Clear Silver
Silver · HMO · Ambetter from Meridian · Michigan
At age 40 it costs between $384.98 and $591.23 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 | $7,000 | $7,000 | $50 | No Charge after Deductible |
| up to 150% of the federal poverty level | $850 | $850 | $5 | No Charge after Deductible |
| 150% to 200% | $2,100 | $2,100 | $25 | No Charge after Deductible |
| 200% to 250% | $5,800 | $5,800 | $45 | No Charge 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 | 58594MI0030017 |
|---|---|
| Insurer | Ambetter from Meridian |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $7,000 |
| Deductible (family) | $14,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,000 |
| Family maximum | $14,000 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | No Charge after Deductible |
| Inpatient stay | No Charge after Deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge 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 | 1-833-993-2426 · TTY 1-833-993-2426 |
Where it is sold, and what it costs there
30 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 |
|---|---|---|---|---|---|
| Genesee County | $301.24 | $341.90 | $384.98 | $538 | $817.55 |
| Lapeer County | $301.24 | $341.90 | $384.98 | $538 | $817.55 |
| Saint Clair County | $335.97 | $381.31 | $429.35 | $600.02 | $911.79 |
| Sanilac County | $342.62 | $388.87 | $437.86 | $611.91 | $929.85 |
| Tuscola County | $342.62 | $388.87 | $437.86 | $611.91 | $929.85 |
| Hillsdale County | $347.97 | $394.93 | $444.69 | $621.45 | $944.36 |
| Ingham County | $347.97 | $394.93 | $444.69 | $621.45 | $944.36 |
| Jackson County | $347.97 | $394.93 | $444.69 | $621.45 | $944.36 |
| Ogemaw County | $348.54 | $395.58 | $445.42 | $622.48 | $945.91 |
| Oscoda County | $348.54 | $395.58 | $445.42 | $622.48 | $945.91 |
| Roscommon County | $348.54 | $395.58 | $445.42 | $622.48 | $945.91 |
| Calhoun County | $349.28 | $396.42 | $446.37 | $623.80 | $947.92 |
| Kalamazoo County | $349.28 | $396.42 | $446.37 | $623.80 | $947.92 |
| Allegan County | $368.21 | $417.90 | $470.55 | $657.60 | $999.28 |
| Barry County | $368.21 | $417.90 | $470.55 | $657.60 | $999.28 |
| Washtenaw County | $379.60 | $430.84 | $485.12 | $677.95 | $1,030.21 |
| Berrien County | $395.17 | $448.50 | $505.01 | $705.75 | $1,072.45 |
| Cass County | $395.17 | $448.50 | $505.01 | $705.75 | $1,072.45 |
| Saint Joseph County | $395.17 | $448.50 | $505.01 | $705.75 | $1,072.45 |
| Van Buren County | $395.17 | $448.50 | $505.01 | $705.75 | $1,072.45 |
| Kent County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Lake County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Mason County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Mecosta County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Montcalm County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Muskegon County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Newaygo County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Oceana County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Osceola County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
| Ottawa County | $462.63 | $525.08 | $591.23 | $826.24 | $1,255.56 |
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.