Health Insurance Marketplace Special Enrollment Period Underway


Governor Whitmer and Michigan Department of Insurance and Financial Services (DIFS) Director Anita Fox are encouraging Michiganders to reap the benefits of a latest Health Insurance Marketplace Special Enrollment Period (SEP) that now gives Michiganders the chance to enroll in free or low-cost medical insurance in 2022. 

“We all know that gaining access to quality, reasonably priced medical insurance improves overall health outcomes for Michiganders,” said Governor Whitmer. “Expanding access to high-quality, reasonably priced healthcare unites us. After I served within the Michigan Legislature, I worked across the aisle with a Republican governor to ascertain Healthy Michigan, expanding access to care to just about a million Michiganders. This latest enrollment opportunity will help more Michiganders find free or low-cost medical insurance, enabling them to guard themselves and their families while keeping more of their hard-earned dollars of their pockets.” 

“Many Michiganders now have free or low-cost medical insurance due to increased enrollment opportunities and the American Rescue Plan, but many 1000’s more remain uninsured despite being eligible for significant out of pocket savings,” said DIFS Director Fox. “Free local enrollment help is obtainable to aid you reap the benefits of this latest opportunity at It’s also possible to contact DIFS, Monday through Friday from 8 a.m. to five p.m., at 877-999-6442 for details about getting began.” 

The latest SEP went into effect last month and allows Michiganders the possibility to enroll in Marketplace health coverage even in the event that they don’t meet considered one of the traditional SEP qualifications. To qualify for the SEP, consumers will need to have a household income below 150% of the Federal Poverty Level (FPL), which is roughly $19,000 for a person and $40,000 for a family of 4. Michiganders at this income level can even qualify for an Advance Premium Tax Credit, which can make a Marketplace plan available to them at no- or low-cost. 

To find out SEP eligibility, go online to the Health Insurance Marketplace, available at, and either start a latest application or modify an existing one. Once the applying is accomplished and a plan is chosen, health coverage will begin on the primary day of the next month. For instance, if an application is accomplished and a health plan is chosen on April 22, coverage will begin on May 1.  

Because of this of the American Rescue Plan, a recent report by the Centers for Medicare and Medicaid Services showed that Michiganders are seeing a mean premium reduction of 45%, or greater than $71 monthly. This represents roughly $11.9 million in monthly savings for Michigan consumers. Nationwide greater than half of consumers have found coverage for $10 or less monthly on 

The last day to pick out a plan during this SEP is November 30, 2022, with coverage starting December 1, 2022.  

To review insurance options and enroll, visit the Health Insurance Marketplace at or call the Marketplace Call Center at 800-318-2596 (TTY: 1-855-889-4325). For more information on special enrollment periods, the 2022 Open Enrollment period that begins in November, and other ways to get covered, visit


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