Blue Cross® Premier PPO Silver
Silver · PPO · Blue Cross Blue Shield of Michigan Mutual Insurance Company · Michigan
At age 40 it costs between $685.79 and $965.96 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $3,200 | $10,100 | $30 Copay after deductible | $15 Copay after deductible |
| up to 150% of the federal poverty level | $450 | $800 | $10 Copay after deductible | $15 Copay after deductible |
| 150% to 200% | $1,350 | $2,050 | $30 Copay after deductible | $15 Copay after deductible |
| 200% to 250% | $3,050 | $6,500 | $30 Copay after deductible | $15 Copay after deductible |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 15560MI0350003 |
|---|---|
| Insurer | Blue Cross Blue Shield of Michigan Mutual Insurance Company |
| Metal level | Silver |
| Plan type | PPO |
| Deductible (individual) | $3,200 |
| Deductible (family) | $6,400 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,100 |
| Family maximum | $20,200 |
| Primary care visit | $30 Copay after deductible |
| Specialist visit | $50 Copay after deductible |
| Emergency room | $250 Copay after deductible and 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $15 Copay after deductible |
| Preferred brand drugs | $100 Copay after deductible |
| Specialty drugs | 40% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-288-2738 · TTY 1-800-481-8704 |
Where it is sold, and what it costs there
68 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Saint Clair County | $536.61 | $609.05 | $685.79 | $958.39 | $1,456.36 |
| Genesee County | $550.81 | $625.17 | $703.94 | $983.75 | $1,494.90 |
| Lapeer County | $550.81 | $625.17 | $703.94 | $983.75 | $1,494.90 |
| Shiawassee County | $550.81 | $625.17 | $703.94 | $983.75 | $1,494.90 |
| Arenac County | $554.39 | $629.23 | $708.51 | $990.14 | $1,504.61 |
| Bay County | $554.39 | $629.23 | $708.51 | $990.14 | $1,504.61 |
| Gratiot County | $554.39 | $629.23 | $708.51 | $990.14 | $1,504.61 |
| Saginaw County | $554.39 | $629.23 | $708.51 | $990.14 | $1,504.61 |
| Antrim County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Benzie County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Charlevoix County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Emmet County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Grand Traverse County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Kalkaska County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Leelanau County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Manistee County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Missaukee County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Wexford County | $576.93 | $654.82 | $737.32 | $1,030.40 | $1,565.79 |
| Clare County | $579.28 | $657.48 | $740.32 | $1,034.59 | $1,572.17 |
| Gladwin County | $579.28 | $657.48 | $740.32 | $1,034.59 | $1,572.17 |
| Isabella County | $579.28 | $657.48 | $740.32 | $1,034.59 | $1,572.17 |
| Midland County | $579.28 | $657.48 | $740.32 | $1,034.59 | $1,572.17 |
| Macomb County | $598.55 | $679.35 | $764.95 | $1,069.01 | $1,624.46 |
| Oakland County | $598.55 | $679.35 | $764.95 | $1,069.01 | $1,624.46 |
| Monroe County | $598.61 | $679.42 | $765.02 | $1,069.12 | $1,624.63 |
| Wayne County | $598.61 | $679.42 | $765.02 | $1,069.12 | $1,624.63 |
| Clinton County | $607.75 | $689.80 | $776.70 | $1,085.44 | $1,649.43 |
| Eaton County | $607.75 | $689.80 | $776.70 | $1,085.44 | $1,649.43 |
| Hillsdale County | $607.75 | $689.80 | $776.70 | $1,085.44 | $1,649.43 |
| Ingham County | $607.75 | $689.80 | $776.70 | $1,085.44 | $1,649.43 |
| Jackson County | $607.75 | $689.80 | $776.70 | $1,085.44 | $1,649.43 |
| Alcona County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Alpena County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Cheboygan County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Crawford County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Iosco County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Montmorency County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Ogemaw County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Oscoda County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Otsego County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Presque Isle County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Roscommon County | $610.28 | $692.67 | $779.94 | $1,089.96 | $1,656.30 |
| Branch County | $616.46 | $699.68 | $787.84 | $1,101 | $1,673.07 |
| Calhoun County | $616.46 | $699.68 | $787.84 | $1,101 | $1,673.07 |
| Kalamazoo County | $616.46 | $699.68 | $787.84 | $1,101 | $1,673.07 |
| Huron County | $619.18 | $702.77 | $791.31 | $1,105.86 | $1,680.45 |
| Sanilac County | $619.18 | $702.77 | $791.31 | $1,105.86 | $1,680.45 |
| Tuscola County | $619.18 | $702.77 | $791.31 | $1,105.86 | $1,680.45 |
| Lenawee County | $642.09 | $728.77 | $820.59 | $1,146.77 | $1,742.63 |
| Livingston County | $642.09 | $728.77 | $820.59 | $1,146.77 | $1,742.63 |
| Washtenaw County | $642.09 | $728.77 | $820.59 | $1,146.77 | $1,742.63 |
| Berrien County | $662.84 | $752.32 | $847.11 | $1,183.83 | $1,798.95 |
| Cass County | $662.84 | $752.32 | $847.11 | $1,183.83 | $1,798.95 |
| Saint Joseph County | $662.84 | $752.32 | $847.11 | $1,183.83 | $1,798.95 |
| Van Buren County | $662.84 | $752.32 | $847.11 | $1,183.83 | $1,798.95 |
| Allegan County | $670.13 | $760.60 | $856.43 | $1,196.85 | $1,818.73 |
| Barry County | $670.13 | $760.60 | $856.43 | $1,196.85 | $1,818.73 |
| Ionia County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Kent County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Lake County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Mason County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Mecosta County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Montcalm County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Muskegon County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Newaygo County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Oceana County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Osceola County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
| Ottawa County | $755.84 | $857.88 | $965.96 | $1,349.93 | $2,051.35 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.