Blue Cross® Premier PPO Gold
Gold · PPO · Blue Cross Blue Shield of Michigan Mutual Insurance Company · Michigan
At age 40 it costs between $774.25 and $1,090.58 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 15560MI0350004 |
|---|---|
| Insurer | Blue Cross Blue Shield of Michigan Mutual Insurance Company |
| Metal level | Gold |
| Plan type | PPO |
| Deductible (individual) | $1,450 |
| Deductible (family) | $2,900 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,000 |
| Family maximum | $18,000 |
| 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
83 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 | $605.83 | $687.62 | $774.25 | $1,082.01 | $1,644.22 |
| Genesee County | $621.87 | $705.82 | $794.75 | $1,110.66 | $1,687.76 |
| Lapeer County | $621.87 | $705.82 | $794.75 | $1,110.66 | $1,687.76 |
| Shiawassee County | $621.87 | $705.82 | $794.75 | $1,110.66 | $1,687.76 |
| Arenac County | $625.91 | $710.41 | $799.91 | $1,117.88 | $1,698.72 |
| Bay County | $625.91 | $710.41 | $799.91 | $1,117.88 | $1,698.72 |
| Gratiot County | $625.91 | $710.41 | $799.91 | $1,117.88 | $1,698.72 |
| Saginaw County | $625.91 | $710.41 | $799.91 | $1,117.88 | $1,698.72 |
| Antrim County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Benzie County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Charlevoix County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Emmet County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Grand Traverse County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Kalkaska County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Leelanau County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Manistee County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Missaukee County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Wexford County | $651.36 | $739.29 | $832.44 | $1,163.33 | $1,767.79 |
| Clare County | $654.01 | $742.30 | $835.82 | $1,168.06 | $1,774.98 |
| Gladwin County | $654.01 | $742.30 | $835.82 | $1,168.06 | $1,774.98 |
| Isabella County | $654.01 | $742.30 | $835.82 | $1,168.06 | $1,774.98 |
| Midland County | $654.01 | $742.30 | $835.82 | $1,168.06 | $1,774.98 |
| Macomb County | $675.77 | $767 | $863.63 | $1,206.93 | $1,834.04 |
| Oakland County | $675.77 | $767 | $863.63 | $1,206.93 | $1,834.04 |
| Monroe County | $675.83 | $767.07 | $863.71 | $1,207.03 | $1,834.20 |
| Wayne County | $675.83 | $767.07 | $863.71 | $1,207.03 | $1,834.20 |
| Clinton County | $686.15 | $778.78 | $876.90 | $1,225.46 | $1,862.21 |
| Eaton County | $686.15 | $778.78 | $876.90 | $1,225.46 | $1,862.21 |
| Hillsdale County | $686.15 | $778.78 | $876.90 | $1,225.46 | $1,862.21 |
| Ingham County | $686.15 | $778.78 | $876.90 | $1,225.46 | $1,862.21 |
| Jackson County | $686.15 | $778.78 | $876.90 | $1,225.46 | $1,862.21 |
| Alcona County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Alpena County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Cheboygan County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Chippewa County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Crawford County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Iosco County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Mackinac County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Montmorency County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Ogemaw County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Oscoda County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Otsego County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Presque Isle County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Roscommon County | $689.01 | $782.03 | $880.55 | $1,230.57 | $1,869.97 |
| Branch County | $695.98 | $789.94 | $889.46 | $1,243.02 | $1,888.89 |
| Calhoun County | $695.98 | $789.94 | $889.46 | $1,243.02 | $1,888.89 |
| Kalamazoo County | $695.98 | $789.94 | $889.46 | $1,243.02 | $1,888.89 |
| Huron County | $699.05 | $793.42 | $893.39 | $1,248.50 | $1,897.22 |
| Sanilac County | $699.05 | $793.42 | $893.39 | $1,248.50 | $1,897.22 |
| Tuscola County | $699.05 | $793.42 | $893.39 | $1,248.50 | $1,897.22 |
| Lenawee County | $724.92 | $822.78 | $926.45 | $1,294.71 | $1,967.43 |
| Livingston County | $724.92 | $822.78 | $926.45 | $1,294.71 | $1,967.43 |
| Washtenaw County | $724.92 | $822.78 | $926.45 | $1,294.71 | $1,967.43 |
| Berrien County | $748.35 | $849.38 | $956.39 | $1,336.55 | $2,031.02 |
| Cass County | $748.35 | $849.38 | $956.39 | $1,336.55 | $2,031.02 |
| Saint Joseph County | $748.35 | $849.38 | $956.39 | $1,336.55 | $2,031.02 |
| Van Buren County | $748.35 | $849.38 | $956.39 | $1,336.55 | $2,031.02 |
| Allegan County | $756.58 | $858.72 | $966.91 | $1,351.25 | $2,053.36 |
| Barry County | $756.58 | $858.72 | $966.91 | $1,351.25 | $2,053.36 |
| Alger County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Baraga County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Delta County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Dickinson County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Gogebic County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Houghton County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Iron County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Keweenaw County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Luce County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Marquette County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Menominee County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Ontonagon County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Schoolcraft County | $807.82 | $916.88 | $1,032.39 | $1,442.77 | $2,192.42 |
| Ionia County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Kent County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Lake County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Mason County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Mecosta County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Montcalm County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Muskegon County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Newaygo County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Oceana County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Osceola County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
| Ottawa County | $853.35 | $968.55 | $1,090.58 | $1,524.08 | $2,315.99 |
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.