Only rarely will someone in Michigan pay nothing for their medical care, even with insurance. Though private health insurance can greatly reduce an individual’s out-of-pocket responsibility for care, it almost never makes health care entirely free. Whenever you go to the doctor or use your health insurance, you can reasonably expect to pay a cost. Based on the care you need and the coverage you have, these costs may vary. 1. Premiums Your premium is the amount you pay your insurance com...