Standard Silver
Silver · HMO · Ambetter from Meridian · Michigan
At age 40 it costs between $388.03 and $595.92 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 | 58594MI0030024 |
|---|---|
| Insurer | Ambetter from Meridian |
| Metal level | Silver |
| Plan type | HMO |
| 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 | 1-833-993-2426 · 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 | $303.63 | $344.61 | $388.03 | $542.27 | $824.03 |
| Lapeer County | $303.63 | $344.61 | $388.03 | $542.27 | $824.03 |
| Saint Clair County | $338.63 | $384.34 | $432.76 | $604.78 | $919.02 |
| Sanilac County | $345.34 | $391.95 | $441.33 | $616.76 | $937.23 |
| Tuscola County | $345.34 | $391.95 | $441.33 | $616.76 | $937.23 |
| Hillsdale County | $350.73 | $398.07 | $448.22 | $626.38 | $951.85 |
| Ingham County | $350.73 | $398.07 | $448.22 | $626.38 | $951.85 |
| Jackson County | $350.73 | $398.07 | $448.22 | $626.38 | $951.85 |
| Ogemaw County | $351.30 | $398.72 | $448.95 | $627.41 | $953.41 |
| Oscoda County | $351.30 | $398.72 | $448.95 | $627.41 | $953.41 |
| Roscommon County | $351.30 | $398.72 | $448.95 | $627.41 | $953.41 |
| Calhoun County | $352.05 | $399.56 | $449.91 | $628.74 | $955.44 |
| Kalamazoo County | $352.05 | $399.56 | $449.91 | $628.74 | $955.44 |
| Allegan County | $371.13 | $421.22 | $474.29 | $662.81 | $1,007.21 |
| Barry County | $371.13 | $421.22 | $474.29 | $662.81 | $1,007.21 |
| Washtenaw County | $382.61 | $434.25 | $488.96 | $683.33 | $1,038.38 |
| Berrien County | $398.30 | $452.06 | $509.01 | $711.34 | $1,080.96 |
| Cass County | $398.30 | $452.06 | $509.01 | $711.34 | $1,080.96 |
| Saint Joseph County | $398.30 | $452.06 | $509.01 | $711.34 | $1,080.96 |
| Van Buren County | $398.30 | $452.06 | $509.01 | $711.34 | $1,080.96 |
| Kent County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Lake County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Mason County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Mecosta County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Montcalm County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Muskegon County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Newaygo County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Oceana County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Osceola County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
| Ottawa County | $466.30 | $529.24 | $595.92 | $832.80 | $1,265.51 |
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.