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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.    

Our specialty is assisting workers who have experienced job loss and retirees whose private pension plans were  taken over by the PBGC may be eligible for the Health Coverage Tax Credit (HCTC). The tax credit’s purpose is to make the purchase of health insurance more affordable for eligible individuals and their dependents.


The Health Coverage Tax Credit (HCTC) Program provides a tax credit through the IRS for participants qualified and enrolled in both the HCTC Program and a “qualified” insurance program.  This 72.5% Subsidy program is administered through the IRS and is available to 2 groups of people and their dependents meeting the eligibility requirement for a limited period of time.   We are currently lobbying to extend the HCTC Program.  Please contact your Congressmen and Senators to assist us in reauthorizing this benefit.  


You may be eligible to elect the Health Coverage Tax Credit (HCTC) if you are one of the following:

-   An eligible Trade Adjustment Assistance recipient, Alternative TAA recipient or Reemployment TAA recipient.

-  An eligible Pension Benefit Guaranty Corporation payee, or

-  The family member of an eligible TAA, ATAA or RTAA recipient or PBGC payee who meets the qualifications.



2023 State Qualified Plans

These are Blue Cross Blue Shield of Michigan (BCBSM) bundled plans that include Medical, Prescription Drug, Dental, and Vision to maximize the benefits for Michigan Residents, Retirees and Qualified Dependent's.  There is a subsidy of 72.5% for the individuals eligible for the Health Coverage Tax Credit until January 2021. 

-  Community Blue PPO HCTC-1

     ($250 Deductible)


-  Simple Blue PPO HCTC-2

     ($500 Deductible)

-  Simply Blue HSA HCTC-3

     ($2,000 Deductible)



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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