--- title: Commercial Health Insurance in Michigan | Group Plans from Finlan Insurance description: Support your employees with group health insurance from Finlan Insurance in Plymouth, MI. Coverage options include HMOs, PPOs, short-term disability, and long-term disability plans. --- [Go Back Up](https://www.finlan.com/commercial-coverages-health#top) [Skip to Content](https://www.finlan.com/commercial-coverages-health#body) **Get a Quote  | ** Request Service  |  Phone: (734) 453-6000      [GET A QUOTE](https://www.finlan.com/quote?hsLang=en)          **[REQUEST SERVICE](https://www.finlan.com/request-service?hsLang=en)**        [PHONE: (734) 453-6000](tel:734-453-6000)       [![Finlan 100 Years Logo](https://www.finlan.com/hs-fs/hubfs/finlan_110_year_anniversary_logo.png?width=350&height=120&name=finlan_110_year_anniversary_logo.png "Finlan 100 Years Logo")](https://www.finlan.com?hsLang=en) Toggle Menu - COVERAGES Toggle children for COVERAGES Main Menu (Press to Return) > COVERAGES - [Personal](https://www.finlan.com/personal-insurance) Toggle children for Personal COVERAGES (Press to Return) > Personal - [Get a Quote](https://www.finlan.com/personal-quote) - [Home](https://www.finlan.com/personal-coverages-home) - [Auto](https://www.finlan.com/personal-coverages-auto) - [Health](https://www.finlan.com/personal-coverages-health) - [Umbrella](https://www.finlan.com/personal-coverages-umbrella) - [Flood](https://www.finlan.com/personal-coverages-flood) - [Watercraft](https://www.finlan.com/personal-coverages-watercraft) - [Pet](https://www.finlan.com/personal-coverages-pet) - [Scheduled Property](https://www.finlan.com/personal-coverages-scheduled-property) - [Travel](https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=151650&personalized=y) - [Commercial](https://www.finlan.com/commercial-insurance) Toggle children for Commercial COVERAGES (Press to Return) > Commercial - [Get a Quote](https://www.finlan.com/commercial-quote) - [Essential Coverage](https://www.finlan.com/commercial-coverages-standard-coverage) - [Property](https://www.finlan.com/commercial-coverages-property) - [Product](https://www.finlan.com/commercial-coverages-product) - [Auto](https://www.finlan.com/commercial-coverages-auto) - [Health](https://www.finlan.com/commercial-coverages-health) - [Umbrella](https://www.finlan.com/commercial-coverages-umbrella) - [Specialty Coverage](https://www.finlan.com/commercial-coverages-specialty-coverage) - [Life](https://www.finlan.com/life-insurance) Toggle children for Life COVERAGES (Press to Return) > Life - [Get a Quote](https://www.finlan.com/life-quote) - [Term Life](https://www.finlan.com/life-coverages-term-life) - [Whole Life](https://www.finlan.com/life-coverages-whole-life) - [Universal Life](https://www.finlan.com/life-coverages-universal-life) - [Annuities](https://www.finlan.com/life-coverages-annuities) - [FAQs](https://www.finlan.com/faqs) - [STAFF](https://www.finlan.com/staff) - WHY FINLAN Toggle children for WHY FINLAN Main Menu (Press to Return) > WHY FINLAN - [About Finlan](https://www.finlan.com/about-finlan-insurance) - [History](https://www.finlan.com/history) - [Employment Opportunities](https://www.finlan.com/employment-opportunities) - [Blog](https://www.finlan.com/blog) - [Refer a Friend](https://www.finlan.com/refer-a-friend) - [CONTACT US](https://www.finlan.com/contact-us) - [OUR PARTNERS](https://www.finlan.com/our-partners) #### ![business_insurance_icon](https://www.finlan.com/hubfs/business_insurance_icon.svg)   Commercial Coverages | Health ![commercial_health](https://www.finlan.com/hubfs/health_02-1.png "commercial_health") ***Get Your Personalized Quote Today!*** [Get Started](https://www.finlan.com/quote?hsLang=en) ***Get Your Personalized Quote Today!*** Get a Quote # Group Health & Disability Insurance for Michigan Employers Offering benefits isn’t just about checking a box – it’s about taking care of your people and building a more stable team. Group health insurance helps provide employees (and often their dependents) access to medical coverage. Disability coverage – short-term and long-term – helps protect income if an illness or injury keeps someone from working. If you’re a small business, you may be eligible for SHOP (Small Business Health Options Program) coverage – generally for employers with 1–50 employees. If you’re approaching 50+ full-time equivalent employees, there are additional ACA considerations we can help you understand at a high level. ## Quick Take ## Who is Commercial Health Insurance for? Group health and disability coverage is often a good fit for: ![health_small_business](https://www.finlan.com/hubfs/health_small_business.svg) Michigan Small Businesses building a competitive benefits package ![health_professional_offices](https://www.finlan.com/hubfs/health_professional_offices.svg) Professional Offices (real