Standard Silver + Vision + Adult Dental
Silver · HMO · Ambetter from Meridian · Michigan
At age 40 it costs between $402.30 and $617.84 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 | 58594MI0040025 |
|---|---|
| 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 | Yes |
| Child dental included | No |
| Share of premium buying essential health benefits | 96.45% |
| 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 | $314.80 | $357.29 | $402.30 | $562.22 | $854.34 |
| Lapeer County | $314.80 | $357.29 | $402.30 | $562.22 | $854.34 |
| Saint Clair County | $351.09 | $398.47 | $448.68 | $627.03 | $952.83 |
| Sanilac County | $358.04 | $406.37 | $457.57 | $639.45 | $971.71 |
| Tuscola County | $358.04 | $406.37 | $457.57 | $639.45 | $971.71 |
| Hillsdale County | $363.63 | $412.71 | $464.71 | $649.43 | $986.87 |
| Ingham County | $363.63 | $412.71 | $464.71 | $649.43 | $986.87 |
| Jackson County | $363.63 | $412.71 | $464.71 | $649.43 | $986.87 |
| Ogemaw County | $364.23 | $413.39 | $465.47 | $650.49 | $988.49 |
| Oscoda County | $364.23 | $413.39 | $465.47 | $650.49 | $988.49 |
| Roscommon County | $364.23 | $413.39 | $465.47 | $650.49 | $988.49 |
| Calhoun County | $365 | $414.26 | $466.46 | $651.87 | $990.58 |
| Kalamazoo County | $365 | $414.26 | $466.46 | $651.87 | $990.58 |
| Allegan County | $384.78 | $436.71 | $491.73 | $687.20 | $1,044.26 |
| Barry County | $384.78 | $436.71 | $491.73 | $687.20 | $1,044.26 |
| Washtenaw County | $396.69 | $450.23 | $506.95 | $708.46 | $1,076.58 |
| Berrien County | $412.95 | $468.69 | $527.74 | $737.51 | $1,120.72 |
| Cass County | $412.95 | $468.69 | $527.74 | $737.51 | $1,120.72 |
| Saint Joseph County | $412.95 | $468.69 | $527.74 | $737.51 | $1,120.72 |
| Van Buren County | $412.95 | $468.69 | $527.74 | $737.51 | $1,120.72 |
| Kent County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Lake County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Mason County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Mecosta County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Montcalm County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Muskegon County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Newaygo County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Oceana County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Osceola County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
| Ottawa County | $483.46 | $548.71 | $617.84 | $863.43 | $1,312.07 |
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.