--- title: Did You Know Your Health Insurance Can Affect Your Auto Insurance? - Koppinger & Associates description: Did You Know Your Health Insurance Can Affect Your Auto Insurance? - Koppinger & Associates image: https://koppingerins.com/hubfs/Michigan-road-sign-1024x852-1.jpg --- [![Koppinger & Associates logo](https://koppingerins.com/hs-fs/hubfs/01609-KA-Logo-CC-1.png?width=1800&height=384&name=01609-KA-Logo-CC-1.png "Koppinger & Associates logo")](https://koppingerins.com) [![Koppinger & Associates logo](https://koppingerins.com/hs-fs/hubfs/01609-KA-Logo-CC-1.png?width=1800&height=384&name=01609-KA-Logo-CC-1.png "Koppinger & Associates logo")](https://koppingerins.com) - [Home](https://koppingerins.com) - Solutions - [Business insurance & P&C](https://koppingerins.com/business-insurance-pc-solutions) - [Employee benefits & HR](https://koppingerins.com/employee-benefits-and-hr-solutions) - [Knowledge Center](https://koppingerins.com/blog) - [About](https://koppingerins.com/about) - [Contact](https://koppingerins.com/contact) - [HR Library](https://auth.zywave.com) # Your Health Insurance Can Affect Your Auto Insurance April 20 2022 Categories: [P&C Solutions](https://koppingerins.com/blog/tag/pc-solutions) ![Your Health Insurance Can Affect Your Auto Insurance](https://koppingerins.com/hubfs/Michigan-road-sign-1024x852-1.jpg) Under Michigan’s new auto insurance law, drivers can choose from six different Personal Injury Protection (PIP) medical coverage levels when they buy or renew their auto insurance. PIP covers medical bills and other expenses if you are injured in an auto accident. For people who have Qualified Health Coverage (QHC), two options allow you to remove PIP medical coverage for yourself and/or eligible household members. To count as QHC, your health insurance policy must not exclude or limit coverage for auto accident injuries and must have an individual deductible of $6,000 or less. Medicare Parts A and B or Medicare Advantage also count as QHC, but VA Health Benefits **do not** count as QHC. If someone in your household does not have PIP medical coverage and has a change in their health insurance, you must A.C.T.: - **A** – Ask your auto insurance carrier about your PIP medical coverage choice and find out if you need QHC to maintain your current selection. - **C** – Contact your health insurance carrier to determine if your new policy counts as QHC and to get an updated QHC letter. - **T** – Tell your auto insurance carrier immediately if you lose your QHC. You have **30 days** to obtain replacement health insurance or make a different PIP medical selection, **or you risk not having medical coverage for yourself and your family in the event of an auto accident.** If you are interested in learning more or have questions, visit [Michigan.gov/AutoInsurance](https://www.michigan.gov/AutoInsurance) --- Koppinger & Associates recommends the following on your personal auto policy: - Unlimited Personal Injury Protection limit - Primary Medical - the auto policy pays for items health care does not (i.e. wages, attendant care, home modifications, auto modifications, mileage, etc.) - some items have limited benefits on health insurance - - - - [mailto:?subject=Did%20You%20Know%20Your%20Health%20Insurance%20Can%20Affect%20Your%20Auto%20Insurance?%20-%20Koppinger%20and%20Associates&body=Did%20You%20Know%20Your%20Health%20Insurance%20Can%20Affect%20Your%20Auto%20Insurance?%20-%20Koppinger%20and%20Associates%20https://koppingerins.com/blog/did-you-know-your-health-insurance-can-affect-your-auto-insurance](mailto:?subject=Did%20You%20Know%20Your%20Health%20Insurance%20Can%20Affect%20Your%20Auto%20Insurance?%20-%20Koppinger%20and%20Associates&body=Did%20You%20Know%20Your%20Health%20Insurance%20Can%20Affect%20Your%20Auto%20Insurance?%20-%20Koppinger%20and%20Associates%20https://koppingerins.com/blog/did-you-know-your-health-insurance-can-affect-your-auto-insurance) [Previous post](https://koppingerins.com/blog/because-nobodys-perfect-education-series-management-liability-part-1-directors-officers-liability) [All posts](https://koppingerins.com/blog) [Next post](https://koppingerins.com/blog/millions-of-dollarsis-it-working-for-you) ## Related Articles #### [Are You Prepared to Face the Predicted Hardening Insurance Market? - Koppinger & Associates](https://koppingerins.com/blog/are-you-prepared-to-face-the-predicted-hardening-insurance-market) #### [Auto Reform’s Next Problem – Property Protection Insurance (PPI) - Koppinger & Associates](https://koppingerins.com/blog/auto-reforms-next-problem-property-protection-insurance-ppi) #### [Market Conditions and the Impact on Business Insurance](https://koppingerins.com/blog/market-conditions-and-the-impact-on-business-insurance-premiums) [![01609-KA-Logo-WH](https://koppingerins.com/hs-fs/hubfs/01609-KA-Logo-WH.png?width=300&height=64&name=01609-KA-Logo-WH.png "01609-KA-Logo-WH")](https://20500700.hs-sites.com/) 3060 Commerce Dr. Suite 4 Fort Gratiot, MI 48059 At Koppinger & Associates, we are a team of dedicated insurance advisors who put the needs of our clients first. Through a personalized approach, we help guide you to the right insurance solutions for your business while treating you with care and excellence. [Follow us on LinkedIn](https://www.linkedin.com/company/koppinger-%26-associates/) ### Company - [Home](https://koppingerins.com) - [Business Insurance](https://koppingerins.com/business-insurance-pc-solutions) - [Employee Benefits](https://koppingerins.com/employee-benefits-and-hr-solutions) - [About](https://koppingerins.com/about) ### Resources - [Knowledge Center](https://koppingerins.com/blog) - [Contact](https://koppingerins.com/contact) Copyright © 2022. 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