What We’re About

The mission of Michigan Consumers for Healthcare (MCH) is to work collaboratively with a diverse alliance of consumers, partners and policymakers to attain affordable, accessible, quality healthcare for everyone in Michigan through education, outreach, advocacy and stakeholder engagement.

MCH works to build a healthy future in which:

• Healthcare is fundamental and is accessible for everyone
• Healthcare and health insurance coverage options are affordable for all people
• Healthcare and health insurance coverage options provide access to quality care that is effective, efficient, patient-centered, equitable and culturally appropriate for our diverse population
• Consumers are actively involved in every level of healthcare decision making
• Consumers and their champions shape healthcare policy and regulations to advance and improve our healthcare system

The Affordable Care Act Provisions and Michigan Consumers

The Affordable Care Act Impact in Michigan

Michigan Exchange

08/25/2011 – Accessibility
The initial recommendations on the Affordable Care Act Exchanges. The ACA provides Michigan with an opportunity to design a health insurance marketplace that is affordable, accessible, transparent and responsive to consumers looking to purchase health insurance.

Michigan Medical Loss Ratio determination letter

12/20/2011 –
Decision by HHS to deny Michigan’s waiver to phase in the medical loss ratio. Health insurance companies must spend at least 80 percent of premium revenues on patient care or rebate policyholders the difference, under a federal ruling today that benefits Michigan consumers and patients. The ruling denies a Michigan Office of Financial and Insurance Regulation (OFIR) waiver application that would have diverted more than $53 million in projected consumer rebates back to commercial insurance carriers in Michigan.

State Could Save $1 Billion by Expanding Medicaid

10/17/2012 – Affordability
The Center for Healthcare Research & Transformation analyzes the impact of a Medicaid Expansion in Michigan as part of the Affordable Care Act implementation. “Our analysis of the impacts on the state of Michigan shows a 10-year savings to the state under all scenarios. In our middle scenario, the state would save almost $1 billion net of the cost of the Medicaid expansion over 10 years. In that scenario, the Medicaid expansion would bring an additional 620,000 people—most of whom are uninsured today—into the state’s Medicaid program, at an average annual savings of $176 per enrollee, with no net costs to the state until the year 2020.” http://www.chrt.org/publications/price-of-care/aca-medicaid-expansion-michigan-impact/

State Could Save $1 Billion by Expanding Medicaid

10/17/2012 – Accessibility
The Center for Healthcare Research & Transformation analyzes the impact of a Medicaid Expansion in Michigan as part of the Affordable Care Act implementation. “Our analysis of the impacts on the state of Michigan shows a 10-year savings to the state under all scenarios. In our middle scenario, the state would save almost $1 billion net of the cost of the Medicaid expansion over 10 years. In that scenario, the Medicaid expansion would bring an additional 620,000 people—most of whom are uninsured today—into the state’s Medicaid program, at an average annual savings of $176 per enrollee, with no net costs to the state until the year 2020.” http://www.chrt.org/publications/price-of-care/aca-medicaid-expansion-michigan-impact/