*November 1, 2024*



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Dear Friend, 

Since I took office, my administration has been focused on lowering costs on kitchen-table issues, from higher education to health care to housing.

As we head into the holiday season, our focus will continue to be helping Michigan families keep more of their hard-earned money and have access to quality, affordable health care.

With our partners in the Biden-Harris administration, we’ve made strides to drive down the cost of prescription drugs and ensure access to insurance coverage. Medicare now negotiates the prices of ten expensive, commonly used prescription drugs directly, and insulin costs $35 a month for everyone. In Michigan, we’ve taken action to protect patients from surprise medical billing, extended Healthy Michigan to over 1 million people, lowered health care costs for working families, and codified the Affordable Care Act into state law, protecting care for millions.

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*If you need health insurance for 2025, the annual Health Insurance Marketplace open enrollment period begins today!*

Learn more below about your options to sign up for quality, affordable health care as part of the Affordable Care Act or Healthy Michigan.

We will keep rolling up our sleeves, lowering costs, and doing what we can to make life more affordable for you and your family. 

Sincerely,

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Gretchen Whitmer

Governor






*Enroll in Affordable Health Insurance: Open Enrollment Begins Today!*

Since I took office, ensuring every Michigander has access to quality, affordable health care has been one of my top priorities. 

Health insurance isn’t just for when you’re sick or hurt, it’s also important to help you stay healthy and protect yourself from unexpected high medical costs. Now is the time to secure quality affordable health care for 2025.

Open Enrollment gives Michiganders the chance to take advantage of savings that can help make insurance more affordable. For 2024, nearly 90% of enrolled Michiganders qualified for a subsidy, with many finding a plan for less than $10 per month.

See your options below to enroll in an affordable plan.

*An Affordable Plan for Everyone*

* The annual Health Insurance Marketplace open enrollment period is *November 1, 2024 - January 15, 2025*.
* Michiganders can shop for a health plan by visiting the Health Insurance Marketplace [ [link removed] ] at healthcare.gov [ [link removed] ] or by calling 800-318-2596 (TTY: 1-855-889-4325). New rules [ [link removed] ] have streamlined the number of available plans to make it easier for Michiganders to take advantage of savings.
* For questions about health coverage, visit [ [link removed] ] or call DIFS 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442.

*Seniors — Medicare Open Enrollment*


* The annual Medicare Open Enrollment Period is *October 15, 2024 - December 7, 2024.*
* During this time, seniors enrolled in Medicare can review and change their coverage for the following year. Michiganders can explore their options by visiting the Medicare Website [ [link removed] ] or calling 1-800-MEDICARE. Additional information about Medicare can be found at the Michigan Department of Insurance and Financial Services Website [ [link removed] ].
* Navigating Medicare can be confusing. Michigan Medicare Assistance Program (MMAP) [ [link removed] ] is an additional resource to help Michiganders understand their options and answer any questions about Medicare.
* Over the next several weeks, MMAP will be traveling to community sites throughout Wayne County and Downriver to provide seniors with free and unbiased information about their Medicare plans. See the list of events [ [link removed] ] where you can speak with a certified MMAP counselor about your Medicare plans. To learn more or request assistance, visit mmapinc.org [ [link removed] ].

*Lowering Costs for Michiganders  *

We’ve made significant strides to ensure that healthcare, education, and everyday living expenses are more affordable. I understand that rising costs can put a strain on families and communities across Michigan. Whether you’re in college, have kids in school, or are ready to retire, we’re doing what we can to help make your life more affordable.


* We *rolled back the retirement tax* to put an average of *$1,000* a year back in the pockets of 500,000 senior households.

* We* quintupled the Working Families Tax Credit* from 6% to 30%, delivering an average combined tax refund of *$3,150 *to 700,000 families, directly impacting nearly one million kids – almost half the kids in Michigan.

* We are feeding all 1.4 million of Michigan’s public school students *free breakfast and lunch*, saving families more than *$850* a year per kid on groceries.

* We expanded access to *free pre-K for Michigan four-year-olds*, prioritizing those who need it most. This will save families *$10,000 *a year and give every kid a solid academic foundation.

* We are lowering the cost of higher education for everyone with:
* *Community College Guarantee*, delivering two years of in-district community college *tuition-free* for Michigan high school graduates, helping nearly 20,000 young people save up to *$4,800*.
* *Michigan Achievement Scholarship,* lowering the cost of college by thousands of dollars a year—up to *$27,500* over 5 years—for a majority of graduating high school seniors.
* *Michigan Reconnect*_,_ providing *tuition-free* pathways for adult learners 21 and older.

* We are working to *lower the cost of buying or renting a home* by building more housing to expand supply. This year, MSDHA is making the largest investment to build, rehab, or permit housing in Michigan history—a *$1.4 billion* investment for *10,000 *homes, without raising taxes by a dime. They will keep this progress going next year, too.

* The historic clean energy package I signed into law last year, combined with the Biden-Harris Administration’s Inflation Reduction Act (IRA), will *drive lower energy costs* in our state. Highlighted in a new report [ [link removed] ], 5 Lakes Energy projects that, by 2030, our investments will drive household energy bills down *$297* a year and save *$7.3 billion* in public health costs.







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