Discover plans that prioritize your health and budget. Let us guide you every step of the way.
Give us a call at (810) 984-1373
Open Enrollment 2025
Compare coverage and obtain your insurance plan through Grant Smith Health Insurance Agency.
Open Enrollment ends on January 15th, 2025 — Get started today!
Understanding Health Insurance Plan Tiers
Choosing the right health insurance plan is crucial for balancing your monthly budget and coverage needs. Plans are grouped into tiers—Bronze, Silver, and Gold—each offering different levels of premiums and benefits:
- Bronze: Ideal for those seeking the lowest monthly premium but willing to cover higher out-of-pocket costs when care is needed.
- Silver: Offers a balance of moderate monthly premiums and coverage, making it a popular choice for many.
- Gold: Provides the highest level of coverage with a higher monthly premium, ensuring more benefits and lower out-of-pocket expenses.
Evaluate your healthcare needs to select the best plan that fits your lifestyle and budget.
2025 Important Dates
If you don’t have insurance through your employer, parent, or through the government, you can obtain it through the Marketplace.
- November 1: Open Enrollment Starts for health coverage for the next plan year – first day you can enroll in, re-enroll in, or change health plans through the Health Insurance Marketplace. Coverage can start as soon as January 1.
- December 15: Last day to enroll in or change plans for coverage to start january 1.
- January 1: Coverage starts for those who enroll in or change plans by December 15 and pay their first premium
- January 15: Open Enrollment ends – Last day to enroll in or change health plans for the year. After this date, you can enroll in or change plans only if you qualify for a Special Enrollment Period.
- February 1: Coverage starts for those who enroll in or change plans December 16 through January 15 and pay their first premium.
What documents do I need to prove a qualifying life event?
Birth, adoption, and legal guardianship
- Birth certificate or application for a birth certificate
- Adoption record or placement for adoption
- Legal guardianship document
- Court order or child support order
Marriage
- Marriage license (include proof of coverage for at least one, subscriber or spouse)
Loss of employer-sponsored group coverage
- Letter or document from employer stating the employer changed, dropped or will drop coverage or benefits for the employee, spouse or dependent, including the date coverage ended or will end
- Letter from health insurance company showing coverage termination date
- COBRA documentation showing length of coverage with beginning and end dates
Divorce or legal separation
- Divorce or annulment papers including the ending of health care responsibility and proof of prior qualifying health coverage within the last 60 days
Death of policyholder
- Death certificate or public notice of death and proof of prior qualifying health coverage within the last 60 days
Turning age 26 and aging off parent’s plan
- Proof of prior qualifying health coverage within the last 60 days
Loss of Medicaid
- Documentation from Michigan Department of Health and Human Services indicating the reason for loss and when coverage ended or will end
- Letter from Medicaid or Children’s Health Insurance Plan (CHIP) stating when coverage ended or will end
Moved out of plan area or moved into new plan area
Proof of prior qualifying health coverage within the last 60 days and one of the following:
- Lease or rental agreement
- Mortgage deed if showing owners use the property as primary residence
- Front and back of driver’s license or state identification card
- U.S. Postal Service change of address confirmation
- Official school documentation, including enrollment or housing documentation
- Letter from current or future employer that you relocated for work
- Green card, education certificate or visa if you moved to the U.S. from another country
Other events
- Letter from school stating when student health coverage ended or will end
- Dated copy of military discharge papers or Certificate of Release including the date coverage ended or will end due to no longer active military service
- Letter or notice from government program, like TRICARE, Peace Corps, AmeriCorps, or Medicare stating when coverage ended or will end
- Document from the Department of Corrections, jail or prison indicating release or parole, including an order of parole, order of release or an address certification
- Documentation from the Health Insurance Marketplace or state-based exchange showing determination of eligibility and date for the following events:
- Newly eligible for Advanced Premium Tax Credit
- Materials violation of the plan contract
- Unintentional, inadvertent or erroneous enrollment
- Decertified or plan discontinuance letter
Third Party Organization Disclaimer
“We do not offer every plan available in your area. Currently we represent three organizations which offer 25 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.”
Serving the Blue Water Area Since 1978
Our Location
Grant Smith
Insurance Agency, LLC
2916 Pine Grove Avenue
Port Huron, MI 48060
Phone: (810) 984-1373
Fax: (810) 984-1384
Email: grantsmith@grantsmith.com