Enrolling in a Plan

Whether you're going to meet with an Certified Healthcare Coverage Enrollment Assistor or enroll by yourself online or over the phone, you'll need these items for yourself, and for each person in your household needing coverage when you're ready to enroll in the Health Insurance Marketplace or the Healthy Michigan Plan:

› Social Security Number
› Employer Name (if employed)
› Current Health Insurance Policy Numbers (if insured)
› Paycheck Stubs or W-2 Form
› Estimated Income for 2019

You'll also be asked if employer-provided health insurance is available to anyone in your household. Legal immigrants will need immigration document numbers.

Prior to applying for health coverage, call your primary care physician's office to find out which health insurance plans they accept.

Help with Enrollment

Healthcare Coverage Enrollment Assistors are available at all of the locations on this Michigan Enrollment Site List. CACs are trained to help you fill out the online application for enrollment. Some locations are also offering classes which may enable you to fill out the application on your own at home. Call for more information to find out exactly what services are being offered by the provider in your area.