Small-group health insurance in Michigan: the rules
What Michigan law means for a small business offering health insurance, in plain words.
The rules
- Small-group plans are for businesses with 1 to 50 employees.
- Prices depend on age (an older employee can cost up to three times a 21-year-old) and on the business's pricing region; Michigan has 16.
- Carriers may charge tobacco users more.
- Carriers set how many employees must enroll, within limits set by state law; the limits are waived every year from November 15 to December 15.
- Michigan has no state law extending coverage for people who leave a business too small for federal COBRA (under 20 employees).
Summarized from state law and regulator guidance; your agent can confirm how it applies to your business.
More guides
- How group plans work
What you decide as the owner, where prices come from, enrollment minimums, renewals and the rules in your state. - Metal levels and plan types
Bronze, Silver, Gold and Platinum; deductibles and out-of-pocket maximums; HMO, PPO and EPO networks; and level-funded plans. - ICHRA in brief
How an ICHRA allowance works: capped cost, classes, the affordability test and what it takes to set one up. - How DwellZip works
From adding your business to choosing a plan: how DwellZip helps small businesses compare health coverage. - Key dates
The dates that matter: coverage start dates, the November 15 to December 15 window, January 1 rate changes and ICHRA notice deadlines.