On January 28, 2021, President Joe Biden signed an Executive Order to create a special enrollment period so Americans may obtain coverage
through the ACA Marketplace.
Community Health Centers: can provide health care services to uninsured Michiganders in need of care.
ACCESS Community Health & Research Center – (313) 216-2200
Medicaid: Families and individuals can apply for health care coverage through the Michigan Medicaid Program
New, lower costs on Marketplace coverage
You may be able to get more savings and lower costs on Marketplace health insurance coverage due to the American Rescue Plan Act of 2021. Under the new law:
- More people than ever before qualify for help paying for health coverage, even those who weren’t eligible in the past.
- Most people currently enrolled in a Marketplace plan may qualify for more tax credits.
- Health insurance premiums after these new savings will go down.
How to find out if you qualify for Marketplace savings
When you apply for Marketplace coverage, you’ll find out if you qualify for a premium tax credit that lowers your monthly premium.
The amount of your premium tax credit depends on the estimated household income for 2021 that you put on your Marketplace application.
Find out if your estimated 2021 income is in the range to qualify for a premium tax credit.
Enroll or change plans with the 2021 Special Enrollment Period through August 15
You have through August 15 to enroll in or change your Health Insurance Marketplace® plan due to the coronavirus disease 2019 (COVID-19) emergency.
APPLY & ENROLL
If you already have a Marketplace plan
If you have Marketplace coverage, including if you recently enrolled through the 2021 Special Enrollment Period:
- Log in to update your application and enrollment. Your new eligibility results will show you the extra tax credit amount.
- Update your plan selection with increased tax credits. If you qualify for more tax credit, reselect your current plan in order for the changes to take effect to lower your premiums for the rest of the year.
You can also wait until you file and “reconcile” your 2021 taxes next year (in 2022) to get the additional premium tax credit amount. But, we recommend you update your application and review your plan options during the 2021 Special Enrollment Period through August 15. You may be able to choose a plan with lower out-of-pocket costs for the same price or less than what you’re currently paying.
Preview 2021 health insurance plans & prices before you log in.
Changing plans — the deductible may reset
You can change Marketplace health coverage during the 2021 Special Enrollment Period through August 15.
But, it’s important to consider the new plan’s deductible — it’ll likely start over. If you change plans or add a new household member, any out-of-pocket costs you already paid on your current 2021 Marketplace plan probably won’t count towards your new deductible, even if you stay with the same insurance company.
Call your insurance company before changing plans or adding a new household member to find out if you’ll need to start over to meet your new plan’s deductible. If you have already paid a lot in out-of-pocket costs toward your deductible, check with your insurance company to see how it might impact you and what options are available to keep credit toward what you’ve already paid.
If your state doesn’t use HealthCare.gov
Visit your State Marketplace website or contact their Call Center for more information about when these additional savings will be available through your Marketplace.
Not sure which website your state uses? Select your state to find out.
If you get unemployment compensation
Later this year, you may be able to get another increase in premium tax credits. HealthCare.gov will have more information available in the summer once these additional savings are available to those who got unemployment compensation during 2021. At that time, you can come back to HealthCare.gov to update your application and current plan with more tax credits to lower your premiums for the rest of the year.
If you're eligible for COBRA
If you’re eligible for COBRA because of a reduction in the hours you work or you involuntarily lost your job, you may qualify for help paying for your COBRA premiums (called “premium assistance”) from April 1, 2021 through September 30, 2021 under the American Rescue Plan Act of 2021, based on how long your COBRA coverage can last. Generally, premium assistance means that you’ll have a $0 monthly premium. If you qualify, you should get a written notice of your eligibility for COBRA premium assistance from your former employer. If you didn’t get a letter and think you may qualify, check with your former employer or health insurance company.
Note: You can’t have both a Marketplace plan with premium tax credits and COBRA with premium assistance. If you’re eligible for both, you’ll have to choose.
To learn more about eligibility for COBRA premium assistance, visit the U.S. Department of Labor at DOL.gov.
Unemployed Michiganders may apply for unemployment insurance the Michigan Department of Labor and Economic Opportunity. Eligibility requirements for unemployment have been expanded by Congress—those that may not have previously qualified should review the updated eligibility requirements.
