Michigan clients are helped by phone. The only physical office is in Boca Raton, Florida, so reviews, applications and follow-up questions are all handled remotely, from the Upper Peninsula to Detroit.
Michigan's Medicare counseling program, SHIP, is run by the Michigan Department of Health and Human Services, while insurance questions and complaints go to the Department of Insurance and Financial Services. The Medicare guide and the ACA guide below each point to the right contact.
Choose your guide
- MedicareMedicare in MichiganHow Medicare's enrollment windows work, how to reach Michigan SHIP, how Medicare and Medicaid fit together in Michigan, and the state's insurance consumer line.Read the Medicare guide
- ACA / MarketplaceACA health insurance in MichiganHow the Marketplace works in Michigan through HealthCare.gov, when Open Enrollment runs, and where to find Marketplace-certified enrollment help.Read the ACA guide
Medicare
Medicare enrollment guides
- Medicare Annual Enrollment PeriodWhat the October 15 through December 7 window allows and what changes for 2027.Read the guide
- Is your Medicare Advantage plan ending in 2027?Your rights, the letter you receive and the deadlines that apply.Read the guide
- Medicare Advantage and Medigap: your enrollment rightsHow the federal rules and enrollment windows work when moving to Original Medicare.Read the guide
- Medicare and Medicaid togetherWho pays first, what a D-SNP is and how integrated plans coordinate both programs.Read the guide
- Medicare Part D explainedHow prescription drug coverage works and the late enrollment penalty.Read the guide
Health insurance
ACA Marketplace guides
- ACA income check for 2027See where your household income lands: the Medicaid range, tax credit bands or over the 400% line.Read the guide
- How ACA premium tax credits workWho qualifies, how the credit is estimated and how it is settled at tax time.Read the guide
- ACA Special Enrollment PeriodsThe life events that open a window to enroll outside Open Enrollment.Read the guide
- Health insurance between jobsCOBRA, a Marketplace plan and other ways to stay covered after a job ends.Read the guide
- My Marketplace plan is ending for 2027What the notice means and how to choose your own 2027 plan.Read the guide
- COBRA vs. a Marketplace planHow to compare the two after losing job-based coverage.Read the guide
- Over the ACA income limit for 2027?What the 400% line means and how Marketplace income is estimated.Read the guide
- Premium going up in 2027?How to re-shop at Open Enrollment instead of renewing without looking.Read the guide
Licensing in Michigan
Alexander James is a licensed independent insurance agent in Michigan. His National Producer Number and state licenses can be checked on the National Insurance Producer Registry.
Alexander James, Licensed Independent Insurance Agent · NPN 19291077
Empathy Insurance Advisors is a trade name of Empathy Healthcare Solutions Inc. Insurance products are offered by Alexander James, a licensed independent insurance agent (NPN 19291077), and licensed insurance agents on staff. Empathy Healthcare Solutions Inc. is not a licensed insurance agency.
Talk it through with a licensed agent
Call, or answer a few questions online and a licensed agent will follow up. There is no obligation to enroll.
Licensed Insurance Agent | NPN: 19291077 · Licensed in 25+ states · No obligation · Privacy Policy
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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