Michigan · Small group carrier · 2027
HAP Alliance Health and Life (PPO/EPO) Small Group Health Insurance in Michigan: 2027 Plans and Rates
HAP Alliance Health and Life (PPO/EPO) filed 32 small-group plan designs for 2027 in Michigan: 8 Bronze, 8 Silver, 13 Gold, 3 Platinum.
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32plan designs
EPO, PPOplan types
15 of 16rating areas
+11.6%approved 2027 change
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HAP Alliance Health and Life (PPO/EPO) 2027 small group plans and monthly rates
| Plan | Metal | Type | 2027 | Age 40, Area 1: Monroe and 1 more | Age 40, all regions |
|---|---|---|---|---|---|
| HAP EPO Bronze J855 | MetalBronze | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$400 | Age 40, all regions$386–$521 |
| HAP EPO Bronze HSA J8 EMB | MetalBronze | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$403 | Age 40, all regions$389–$525 |
| HAP EPO Bronze HSA H7 EMB | MetalBronze | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$419 | Age 40, all regions$404–$546 |
| HAP EPO Bronze H75 | MetalBronze | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$428 | Age 40, all regions$413–$558 |
| HAP PPO Bronze J855 | MetalBronze | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$437 | Age 40, all regions$422–$570 |
| HAP PPO Bronze HSA J8 EMB | MetalBronze | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$440 | Age 40, all regions$425–$574 |
| HAP PPO Bronze HSA H7 EMB | MetalBronze | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$458 | Age 40, all regions$441–$596 |
| HAP PPO Bronze H75 | MetalBronze | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$468 | Age 40, all regions$451–$610 |
| HAP EPO Silver HSA F55 EMB | MetalSilver | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$434 | Age 40, all regions$419–$566 |
| HAP EPO Silver HSA D35 EMB | MetalSilver | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$447 | Age 40, all regions$431–$582 |
| HAP EPO Silver E45 | MetalSilver | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$461 | Age 40, all regions$445–$601 |
| HAP PPO Silver HSA F55 EMB | MetalSilver | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$475 | Age 40, all regions$458–$618 |
| HAP EPO Silver E4 | MetalSilver | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$481 | Age 40, all regions$464–$627 |
| HAP PPO Silver HSA D35 EMB | MetalSilver | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$488 | Age 40, all regions$471–$636 |
| HAP PPO Silver E45 | MetalSilver | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$504 | Age 40, all regions$486–$657 |
| HAP PPO Silver E4 | MetalSilver | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$526 | Age 40, all regions$507–$685 |
| HAP EPO Gold HSA D32 | MetalGold | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$491 | Age 40, all regions$473–$639 |
| HAP EPO Gold HSA C27 | MetalGold | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$523 | Age 40, all regions$504–$682 |
| HAP EPO Gold HSA B175 | MetalGold | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$535 | Age 40, all regions$516–$697 |
| HAP EPO Gold C2 | MetalGold | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$536 | Age 40, all regions$517–$698 |
| HAP PPO Gold HSA D32 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$536 | Age 40, all regions$517–$698 |
| HAP PPO Gold HSA C27 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$572 | Age 40, all regions$551–$745 |
| HAP PPO Gold HSA B175 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$585 | Age 40, all regions$564–$762 |
| HAP PPO Gold C2 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$586 | Age 40, all regions$565–$763 |
| HAP EPO Gold B12 | MetalGold | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$602 | Age 40, all regions$580–$784 |
| HAP PPO Gold B15 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$603 | Age 40, all regions$581–$785 |
| HAP PPO Gold B1 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$617 | Age 40, all regions$595–$804 |
| HAP PPO Gold C25 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$622 | Age 40, all regions$600–$811 |
| HAP PPO Gold B12 | MetalGold | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$657 | Age 40, all regions$634–$856 |
| HAP EPO Platinum A050 | MetalPlatinum | TypeEPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$729 | Age 40, all regions$703–$950 |
| HAP PPO Platinum A050 | MetalPlatinum | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$797 | Age 40, all regions$768–$1,038 |
| HAP PPO Platinum A0 | MetalPlatinum | TypePPO | 2027Renewing | Age 40, Area 1: Monroe and 1 more$829 | Age 40, all regions$800–$1,081 |
Rate filing details
| Item | Detail |
|---|---|
| SERFF filing | DetailHALP-134889558 |
| Filing status | DetailClosed - State Approved for Outside Exchange |
| Rate decision | DetailApproved by the Michigan Department of Insurance and Financial Services |
| Plans ending for 2027 | Detail14 |
Other small group health insurance carriers in Michigan
- Blue Care Network
- Blue Cross Blue Shield of Michigan
- Priority Health (HMO/POS)
- HAP (Health Alliance Plan)
- UnitedHealthcare
- Priority Health (PPO)
- UnitedHealthcare Community Plan
- Paramount Care of Michigan
- Paramount Insurance Company
Compare all Michigan small group health plans
Where these numbers come from
- Rates: each carrier's 2027 small-group Rates Table Template, filed in SERFF with the state insurance department, rates effective January 1, 2027. Plan names, metal levels and plan types: the carriers' Unified Rate Review Templates.
- Approved rate changes: Michigan Department of Insurance and Financial Services rate decisions; filed changes: ratereview.healthcare.gov, small group, plan year 2027.
- Alliance Health and Life Insurance Company: SERFF HALP-134889558; actuarial memo
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is a licensed broker, not HAP Alliance Health and Life (PPO/EPO) or a government agency. Rates are filed 2027 rates before the employer contribution; quotes depend on employee ages, location and carrier rules.