ABCDEFGHIJKLMNOPQRSTUVWXYZ
1
2
CHOOSE A 2027 PLAN WITH YOUR MENTAL HEALTH IN MIND
3
4
Michigan • Free insurance comparison worksheet • For counseling, psychiatric visits and prescriptions • Version: October 2026
5
6
7
HOW TO USE THIS CALCULATOR
8
1 START WITH YOUR CAREOpen the Compare Plans tab. Enter expected therapy sessions, prescribing visits and months of medication (yellow input cells).
9
10
11
2 COMPARE EXACT PLANSEnter each 2027 insurer/network/product, net premium, deductible, in-network out-of-pocket maximum and service cost-sharing rules.
12
13
14
3 ASK ABOUT ALLOWED AMOUNTSFor deductible / coinsurance plans, ask what the plan’s allowed (negotiated) rate is for a typical therapy or prescribing visit. A clinic may provide an estimate.
15
16
17
4 CHECK COVERAGE FIRSTOn Verify Coverage, confirm your exact therapist, prescriber, service location, telehealth, and medications. Document the call reference.
18
19
20
5 READ THE RESULTCompare ESTIMATED TOTAL / YEAR in green. Red or amber coverage warnings mean additional verification is needed. Lowest estimated cost is not automatically best.
21
22
23
24
WHAT THE WORKBOOK DOES — AND DOESN'T DO
25
INCLUDEDTwelve months of your net premiums; therapy and prescribing visits; estimated pharmacy and other spending; the plan’s covered in-network out-of-pocket maximum.
26
27
SHARED DEDUCTIBLEFor therapy and prescriber visits that apply to the deductible, the model allocates the deductible proportionally across these services. Real claims are paid in date order; results can differ.
28
29
PRESCRIPTIONSEnter what YOU expect to pay each month after checking formulary and pharmacy. Separate medication deductibles, prior authorization, tiers, and changes in drug prices are not simulated.
30
31
MAXIMUM OUT-OF-POCKETOnly applies to covered in-network costs. Monthly premiums, out-of-network/self-pay services, and most non-covered drugs generally do not count toward the in-network maximum.
32
33
EMPLOYER HSA / HRAOnly subtract employer-provided funds you expect to use for eligible care. YOUR own HSA deposits are not a cost reduction. HRA eligibility depends on employer plan.
34
35
HOUSEHOLD / FAMILYThis is a simplified single person's mental health use model. Family deductibles, embedded limits, other household members, and overlapping medical care can change your actual costs.
36
37
PROVIDER ELIGIBILITYBeing listed under an insurance company is not enough. Verify exact 2027 network, provider identity/NPI, service site, licensure and billing arrangement, and video vs office.
38
39
NOT A GUARANTEEEstimates are educational, not insurance quotes, plan recommendations or coverage guarantees. Confirm plan details using the Summary of Benefits and Coverage (SBC) and insurer.
40
41
42
2027 MICHIGAN OPEN ENROLLMENT & SOURCES
43
Marketplace: November 1, 2026–January 15, 2027; choose by December 15 for January 1 coverage. Employer windows vary.
44
Michigan DIFS: https://www.michigan.gov/difs/consumers/Insurance/health-insurance
45
HealthCare.gov total costs: https://www.healthcare.gov/choose-a-plan/your-total-costs/
46
Plan SBC rights: https://www.healthcare.gov/health-care-law-protections/summary-of-benefits-and-coverage/
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100