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810-230-1266
Location
2357 Stonebridge Dr. Flint, MI 48532

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Health Insurance Plans

Home > Health Insurance Plans

Health Insurance

No coverage through work? Let's find the right plan.

Marketplace plans, deductibles, networks and tax credits can be a lot to sort out alone. We compare plans from Michigan carriers and show you which one fits your doctors and budget, at no cost to you.

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Self-employed or a 1099 worker?

Coverage On Your Own

Individual and family plans you choose and keep, no matter who you work for next.

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Between jobs or retiring before 65?

Bridge to What's Next

Losing work coverage opens a 60-day window to enroll. We’ll compare a new plan with COBRA.

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Turning 26 or starting out?

Your First Own Plan

Aging off a parent’s plan is a qualifying event, and many young adults qualify for help paying.

Learn More →

2027 Open Enrollment

Mark these dates on your calendar

Outside these dates, you can only enroll after a qualifying life change, so it pays to plan ahead.

Nov 1

Open Enrollment begins

Shop and enroll in a Marketplace plan for 2027.

Dec 15

Deadline for January 1

Enroll by this date for coverage that starts January 1.

Jan 15

Last day to enroll

Coverage starts February 1 if you enroll after December 15.

60 days

After a life change

Losing coverage, moving, marriage or a new baby opens a Special Enrollment Period.

Quick Check

Could you get help paying for coverage?

Help with premiums depends on your household size and income. Enter yours to see where you stand for 2027.

Your household
Your income is about
0%
of the federal poverty level

See your real options →

An estimate only, based on 2026 federal poverty guidelines used for 2027 coverage. Eligibility also depends on things like access to affordable work coverage and immigration status.

Plan Levels

Bronze, Silver, Gold: what's the difference?

Every level covers the same benefits. What changes is how you split the cost: more in premiums, or more when you get care.

Bronze

Plan pays about 60%

Lowest premium, highest costs when you get care. Good if you rarely see a doctor.

Silver

Plan pays about 70%

The middle ground, and the only tier with extra savings for lower incomes.

Gold

Plan pays about 80%

Higher premium, lower deductibles and copays. Good if you use care often.

Platinum

Plan pays about 90%

Highest premium, lowest costs at the doctor. Not offered in every area.

Percentages are the average share of covered costs the plan pays for a typical person. For 2027, no ACA plan can make you pay more than $12,000 for one person or $24,000 for a family in network in a year.

What's Covered

Every ACA plan covers these 10 essentials

Marketplace plans are full major medical coverage. They can’t turn you down or charge you more for a pre-existing condition, and there’s no yearly or lifetime limit on these essential benefits.

Looking for lower-cost short-term coverage? See Supplemental Health →
  • Doctor visits and outpatient care
  • Emergency services
  • Hospital stays
  • Pregnancy, maternity and newborn care
  • Mental health and substance use care
  • Prescription drugs
  • Rehab services and devices
  • Lab tests
  • Preventive care and chronic disease management
  • Children's care, including dental and vision

Leaving a Job?

Marketplace, COBRA or short-term: which fits?

When work coverage ends, you have options. The right one depends on your health, your budget and how long you need it.

Compare
Marketplace Plan
COBRA
Short-Term Plan
Pre-existing conditions
Marketplace PlanAlways covered
COBRACovered, same as your work plan
Short-Term PlanUsually not covered
Help paying
Marketplace PlanTax credits based on income
COBRANone. You pay the full cost plus a fee
Short-Term PlanNone
How long it lasts
Marketplace PlanAll year, renewable each year
COBRAUsually up to 18 months
Short-Term PlanUp to 185 days in Michigan
Monthly cost
Marketplace PlanVaries; often lower with a tax credit
COBRAOften the highest
Short-Term PlanUsually the lowest
Best for
Marketplace PlanMost people who need their own coverage
COBRAMid-treatment, or a big deductible already met
Short-Term PlanA short, healthy gap between plans

Questions

What people ask us about health insurance

Yes, if you have a qualifying life event, such as losing health coverage, moving, getting married, having a baby or aging off a parent’s plan at 26. You usually have 60 days from the event to enroll.

Report it to the Marketplace right away. Your tax credit is based on your estimated income, and starting with 2026 taxes, there’s no cap on paying back extra credit if you earned more than you estimated.

Not federally, and Michigan doesn’t have its own. But going without coverage means paying the full cost of any care you need.

It depends on the plan’s network. HMOs and EPOs use a set network, while PPOs let you go out of network at a higher cost. We’ll check your doctors before you pick a plan.

They’re not insurance. Members share costs, but payment isn’t guaranteed, and they don’t have to cover pre-existing conditions or follow ACA rules. Ask us how they compare before you join one.

No. Plan prices are the same whether you enroll through us or on your own, and our help is free.

Other Ways We Can Help

More coverage for you and your family

Need a dentist or new glasses?

Dental & Vision

Plans for every age, including seniors up to 84.

Learn More →

Worried about big bills?

Supplemental Health

Cash plans for accidents, illness and hospital stays.

Learn More →

Turning 65 soon?

Medicare Plans

Advantage, Supplements and Part D, compared for you.

Learn More →
2027 Open Enrollment · Nov 1 – Jan 15

Health coverage that fits your life and your budget.

We’ll check your doctors and prescriptions, see what help you qualify for and compare plans side by side, so you can choose with confidence. In-person or virtual.

  • Free plan comparison
  • Tax credit help
  • Year-round support
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Prefer to call?
810-230-1266
Sources

Dates and figures are for 2027 coverage and are updated each year. The quick check is an estimate, not a determination of eligibility. Security First Benefits Corporation is a licensed insurance agency, and this is a solicitation of insurance.

  • Aetna
  • Allianz
  • Blue Cross Blue Shield of Michigan
  • Delta Dental
  • Everence Trust Life
  • HAP
  • Humana
  • McLaren Health Plan
  • North American
  • Priority Health
  • UnitedHealthcare
  • VSP

Our Office

Security First Benefits Corporation

2357 Stonebridge Dr.
Flint, MI 48532

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Have a question? We're here to help.

“Send us a note about your coverage, your employees or your options, and a licensed advisor will get back to you.
We do not offer every plan available in your area. Currently we represent [#] organizations which offer [#] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

© 2026 Security First Benefits Corporation. All rights reserved.

GENERAL DISCLAIMER:

 
Security First Benefits Corporation is a licensed insurance agency authorized to market Medicare plans. This is a solicitation for insurance, and a licensed agent may contact you after you request a quote. Benefit information is a brief summary, not a full description of benefits; contact the plan for details. Limitations, copayments and restrictions may apply. Security First Benefits Corporation is not connected with or endorsed by the U.S. government or the federal Medicare program.

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