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Do you qualify?

Are you a resident of the State of Michigan?

-  You must be a resident of the State of Michigan to enroll in these plans. 
-  Any individual under the age of 65 are eligible and qualify for these plans if you     
    are a resident of the State of Michigan. 
     The provider for ALL PLANS is BLUE  CROSS BLUE SHIELD of Michigan.  These plans provide national coverage and       include: Medical, Prescription Drug, Dental and Vision.
  • Guaranteed issue: Qualifying individuals must be guaranteed enrollment regardless of their medical status and must be permitted to remain enrolled so long as they pay the premium.    

  • No preexisting condition restrictions: No preexisting condition restriction may be imposed on a qualifying individual.    

  • Nondiscriminatory premium: The premium charged for a qualifying individual will not be greater than the premium for a similarly situated person who is not receiving the credit.   

  • Benefits are the same (or substantially the same) under coverage provided to similarly situated individuals who are not qualifying individuals.    


Cone Retiree Healthcare Group (CRHG) leads the insurance industry in experience and knowledge of establishing and maintaining Health Coverage Tax Credit (HCTC) insurance programs for Trusts, Individual Groups or Associations, Unions and State Qualified Plans. CRHG specializes in managing, designing and establishing qualified plans and benefits for groups and individuals eligible for the the Health Coverage Tax Credit (HCTC) in the ever growing retiree population. 

Michigan State Plan Provider
Site Owned and Managed by:
Cone Retiree Healthcare Group LLC


7941 Katy Fwy, Suite 410

Houston, Texas  77024

1(713) 956.1417

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