Blue Cross® Premier PPO Silver Extra
Silver · PPO · Blue Cross Blue Shield of Michigan Mutual Insurance Company · Michigan
At age 40 it costs between $744.10 and $1,048.11 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 15560MI1130001 |
|---|---|
| Insurer | Blue Cross Blue Shield of Michigan Mutual Insurance Company |
| Metal level | Silver |
| Plan type | PPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | $582.24 | $660.84 | $744.10 | $1,039.88 | $1,580.20 |
| Genesee County | $597.65 | $678.33 | $763.80 | $1,067.40 | $1,622.02 |
| Lapeer County | $597.65 | $678.33 | $763.80 | $1,067.40 | $1,622.02 |
| Shiawassee County | $597.65 | $678.33 | $763.80 | $1,067.40 | $1,622.02 |
| Arenac County | $601.54 | $682.75 | $768.77 | $1,074.35 | $1,632.58 |
| Bay County | $601.54 | $682.75 | $768.77 | $1,074.35 | $1,632.58 |
| Gratiot County | $601.54 | $682.75 | $768.77 | $1,074.35 | $1,632.58 |
| Saginaw County | $601.54 | $682.75 | $768.77 | $1,074.35 | $1,632.58 |
| Antrim County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Benzie County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Charlevoix County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Emmet County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Grand Traverse County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Kalkaska County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Leelanau County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Manistee County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Missaukee County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Wexford County | $626 | $710.51 | $800.03 | $1,118.04 | $1,698.96 |
| Clare County | $628.54 | $713.39 | $803.27 | $1,122.57 | $1,705.86 |
| Gladwin County | $628.54 | $713.39 | $803.27 | $1,122.57 | $1,705.86 |
| Isabella County | $628.54 | $713.39 | $803.27 | $1,122.57 | $1,705.86 |
| Midland County | $628.54 | $713.39 | $803.27 | $1,122.57 | $1,705.86 |
| Macomb County | $649.45 | $737.13 | $830 | $1,159.92 | $1,762.61 |
| Oakland County | $649.45 | $737.13 | $830 | $1,159.92 | $1,762.61 |
| Monroe County | $649.52 | $737.21 | $830.09 | $1,160.04 | $1,762.80 |
| Wayne County | $649.52 | $737.21 | $830.09 | $1,160.04 | $1,762.80 |
| Clinton County | $659.44 | $748.46 | $842.76 | $1,177.76 | $1,789.72 |
| Eaton County | $659.44 | $748.46 | $842.76 | $1,177.76 | $1,789.72 |
| Hillsdale County | $659.44 | $748.46 | $842.76 | $1,177.76 | $1,789.72 |
| Ingham County | $659.44 | $748.46 | $842.76 | $1,177.76 | $1,789.72 |
| Jackson County | $659.44 | $748.46 | $842.76 | $1,177.76 | $1,789.72 |
| Alcona County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Alpena County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Cheboygan County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Chippewa County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Crawford County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Iosco County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Mackinac County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Montmorency County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Ogemaw County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Oscoda County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Otsego County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Presque Isle County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Roscommon County | $662.18 | $751.57 | $846.27 | $1,182.65 | $1,797.16 |
| Branch County | $668.88 | $759.18 | $854.83 | $1,194.62 | $1,815.34 |
| Calhoun County | $668.88 | $759.18 | $854.83 | $1,194.62 | $1,815.34 |
| Kalamazoo County | $668.88 | $759.18 | $854.83 | $1,194.62 | $1,815.34 |
| Huron County | $671.83 | $762.53 | $858.60 | $1,199.89 | $1,823.35 |
| Sanilac County | $671.83 | $762.53 | $858.60 | $1,199.89 | $1,823.35 |
| Tuscola County | $671.83 | $762.53 | $858.60 | $1,199.89 | $1,823.35 |
| Lenawee County | $696.69 | $790.74 | $890.37 | $1,244.29 | $1,890.82 |
| Livingston County | $696.69 | $790.74 | $890.37 | $1,244.29 | $1,890.82 |
| Washtenaw County | $696.69 | $790.74 | $890.37 | $1,244.29 | $1,890.82 |
| Berrien County | $719.21 | $816.30 | $919.15 | $1,284.51 | $1,951.94 |
| Cass County | $719.21 | $816.30 | $919.15 | $1,284.51 | $1,951.94 |
| Saint Joseph County | $719.21 | $816.30 | $919.15 | $1,284.51 | $1,951.94 |
| Van Buren County | $719.21 | $816.30 | $919.15 | $1,284.51 | $1,951.94 |
| Allegan County | $727.11 | $825.27 | $929.25 | $1,298.62 | $1,973.38 |
| Barry County | $727.11 | $825.27 | $929.25 | $1,298.62 | $1,973.38 |
| Alger County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Baraga County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Delta County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Dickinson County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Gogebic County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Houghton County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Iron County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Keweenaw County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Luce County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Marquette County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Menominee County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Ontonagon County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Schoolcraft County | $776.37 | $881.18 | $992.20 | $1,386.60 | $2,107.07 |
| Ionia County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Kent County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Lake County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Mason County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Mecosta County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Montcalm County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Muskegon County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Newaygo County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Oceana County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Osceola County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
| Ottawa County | $820.12 | $930.84 | $1,048.11 | $1,464.73 | $2,225.81 |
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.