You can purchase a HAP health plan for individuals and families through HAP or through the Health Insurance Marketplace. You can rest assured that all HAP plans, whether you join through HAP or through the Health Insurance Marketplace, will have the same high standards for coverage, quality and customer service.
The Health Insurance Marketplace – sometimes called an exchange – is where you can compare and select qualified health plans. You are able to shop online, by phone, or with the personal assistance of specially trained helpers called Navigators.
In Michigan, the Marketplace will be operated by the federal government and not by the state. To compare and shop for plans, visit www.healthcare.gov. There you'll also find answers to many of the most common questions about the Marketplace.
Licensed, specially trained health insurance agents can also guide you through the task of choosing coverage that meets your unique needs.
Specially trained individuals and groups called Navigators are available, in-person or by phone, to help you with the Health Insurance Marketplace application process and answer questions. They are paid by the government and cannot favor one health plan over another. Navigators can also help you understand your coverage options, which may include Medicaid or lower cost options through the Health Insurance Marketplace. Groups eligible to act as Navigators include: unions, tribal organizations, church groups and chambers of commerce. At least one group in every state must be a consumer-oriented nonprofit. Another category of helpers, called "Certified Application Counselors," can help consumers with the application process at community health centers, hospitals, social service agencies and similar institutions.
