SHINE Insurance Group

HAP IS NOT LEAVING MICHIGAN!!

Various news outlets are incorrectly reporting that HAP is leaving Michigan!

THIS IS UNTRUE!

I want to clarify recent misinformation: HAP is not leaving the Michigan market. Despite inaccurate reports from some local media outlets, HAP remains a strong, sustainable option offering affordable health plans across Michigan for 2026, including:
Medicare
Commercial
Small Group
Off-exchange Individual & Family Plans

Medicare

HAP offers some of the most affordable and benefit-rich Medicare plans in Michigan, with a 4-star quality rating for both HMO and PPO plans from the Centers for Medicare & Medicaid Services (CMS).
While other plans have reduced or eliminated benefits—impacting over 150,000 seniors—HAP has seen record-breaking enrollment in the first two weeks of AEP.

Commercial
HAP introduced Henry Ford Health Select, delivering 15–20% lower premiums.

Small Group
HAP achieved one of the lowest rate increases in the Michigan market at 8.6%.

Off-Exchange
HAP continues to offer individual and family coverage through its off-exchange products.

Do not hesitate to reach out if you should have any questions.

248-854-7189

Life changes fast—marriage, kids, buying a home 🏡 … and with every stage comes more responsibility.

But here’s the scary part: if something unexpected happened to you, would your family be able to keep up with the mortgage? The car payments? Everyday living expenses?

That’s where life insurance comes in. It’s not about you—it’s about protecting the people you love most when they need it the most.

As a broker, I shop with multiple companies to make sure you get the right plan for your budget and your family’s needs. I work for YOU, not the insurance companies.

✅ Coverage that grows with your life
✅ Multiple options to compare
✅ A safety net your family can count on

Don’t put this off. Tomorrow isn’t promised, but peace of mind can start today. 💙 Message me and let’s find the right coverage for you.

248-854-7189 CALL/TEXT

CHANGE IS COMING....

ARE YOU READY?

Medicare Open enrollment is coming up very soon!

October 15th ~ December 7th

I'm here for all your questions -》248-854-7189