UHC Silver Advantage+ (Dental + Vision, No Referrals)
Silver · HMO · UnitedHealthcare · Michigan
At age 40 it costs between $531.47 and $593.70 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 | $2,900 | $10,400 | $30 | $5 |
| up to 150% of the federal poverty level | $150 | $1,900 | $5 | $1 |
| 150% to 200% | $1,000 | $3,200 | $15 | $3 |
| 200% to 250% | $2,900 | $7,600 | $30 | $3 |
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 | 71667MI0050001 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $2,900 |
| Deductible (family) | $5,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,400 |
| Family maximum | $20,800 |
| Primary care visit | $30 |
| Specialist visit | $100 |
| Emergency room | $1,000 Copay after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $5 |
| Preferred brand drugs | $85 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 96.31% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-200-0324 · TTY 1-888-200-0324 |
Where it is sold, and what it costs there
12 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 |
|---|---|---|---|---|---|
| Macomb County | $415.86 | $472.01 | $531.47 | $742.73 | $1,128.66 |
| Oakland County | $415.86 | $472.01 | $531.47 | $742.73 | $1,128.66 |
| Monroe County | $416.37 | $472.58 | $532.12 | $743.63 | $1,130.02 |
| Wayne County | $416.37 | $472.58 | $532.12 | $743.63 | $1,130.02 |
| Kent County | $419.02 | $475.59 | $535.51 | $748.37 | $1,137.22 |
| Genesee County | $419.34 | $475.95 | $535.91 | $748.94 | $1,138.08 |
| Shiawassee County | $419.34 | $475.95 | $535.91 | $748.94 | $1,138.08 |
| Hillsdale County | $455.19 | $516.64 | $581.73 | $812.96 | $1,235.37 |
| Van Buren County | $456.30 | $517.90 | $583.15 | $814.95 | $1,238.40 |
| Branch County | $464.56 | $527.27 | $593.70 | $829.70 | $1,260.81 |
| Calhoun County | $464.56 | $527.27 | $593.70 | $829.70 | $1,260.81 |
| Kalamazoo County | $464.56 | $527.27 | $593.70 | $829.70 | $1,260.81 |
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.