• Aetna
• Assurant
• Blue Cross and Blue Shield

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• HumanaOne
• UniCare

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Blue Cross and Blue Shield

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• Humana
• SecureHorizons by UnitedHealthcare
• Unicare Life & Health Ins. Company
• Universal American
• WellCare

Comapring Michigan Health Insurance Coverage to Other States

National Comparisons

The proportion of non-elderly people without health insurance ranges from a low of 9.6 percent in Minnesota to high of 26.8 percent in Texas, with Michigan having the 11th lowest rate of uninsured non-elderly residents in the nation.

The proportion of Americans with employer-based health insurance coverage ranges from a low of 52.5 percent in New Mexico to a high of 75.7 percent in New Hampshire, with Michigan having the 13th highest level of employer-based coverage in the nation. This high rate of employer-based coverage is one of the primary reasons for Michigan's low uninsured rate.

Nationally, the percentage of people covered by employer-based health insurance declined slightly between 2002-2004 and 2004-2006 from 64.4 percent to 62.7 percent. While still remaining above the national average, it also declined in Michigan from 71.5 percent to 69.2 percent during this same time period.

The proportion of people with individually purchased insurance ranges from a low of 3.7 percent in West Virginia to a high of 12.5 percent in North Dakota; Michigan ranks in the middle at 6.4 percent. The proportion of Michiganians and Americans who purchase individual policies remained constant between 2002-2004 and 2004-2006.

Premiums for individually purchased insurance policies generally are more expensive than other group policies and have grown increasingly expensive, According to the Kaiser Family Foundation September 2007 issue paper "Trends in Health Care Costs and Spending", health insurance premiums have consistently grown faster than inflation or workers earnings in recent years. Between 2002 and 2007, the cumulative growth in health insurance premiums was 78 percent, compared with cumulative inflation of 17 percent and cumulative wage growth of 19 percent.