Blue Cross® Premier PPO Silver Saver HSA
Silver · PPO · Blue Cross Blue Shield of Michigan Mutual Insurance Company · Michigan
At age 40 it costs between $685.70 and $965.85 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 | $3,900 | $7,700 | $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% | $1,000 | $2,350 | $30 Copay after deductible | $15 Copay after deductible |
| 200% to 250% | $3,800 | $5,350 | $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 | 15560MI0350006 |
|---|---|
| Insurer | Blue Cross Blue Shield of Michigan Mutual Insurance Company |
| Metal level | Silver |
| Plan type | PPO |
| Deductible (individual) | $3,900 |
| Deductible (family) | $7,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,700 |
| Family maximum | $15,400 |
| 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 | $536.54 | $608.97 | $685.70 | $958.26 | $1,456.17 |
| Genesee County | $550.74 | $625.09 | $703.85 | $983.62 | $1,494.71 |
| Lapeer County | $550.74 | $625.09 | $703.85 | $983.62 | $1,494.71 |
| Shiawassee County | $550.74 | $625.09 | $703.85 | $983.62 | $1,494.71 |
| Arenac County | $554.32 | $629.15 | $708.42 | $990.02 | $1,504.42 |
| Bay County | $554.32 | $629.15 | $708.42 | $990.02 | $1,504.42 |
| Gratiot County | $554.32 | $629.15 | $708.42 | $990.02 | $1,504.42 |
| Saginaw County | $554.32 | $629.15 | $708.42 | $990.02 | $1,504.42 |
| Antrim County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Benzie County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Charlevoix County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Emmet County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Grand Traverse County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Kalkaska County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Leelanau County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Manistee County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Missaukee County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Wexford County | $576.86 | $654.74 | $737.23 | $1,030.27 | $1,565.60 |
| Clare County | $579.21 | $657.40 | $740.23 | $1,034.47 | $1,571.98 |
| Gladwin County | $579.21 | $657.40 | $740.23 | $1,034.47 | $1,571.98 |
| Isabella County | $579.21 | $657.40 | $740.23 | $1,034.47 | $1,571.98 |
| Midland County | $579.21 | $657.40 | $740.23 | $1,034.47 | $1,571.98 |
| Macomb County | $598.47 | $679.26 | $764.84 | $1,068.87 | $1,624.25 |
| Oakland County | $598.47 | $679.26 | $764.84 | $1,068.87 | $1,624.25 |
| Monroe County | $598.53 | $679.33 | $764.92 | $1,068.97 | $1,624.41 |
| Wayne County | $598.53 | $679.33 | $764.92 | $1,068.97 | $1,624.41 |
| Clinton County | $607.67 | $689.71 | $776.60 | $1,085.30 | $1,649.22 |
| Eaton County | $607.67 | $689.71 | $776.60 | $1,085.30 | $1,649.22 |
| Hillsdale County | $607.67 | $689.71 | $776.60 | $1,085.30 | $1,649.22 |
| Ingham County | $607.67 | $689.71 | $776.60 | $1,085.30 | $1,649.22 |
| Jackson County | $607.67 | $689.71 | $776.60 | $1,085.30 | $1,649.22 |
| Alcona County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Alpena County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Cheboygan County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Chippewa County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Crawford County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Iosco County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Mackinac County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Montmorency County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Ogemaw County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Oscoda County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Otsego County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Presque Isle County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Roscommon County | $610.20 | $692.58 | $779.84 | $1,089.82 | $1,656.08 |
| Branch County | $616.38 | $699.59 | $787.73 | $1,100.85 | $1,672.86 |
| Calhoun County | $616.38 | $699.59 | $787.73 | $1,100.85 | $1,672.86 |
| Kalamazoo County | $616.38 | $699.59 | $787.73 | $1,100.85 | $1,672.86 |
| Huron County | $619.10 | $702.68 | $791.21 | $1,105.71 | $1,680.24 |
| Sanilac County | $619.10 | $702.68 | $791.21 | $1,105.71 | $1,680.24 |
| Tuscola County | $619.10 | $702.68 | $791.21 | $1,105.71 | $1,680.24 |
| Lenawee County | $642 | $728.67 | $820.48 | $1,146.61 | $1,742.39 |
| Livingston County | $642 | $728.67 | $820.48 | $1,146.61 | $1,742.39 |
| Washtenaw County | $642 | $728.67 | $820.48 | $1,146.61 | $1,742.39 |
| Berrien County | $662.75 | $752.22 | $846.99 | $1,183.67 | $1,798.70 |
| Cass County | $662.75 | $752.22 | $846.99 | $1,183.67 | $1,798.70 |
| Saint Joseph County | $662.75 | $752.22 | $846.99 | $1,183.67 | $1,798.70 |
| Van Buren County | $662.75 | $752.22 | $846.99 | $1,183.67 | $1,798.70 |
| Allegan County | $670.04 | $760.50 | $856.31 | $1,196.69 | $1,818.49 |
| Barry County | $670.04 | $760.50 | $856.31 | $1,196.69 | $1,818.49 |
| Alger County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Baraga County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Delta County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Dickinson County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Gogebic County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Houghton County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Iron County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Keweenaw County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Luce County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Marquette County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Menominee County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Ontonagon County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Schoolcraft County | $715.42 | $812 | $914.31 | $1,277.74 | $1,941.65 |
| Ionia County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Kent County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Lake County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Mason County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Mecosta County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Montcalm County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Muskegon County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Newaygo County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Oceana County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Osceola County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
| Ottawa County | $755.75 | $857.78 | $965.85 | $1,349.77 | $2,051.11 |
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.