Affordable Care Act

The Affordable Care Act puts in place comprehensive health insurance reforms that may affect Western Michigan University students. Explore plans, eligibility, and enroll directly (during open enrollment periods) via or receive additional assistance by calling (800) 318-2596.

All marketplace plans must include a wide range of benefits including wellness visits, preventative tests, hospital visits, pregnancy and more.

  • Pre-existing conditions will no longer affect eligibility or cost of your insurance
  • You can’t be denied health coverage based on health status
  • Young adults can stay on a parent's plan until they turn 26
  • Your coverage can’t be dropped if you are sick
  • Health insurers can’t place lifetime or yearly limits on your coverage

The cost of the insurance works on a sliding scale based on your income. When you apply for the marketplace, you’ll find out if you qualify for:

  • Free or low-cost coverage from Medicaid
  • Free or low-cost coverage for children from Children’s Health Insurance Program (MI-Child)
  • Assistance with premium costs through tax subsidies

Open enrollment
Enrollment is open during specific times of the year or if you have a qualifying life event.

If you don’t obtain coverage or an exemption, you must pay a fee on your federal income tax return for every month you are without health insurance.
Additional help with enrollment
For Healthy Michigan or sign-up assistance, students may contact Sindecuse staff by email or call (269) 387-3266.