Marketplace, family and self-employed plans matched to your doctors, prescriptions and budget.
Looking for a health insurance broker in Livonia, MI? Samantha Lewis Agency helps individuals, families and self-employed people across Livonia and Wayne and Oakland County compare Marketplace, employer-alternative and family plans side by side. We check your doctors and prescriptions first, then show you what a plan really costs when you use it.
A health insurance broker compares plans from several insurers for you, checks that your doctors and prescriptions are covered, explains deductibles and out-of-pocket maximums, and helps you enroll. At Samantha Lewis Agency in Livonia, MI, we also help with Marketplace subsidy and cost-sharing questions and stay your point of contact after enrollment. Using a broker usually costs you nothing extra, because agents are paid by insurers.
Health insurance follows you to every doctor’s appointment. Here is what our help looks like:
A captive agent usually represents one insurance company, while an independent broker or agent can compare plans from several companies. Samantha Lewis Agency is an independent agency that shops coverage across 15+ carriers licensed in Michigan, so we can lay options side by side instead of showing a single company’s lineup. Either way, you should get a clear explanation of costs and networks before you enroll.
| Captive agent | Independent agency (like ours) | |
|---|---|---|
| Companies represented | Typically one | Several carriers |
| Plan comparison | Within one company’s plans | Across companies, side by side |
| Cost to you | Usually nothing extra | Usually nothing extra |
| Help after enrollment | Varies | Ongoing service from our Livonia office |
Health insurance cost in Michigan depends on your age, where you live, who is on the plan, the metal tier you choose and the plan’s network. For Marketplace plans, household income also matters, because premium tax credits can lower your monthly bill. The premium is only part of the cost: deductibles, copays and the out-of-pocket maximum decide what you pay when you actually use care.
We don’t quote average prices, because the number that matters is yours. These are the factors that move it most:
From our Livonia office we help Michigan residents compare individual and family ACA Marketplace plans, short-term health insurance, dental and vision coverage, and coverage for the self-employed and small businesses. We also check whether you qualify for premium tax credits or cost-sharing reductions. If you’re turning 65, Samantha, who is NABIP Medicare Certified, helps you move onto Medicare.
Michigan uses HealthCare.gov, and Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1, 2027, or by January 15 for coverage starting February 1. Outside that window you need a Special Enrollment Period from a qualifying life event such as losing other coverage, moving, marriage, or a birth or adoption.
A Special Enrollment Period typically gives you 60 days from the event to choose a plan, so it pays to call us soon after a change. Our Michigan health insurance open enrollment guide covers the key dates and what to review before you renew, and the official deadlines are listed on HealthCare.gov.
We start with a short conversation at our office at 39293 Plymouth Rd in Livonia or by phone, covering your household, estimated income, doctors, prescriptions and current coverage. Then we narrow the field to a few plans and walk through each one so you know exactly what you’re buying and what you’ll pay when you use it. You choose; we help with enrollment and stay on call for renewals.
This page is general information, not legal or tax advice. Subsidy eligibility is determined by HealthCare.gov.
Usually not. Agents and brokers are paid by the insurance companies, so using one usually costs you nothing extra and does not change the premium for a Marketplace plan. What changes is the help: we compare plans, check your doctors and prescriptions, and stay available for questions after you enroll.
Yes. Dental and vision coverage is part of what we help Livonia-area clients compare, alongside medical plans. We look at whether you want it bundled with your health plan or as separate policies, and how it fits your budget and the dentists or eye doctors you already use.
It depends on the plan’s network, which is why we check it first. Before recommending anything, we look up whether your doctors, specialists and preferred hospitals are in network for each plan we compare. If a plan doesn’t include them, we show you that clearly so it never comes as a surprise after enrollment.
No. Our office is on Plymouth Road in Livonia, and we serve Plymouth, Canton, Farmington Hills, Westland, Northville, Novi and the surrounding Wayne and Oakland County area. Because Michigan uses HealthCare.gov statewide, we can also help by phone.
Medicare has its own enrollment periods and rules, separate from the ACA Marketplace. Samantha is NABIP Medicare Certified and helps Livonia-area clients move from individual or employer health coverage onto Medicare. Start with our Medicare page, and talk to us a few months before your 65th birthday so your Initial Enrollment Period is used well.
Ready to compare health insurance with a local broker who checks your doctors and prescriptions first? Book a free consultation or call (734) 525-9450.
Book a no-obligation call with Samantha or call us directly.