The American Rescue Plan authorized an extension of enhanced Pandemic Unemployment Assistance to September 4, 2021.
Michigan’s Unemployment Insurance Agency (UIA) is working on a phased approach to implement the recent Congressional action to extend federal unemployment benefit programs. Claimants who had benefit weeks remaining on their claim as of December 26, 2020, can now begin certifying their claims through their MiWAM account. Claimants who did not exhaust their original 13 weeks of PEUC or their original 39 weeks of PUA will be able to claim the balance of remaining weeks beginning with the week ending Jan. 2, 2021. Payments will include the additional $300 Federal Pandemic Unemployment Compensation (FPUC) benefit.
The American Rescue Plan Act of 2021 (ARP) allows small and midsize employers, and certain governmental employers, to claim refundable tax credits that reimburse them for the cost of providing paid sick and family leave to their employees due to COVID-19, including leave taken by employees to receive or recover from COVID-19 vaccinations. The ARP tax credits are available to eligible employers that pay sick and family leave for leave from April 1, 2021, through September 30, 2021. More information from the IRS can be found here.
The American Rescue Plan provided additional $1,400 survival checks per taxpayer ($1,200 married filing jointly), building on the $600 passed in previous legislation to deliver a total of $2,000 in direct relief to Americans.
The IRS has compiled a list of FAQs for reference. If you don’t see the answer you’re looking for, please call the IRS helpline at 800-919-9835.
Temporary food assistance for eligible low-income families and individuals is available from the U.S. Department of Agriculture. Michiganders can use MI Bridge to apply for assistance, check your eligibility, and manage your account online.
College students in Michigan are eligible for SNAP if they meet income and other program requirements and are enrolled at least half-time in an occupational program that leads to employment under the Strengthening Career and Technical Education for the Twenty-First Century Act.
Students will need to provide documentation from their school that outline their major and program or course of study to assist in determining their eligibility.
Students can apply for assistance using MI Bridge.
The Ann Arbor-based organization can provide Michiganders in need with hot meals or emergency groceries. Please visit their website for more information, or call (734) 761-2796.
More information on food assistance programs can be found by visiting the Michigan Department of Health and Human Services website.
Under the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 and the American Rescue Plan Act of 2021, FEMA is providing financial assistance for COVID-19 related funeral expenses incurred after January 20, 2020.
COVID-19 Funeral Assistance Line Number
Applications begin on April 12, 2021
844-684-6333 | TTY: 800-462-7585
Hours of Operation:
Monday - Friday
9 a.m. to 9 p.m. Eastern Time
Call this dedicated toll-free phone number to get a COVID-19 Funeral Assistance application completed with help from FEMA's representatives. Multilingual services will be available.
Get answers to frequently asked questions about the application process on our Funeral Assistance FAQ page.
If you use a relay service, such as your videophone, Innocaption or CapTel, please provide your specific number assigned to that service. It is important that FEMA is able to contact you, and you should be aware phone calls from FEMA may come from an unidentified number.
Who is Eligible?
To be eligible for funeral assistance, you must meet these conditions:
- The death must have occurred in the United States, including the U.S. territories, and the District of Columbia.
- The death certificate must indicate the death was attributed to COVID-19.
- The applicant must be a U.S. citizen, non-citizen national, or qualified alien who incurred funeral expenses after January 20, 2020.
- There is no requirement for the deceased person to have been a U.S. citizen, non-citizen national, or qualified alien.
If you had COVID-19 funeral expenses, we encourage you to keep and gather documentation. Types of information should include:
- An official death certificate that attributes the death directly or indirectly to COVID-19 and shows that the death occurred in the United States, including the U.S. territories, and the District of Columbia.
- Funeral expenses documents (receipts, funeral home contract, etc.) that includes the applicant’s name, the deceased person’s name, the amount of funeral expenses, and the dates the funeral expenses happened.
- Proof of funds received from other sources specifically for use toward funeral costs. We are not able to duplicate benefits received from burial or funeral insurance, financial assistance received from voluntary agencies, government agencies, or other sources.
How Funds are Received
If you are eligible for funeral assistance you will receive a check by mail, or funds by direct deposit, depending on which option you choose when you apply for assistance.