Quality care for Muskegon workers who don’t qualify for Medicaid but can’t afford medical insurance

The Access C3 Health Plan

C3 stands for Choice, Challenge, and Change

We offer two health plan options that have the same benefits coverage. The difference is the health activity requirements for members enrolled in each plan.

And since our funding model combines resources from community stakeholders with a vested interest in community health – including care providers, hospitals, and businesses   members only pay 30% of the premiums.

To qualify for our Enhanced Plan and take advantage of significant cost savings, members must meet with a health coach and take health education courses.

Plan Features

for both Enhanced and Standard Plans

General Eligibility Guidelines

  • Individuals must live or work in the Greater Muskegon area.
  • Individuals must be uninsured and not eligible to receive coverage through any other source including Medicaid, Medicare, or employer-sponsored coverage through themselves, their spouse, or their parents, with the exception of coverage available through the health exchange.
  • Individuals must have a projected annual household income between 133% to 300% of the Federal Poverty Level.
  • Individuals must be US Citizens or have been a Lawful Permanent Resident for a minimum of 5 years immediately preceding application for the Access C3 Health Plan.
The best way to find out if you are eligible for our program is to contact us at (231) 728-5180. If you are not eligible, we will help connect you to other coverage options.

We have been providing full medical coverage at one-third of the cost of traditional insurance since 1999.

And in that time, the cost of health coverage through our plan has increased less than 1% per year.

How does the health coverage plan work?

Sharing Costs & Benefits

Our multi-share funding structure combines resources from community stakeholders with a vested interest in community health, including hospitals, businesses, and members. Combined with improved individual health, this structure helps sustain coverage affordability.

Promoting Accountability & Better Health

Our Enhanced Plan's Continuous Health Improvement (CHI) program fosters accountability and personal responsibility. Members are required to meet with a health coach and participate in educational curriculum that targets issues like financial literacy, health literacy, and healthy eating.

Removing Barriers & Saving Money

To help members reach realistic health goals, we address underlying Social Determinant of Health factors that impact physical health. We also work to coordinate care with other community health resources. Improved health means lower plan costs.

Do you own a small business in the Muskegon area?

Contact us to find out if you are eligible to offer our Access C3 Health Plan to your workers.