Michigan Health Insurance Plans

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Michigan Health Insurance

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Michigan Health Insurance

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Group Health Insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company, and often to the employees' family members, as a benefit of working for that company.

 

The Group Health premiums may, or may not  be off set in part by employee contributions.

 

Federal law mandates that no matter what pre-existing health conditions small employer group members may have, no small employer or an individual employee can be turned down by an insurance company for group coverage.

 

This requirement is known in the insurance industry as guaranteed issue.

 

In addition, each insurance company must renew its small employer health plan contracts every year, at the employer's discretion, unless there is non-payment of premium, the employer has committed fraud or intentional misrepresentation, or the employer has not complied with the terms of the health insurance contract.

 

Typically, Small Group Health Insurance consists of 2 to 50 employees, while Large Group Health Insurance consists of 51 employees and above.

 

Some States do allow a Small Group of One to qualify for guaranteed issue Group Health Insurance. You can check here, to see if your state does.

Group Health Insurance

Group Health Clients