For customer service, please call 1-877-371-9112


Who We Are, How We're Different
Consumers Mutual is a non-profit, member-governed health insurer. We understand small business because we are one. We protect our small business members by reinvesting profits to keep premium increases low, expand benefits & improve quality. Our affordable, member-friendly PPO plans are available to small businesses throughout Michigan.

Features and Benefits

  • Consumers Mutual health plans include all the benefits required of Gold, Silver, and Bronze plans listed on Michigan's health insurance marketplace-- plus more. You can purchase our plans through the marketplace, or through an agent or broker.
  • Nearly all of our Premier, Choice and Basic plans offer coverage of health care services such as preventative care, diagnostic tests, doctor visits, emergency treatment and hospitalization. So, it's easy to choose the combination of premium and deductible that best suits your business needs.
  • Our network of doctors and other health professionals extends throughout Michigan's upper and lower peninsulas. If you or a family member needs highly specialized care your provider can request that you see a provider who is not in our network when that's the best option. If you need emergency medical care or urgent care services they are covered anytime, even when you are traveling outside Consumer Mutual's service area.
  • If you have fewer than 25 employees, pay average annual wages below $50,000, and provide health insurance, you may already qualify for a small business tax credit of up to 35% (up to 25% for non-profits) to offset the cost of your insurance. In 2014, the business tax credit rises to 50%. Use our tax credit calculator to see how your business could benefit.


Want to know more? Download the FREE 17-page guide "How Employers Can Benefit from the Affordable Care Act". Get the inside scoop on what you need to know as an employer - what are your requirements, what options are available and how to find plans for your employees:​

Small Employer Group Plans

For plans designed just for small employer groups, click here

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