estate, accounting, legal, consulting, agencies) ![health_contractors](https://www.finlan.com/hubfs/health_contractors.svg) Contractors & Trades with growing crews ![health_restaurants](https://www.finlan.com/hubfs/health_restaurants.svg) Restaurants, Retail & Service Businesses competing for reliable staff ![health_manufacturing](https://www.finlan.com/hubfs/health_manufacturing.svg) Manufacturers, Distributors & Warehouses with full-time employees ![health_employer](https://www.finlan.com/hubfs/health_employer.svg) Any employer who wants benefits – but needs help making the options clear #### You deserve coverage that fits how you operate & what you’re working to protect. Get a Quote ## What It Typically Covers ### Group Health Insurance (medical) Group health plans vary, but typically help employees access and pay for medical care, including: What’s covered (and how costs share between employer/employee) depends on plan design, network, and carrier. ### Disability Insurance (income protection) Disability coverage is different from health insurance. It’s designed to help replace a portion of income if an employee can’t work due to a qualifying illness or injury (subject to plan terms). We’ll help you evaluate what fits your workforce and budget – and how these benefits work together. ## Plan Types & Disability Options: HMO, PPO, STD, LTD  This is one of the most common decision points – and one of the most confusing. ### HMO Plans (Health Maintenance Organization) HMOs typically emphasize a defined provider network and may require selecting a primary care physician and referrals for certain specialist care (rules vary by plan). They’re often chosen for network structure and predictability. ![hmo_plans](https://www.finlan.com/hs-fs/hubfs/hmo_plans.png?width=500&height=337&name=hmo_plans.png "hmo_plans") ![ppo_plans](https://www.finlan.com/hs-fs/hubfs/ppo_plans.png?width=500&height=348&name=ppo_plans.png "ppo_plans") ### PPO Plans (Preferred Provider Organization) PPOs typically offer more flexibility to see specialists and out-of-network providers, but out-of-network care may cost more. Many employers choose PPOs for flexibility, especially when employees want broader provider access. #### You deserve coverage that fits how you operate & what you’re working to protect. Get a Quote ### Short-Term Disability (STD) STD benefits generally help during temporary disability periods (for example, recovery after surgery or an injury). Plans often include an elimination period and a benefit duration. ![short_term_disability](https://www.finlan.com/hs-fs/hubfs/short_term_disability.png?width=500&height=324&name=short_term_disability.png "short_term_disability") ![long_term_disability](https://www.finlan.com/hs-fs/hubfs/long_term_disability.png?width=350&height=365&name=long_term_disability.png "long_term_disability") ### Long-Term Disability (LTD) LTD is designed for longer absences and often begins after STD ends (or after a waiting period, depending on plan design). ### How Finlan Helps: We help translate these choices into plain-English tradeoffs your team can understand – network access vs cost, predictable copays vs deductibles, and how STD/LTD can reduce financial stress when life happens. We work with you to explain and present these options to your team and ensure every renewal is simple and stress-free.  ## What it May Not Cover It’s important to set expectations up front. Depending on the plan: We’ll help you understand the “rules of the road” before your employees need to use the coverage. ![commercial_health_what_it_may_not_cover](https://www.finlan.com/hubfs/commercial_health_what_it_may_not_cover.png "commercial_health_what_it_may_not_cover") ## Real-World Scenarios & How Benefits Help ![sudden_medical_issue](https://www.finlan.com/hubfs/sudden_medical_issue.svg) ### 1. A sudden medical issue An employee needs urgent care, imaging, or a hospital visit. Group health helps reduce out-of-pocket exposure and provides access to in-network care.  ![employee_out](https://www.finlan.com/hubfs/employee_out.svg) ### 2. A key employee is out for weeks A surgery or injury keeps someone off work temporarily. Short-term disability may help bridge income during recovery (subject to plan terms).  ![long_recovery](https://www.finlan.com/hubfs/long_recovery.svg) ### 3. A long recovery changes the picture An employee faces a longer disability period. Long-term disability can help provide continued income support after the waiting period (subject to plan terms).  ## **What Impacts Cost** When building a commercial health insurance policy, cost depends on your group and plan structure. Common factors include: If you’re near the 50+ FTE range, we can also help you understand high-level ACA employer considerations. ## **What We'll Ask You For** To recommend group health options that fit your team, we’ll typically request: #### You deserve coverage that fits how you operate & what you’re working to protect. Get a Quote ## **FAQs**  How many employees do I need to offer group health insurance? Many small employers with 1–50 employees can explore small-group options, including SHOP. What’s the difference between an HMO and a PPO? HMOs generally use a structured network and may require referrals; PPOs typically offer more flexibility, including out-of-network options (often at higher cost). Can we offer more than one plan option? Often yes. Many employers offer two plan designs to fit different employee needs and budgets. What happens if we grow to 50+ full-time equivalent employees? Around 50+ FTE, additional ACA employer rules may apply. We can help you understand the basics and coordinate with your tax/HR advisors. Can employees waive coverage? Usually yes, but participation requirements can apply. We’ll help you plan for waivers and eligibility rules. Is disability insurance the same as workers’ comp? No. Workers’ comp is for work-related injuries/illnesses. Disability insurance is generally for non-work-related illness/injury, subject to plan terms. What’s the difference between short-term and long-term disability? Short-term disability is generally for temporary absences (weeks/months). Long-term disability is designed for longer durations (months/years) and may begin after a waiting period. Can we offer STD and LTD without offering group health? Sometimes, yes (depending on carrier/eligibility). We’ll walk you through what’s available. Can we add dental and vision? Yes – these are commonly offered alongside medical as separate benefits. What do you need from us to get started? A basic census, your desired effective date/renewal date, and any current plan details. We’ll guide you step-by-step. ## Related coverages ## Talk to an Agent If you’re considering group health insurance, reviewing HMO vs PPO options, or adding short-term/long-term disability, we’ll help you compare plans and build a benefits package that fits your team and your budget. [Talk to an Agent](https://www.finlan.com/staff?hsLang=en) ![health_illustration](https://www.finlan.com/hs-fs/hubfs/health_illustration.png?width=2000&height=1189&name=health_illustration.png "health_illustration") [![finlan_110_year_anniversary_logo_white-1](https://www.finlan.com/hs-fs/hubfs/finlan_110_year_anniversary_logo_white-1.png?width=2676&height=463&name=finlan_110_year_anniversary_logo_white-1.png "finlan_110_year_anniversary_logo_white-1")](https://www.finlan.com?hsLang=en) 47784 Halyard Dr., Plymouth, MI 48170 [734.453.6000](tel:7344536000) | [800.305.6060](tel:8003056060) [Get a Quote](https://www.finlan.com/quote?hsLang=en) [Personal Insurance](https://www.finlan.com/personal-insurance?hsLang=en) [Commercial Insurance](https://www.finlan.com/commercial-insurance?hsLang=en) [Life Insurance](https://www.finlan.com/life-insurance?hsLang=en) [Staff](https://www.finlan.com/staff?hsLang=en) [FAQs](https://www.finlan.com/faqs?hsLang=en) [About Finlan Insurance](https://www.finlan.com/about-finlan-insurance?hsLang=en) [Careers](https://www.finlan.com/employment-opportunities?hsLang=en) [Contact Us](https://www.finlan.com/contact-us?hsLang=en) [Our Partners](https://www.finlan.com/our-partners?hsLang=en) [Refer a Friend](https://www.finlan.com/refer-a-friend?hsLang=en) **GET A QUOTE & BUY ONLINE** **TRAVEL INSURANCE** ![geoblue_logo_v2](https://www.finlan.com/hubfs/geoblue_logo_v2.svg "geoblue_logo_v2") [Quote & Buy](https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=151650&personalized=y) **DENTAL INSURANCE** ![delta_dental_logo_v2](https://www.finlan.com/hubfs/delta_dental_logo_v2.svg "delta_dental_logo_v2") [Quote & Buy](https://www.mysmilecoverage.com/finlan/) [![ignite_logo_footer](https://www.finlan.com/hubfs/ignite_logo_footer.svg "ignite_logo_footer")](https://www.ignitexds.com/) Copyright © 2025 Finlan Insurance All Rights Reserved [Terms and Conditions](https://www.finlan.com/finlan-terms-conditions?hsLang=en) | [Privacy Policy](https://www.finlan.com/finlan-privacy-policy?hsLang=en) ```json { "@context" : "https://schema.org", "@id" : "https://www.finlan.com/#agency", "@type" : "InsuranceAgency", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Plymouth", "addressRegion" : "MI", "postalCode" : "48170", "streetAddress" : "47784 Halyard Dr." }, "aggregateRating" : { "@type" : "AggregateRating", "bestRating" : "5", "ratingValue" : "4.92", "reviewCount" : "476", "worstRating" : "1" }, "alternateName" : "Finlan Insurance", "areaServed" : [ { "@type" : "AdministrativeArea", "name" : "Michigan" }, { "@type" : "City", "name" : "Plymouth" }, { "@type" : "City", "name" : "Canton" }, { "@type" : "City", "name" : "Northville" }, { "@type" : "City", "name" : "Livonia" } ], "description" : "C.L. 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