Employee Health Insurance
Employee health insurance in Michigan must accept all pre-existing medical conditions. Under the Michigan Small Group Reform Act, Michigan health insurance companies must adjust the rates for groups of two to fifty employees annually within a pre-determined range to spread out the risk among all insurance companies. As per the Federal HIPPA Act of 1996, groups of 20 or more employees must provide Michigan health insurance through the Cobra program to separated employees or dependents of employees if divorce or death occurs. Your health insurance policy cannot be canceled because of serious illnesses. Michigan health insurance companies must renew your policy as long as the premiums are paid to date.