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Everyone has different needs. That's why the family of Personal Health Plans has a variety of deductibles, coinsurance and copays.
You can select from four major medical plans for Michigan that will give you a dependable health plan tailored to fit your needs and budget.
If you would like assistance in selecting a Standard, Value, Short-term or HSA-compatible health plan for individuals in Michigan, please see How to Choose a Plan.
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Standard |
Health plans designed to meet your day-to-day medical needs; dependable coverage tailored to fit your needs and budget. |
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Value |
More economical alternative to the Standard plans; provide protection from catastrophic and unexpected healthcare emergencies, as well as coverage for medically necessary office visits. |
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HSA-compatible |
Quality Health Plans combined with the tax benefits and investment opportunities of an individual health savings account. |
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Short-term |
A six-month plan that gives you the flexibility of a short-term commitment. |
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All Personal Health Plans from Consumers Life are Preferred Provider Organization (PPO) health plans. |
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Choose between plans with different deductible levels. |
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Pick any doctor or hospital in the network. |
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Visit the doctor who's right for you - without a referral. |
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Fast claims process - most claims are paid on average in 5 days. | |
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Office visits. |
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Care for serious or chronic illness |
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Urgent care. |
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Outpatient/inpatient services. |
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Emergency care. |
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Prescription drug coverage. | |
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Below is a quick overview of the level of premiums and the types of healthcare insurance coverage that we offer. For more information select the name in the column.
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Single Deductible Level |
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| Plan types |
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500 |
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1000 |
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1200 |
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1500 |
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2000 |
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2500 |
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3000 |
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4000 |
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5000 |
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| Standard |
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• |
• |
N/A |
• |
N/A |
• |
N/A |
N/A |
• |
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| Value |
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• |
• |
N/A |
• |
N/A |
N/A |
N/A |
N/A |
N/A |
| HSA |
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N/A |
N/A |
• |
N/A |
• |
• |
• |
• |
• |
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| Short-term |
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• |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A | |
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| Legend |
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lower premium |
moderate premium |
higher premium |
not available |
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Family Deductible Level |
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| Plan types |
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1000 |
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2000 |
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2400 |
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3000 |
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4000 |
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5000 |
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6000 |
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8000 |
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10000 |
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| Standard |
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• |
• |
N/A |
• |
N/A |
• |
N/A |
N/A |
• |
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| Value |
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• |
• |
N/A |
• |
N/A |
N/A |
N/A |
N/A |
N/A |
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| HSA |
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N/A |
N/A |
• |
N/A |
• |
• |
• |
• |
• |
| Short-term |
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• |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A | |
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| Legend |
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lower premium |
moderate premium |
higher premium |
not available |
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Ready to apply?
| Call 800/338-5915 to enroll or learn more | | |
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