Michigan short-term health insurance
Short-term and TriTerm plans in Michigan: what the state allows, how long they can last, and what they do not do.
Need coverage in between?
Call and we will go over what is offered in Michigan and what it does and does not cover.
What Michigan allows
| Starting length (one plan) | 185 days |
|---|---|
| Longest total, with renewals | 185 days in any 365-day period |
| 3-year (“TriTerm”) plan | No |
Michigan's insurance department confirmed in 2025 that state limits apply regardless of federal enforcement.
Rules as of October 2026. Short-term rules change, and companies often sell shorter plans than the law allows. Check with the Michigan Department of Insurance and Financial Services (DIFS) for the current rule.
What short-term plans are, and are not
- They are not ACA plans. They can ask health questions and turn an application down.
- They usually do not cover conditions you already have, and may leave out maternity, mental health, prescriptions or preventive care.
- They are not required to cover essential health benefits, and often have a maximum payout.
- They can start quickly, often within days, and you can apply any time of year.
- When one ends, that alone does not open an ACA enrollment period. Plan your next step early.
Before you choose one
Check first whether you qualify for help with an ACA plan on HealthCare.gov (federal Marketplace), or for Medicaid, or for coverage through an employer or a spouse. Those can be the stronger choice, especially if you have an ongoing condition. A short-term plan can still make sense if you need coverage now, are between jobs, or missed open enrollment.
Questions about short-term plans in Michigan?
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Questions
Is short-term insurance real health insurance?
It is real coverage for what it covers, up to its limits, but it is not an ACA plan. It can decline you, usually excludes pre-existing conditions, and may not cover things like maternity or preventive care.
Does it count as coverage under the ACA?
No. Short-term plans are not minimum essential coverage, so they do not replace ACA coverage, and when one ends it does not by itself open a special enrollment period.
Who can tell me what is allowed in Michigan?
Michigan Department of Insurance and Financial Services (DIFS) regulates insurance in Michigan (https://www.michigan.gov/difs/consumers/insurance/health-insurance).
Do I have to enroll if I call?
No. A call is a conversation about your options.
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.