Individual Health Insurance
We have Michigan health insurance company selections with the health insurance coverage requested most often for the individual and family.  Affordable health insurance does not have to be cheap health insurance! 

We also have A special student health insurance plan plus a special plan that allows the student to stay on the parents plan as long as he or she is a student.

Also select from the top rated health savings account plans (also known as a hsa plan), the low cost health insurance alternative to the traditional copay insurance plan.  HSA plans or health savings account plans are not just cheap health insurance, they are a very effective way to insure against the catastrophic loss. 

They were enacted into law and put into effect starting the first of January, 2004.  These plans replace the MSA plans that were only for the self employed or group.  The legislation was part of the recent Medicare Bill that added prescription benefits to medicare.. 

This plan allows anyone that is not eligible for medicare to have a hsa plan.  The advantage of such a plan is that it allows one to put money into as special savings account on a pretax basis as long as you have a qualified high deductible health insurance plan.  If you have such a plan then you are allowed to fund it (again, with pretax dollars) with an amount equal to the deductible you have chosen on an annual basis (limited to $3000 for an individual and $5950 for a family ). 

This savings account can be used to pay your deductible or other qualified medical expenses such as office calls, prescriptions, dental, eye care and glasses just to name a few.  This is not a use it or lose it plan like a "flex plan" offered by larger employers!  The money stays in the plan until you use it.  If you take it out for non medical reasons you will pay the tax on what you take out plus a 10% penalty. 

So, the bottom line is that you save money by buying a high deductible health plan and pay for the medical bills with money that has never been taxed, (this includes federal and state tax, social security, medicare tax and self employment tax if you are self employed) 

To get an idea of the significance of the savings for you, add these taxes up and I think you will be surprised at what it can save you.  Another big plus is that you decide what to pay for and what is important to you.  You make more of the decisions, not an insurance company!

I think as a general rule of thumb, when the government offers you a tax break you should take it or at least run it by your accountant.  However, don't be surprised if your accountant is not up on this latest development..  From personal experience I have found that unless you press the issue they will shrug it off.  If your accountant is not willing to find out the details then find another accountant.  You can also have them call me and I will direct them to the detailed information that they need.

We are located in Rochester Michigan and we service accounts mainly in the Detroit Metro area which includes Wayne, Macomb, Washtenaw, St. Clair, Oakland and Lapeer counties.  We provide not only affordable health insurance but 15 years of Michigan health insurance experience.