For Individuals, Families & Those Approaching Medicare

Individual Health Insurance & Medicare Plans for Michigan

Life changes fast. Job loss, a retirement, a birthday that triggers Medicare eligibility. The Griswold Group helps individuals and families navigate these transitions without making a decision they’ll regret during open enrollment.

Individual & Family Health

Coverage When Your Situation Changes

Whether you just lost employer coverage, you’re self-employed and shopping for the first time, or you’re adding a dependent — we compare your options across carriers and help you choose a plan that covers what matters without blowing your budget.

Life Transition Situations We Handle Frequently

Job loss or employer coverage ending
Getting married or divorced
Adding a newborn or adopted child
Moving to a new area
Aging off a parent's plan at 26
Self-employment or gig work
Retiring before age 65

ACA Marketplace Plans

Subsidized coverage through the Health Insurance Marketplace. We help you understand what subsidy you qualify for and find plans that maximize that value.

Carrier Direct Plans

Off-exchange plans through individual carriers. Sometimes the right fit for those who don’t qualify for subsidies or who want specific network access.

Dental & Vision

Individual dental and vision plans to complement your health coverage. Often more affordable than most people expect when purchased standalone.

Short-Term Major Medical

Temporary coverage for gaps between plans. Useful during life transitions when you need protection without committing to a full plan year.

Hospital Indemnity

Supplemental coverage that pays a fixed benefit if you’re hospitalized. Often used alongside high-deductible plans to cover out-of-pocket exposure.

Life Insurance

Individual term and permanent life options. We’ll help you understand what level of coverage makes sense for your situation.

Medicare Guidance

Medicare Guidance For People Turning 65 Or Retiring

Medicare has enrollment windows, late-enrollment penalties, and a dizzying number of plan types that interact in non-obvious ways. We help you understand what Part A, B, C, and D actually mean in practice — and what supplemental coverage you may need on top of Original Medicare.

Initial Enrollment Window

You have a 7-month window around your 65th birthday to enroll in Medicare without penalty. Missing it can mean higher premiums for life. We help you track the timeline and make decisions before the window closes.

Medicare Supplements (Medigap)

Fills the coverage gaps left by Original Medicare — coinsurance, copayments, and deductibles. We compare Medigap policies across carriers.

Medicare Advantage

All-in-one plans (Part C) that bundle hospital, medical, and often dental and vision coverage. Often $0 premium but with network and referral restrictions to understand.

Part D Prescription Plans

Standalone drug coverage for people on Original Medicare or some Medigap plans. Formularies vary widely — we help you match your prescriptions to the right plan.

Dental & Vision for 65+

Original Medicare doesn’t cover routine dental or vision. Standalone plans can fill this gap. Often bundled with Medicare Advantage.

Hospital Indemnity

Pays a fixed benefit on hospitalization — a useful supplement for people on Medicare Advantage plans with high per-day hospital costs.

Client Successes

What Our Clients Are Saying

“Anne is amazing. There are so many changes happening in the health insurance market! When I have brought my Medicare questions to my appts, she has had the answers ready, or knows where to find them. She is patient, personable and professional. I highly recommend this office.”

Barbara Patten

“Griswold Group has super helpful and nice employees. It is refreshing to not feel pressure when dealing with insurance. The staff has been easy to approach & quick to respond when we reach out for help.”

Amber Shoemaker

“The Griswold Group has provided me and my family honest objective advice since we began working with them over 10 years ago.”

Jesse Langschied

“The entire group is very knowledgeable and able to explain the complexities of insurance in basic terms in a friendly manner.”

Denise Blair

Ready To Talk Through Your Options?

Whether you need individual coverage or you’re approaching Medicare, we’ll review your situation and explain your choices before you commit to anything.