MHP Young Adult/Catastrophic
Catastrophic · HMO · McLaren Health Plan Community · Michigan
At age 40 it costs between $376.55 and $513.66 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 74917MI0020004 |
|---|---|
| Insurer | McLaren Health Plan Community |
| Metal level | Catastrophic |
| Plan type | HMO |
| Deductible (individual) | $10,600 |
| Deductible (family) | $21,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | No Charge after Deductible |
| Specialist visit | No Charge after Deductible |
| 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 | 99.96% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-327-0671 · TTY 1-800-356-3232 |
Where it is sold, and what it costs there
60 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 |
|---|---|---|---|---|---|
| Clinton County | $294.64 | $334.42 | $376.55 | $526.23 | $799.66 |
| Eaton County | $294.64 | $334.42 | $376.55 | $526.23 | $799.66 |
| Hillsdale County | $294.64 | $334.42 | $376.55 | $526.23 | $799.66 |
| Ingham County | $294.64 | $334.42 | $376.55 | $526.23 | $799.66 |
| Jackson County | $294.64 | $334.42 | $376.55 | $526.23 | $799.66 |
| Genesee County | $300.90 | $341.53 | $384.56 | $537.42 | $816.66 |
| Lapeer County | $300.90 | $341.53 | $384.56 | $537.42 | $816.66 |
| Saint Clair County | $300.90 | $341.53 | $384.56 | $537.42 | $816.66 |
| Shiawassee County | $300.90 | $341.53 | $384.56 | $537.42 | $816.66 |
| Arenac County | $314.91 | $357.42 | $402.45 | $562.42 | $854.65 |
| Bay County | $314.91 | $357.42 | $402.45 | $562.42 | $854.65 |
| Gratiot County | $314.91 | $357.42 | $402.45 | $562.42 | $854.65 |
| Huron County | $314.91 | $357.42 | $402.45 | $562.42 | $854.65 |
| Saginaw County | $314.91 | $357.42 | $402.45 | $562.42 | $854.65 |
| Sanilac County | $314.91 | $357.42 | $402.45 | $562.42 | $854.65 |
| Tuscola County | $314.91 | $357.42 | $402.45 | $562.42 | $854.65 |
| Alcona County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Alpena County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Antrim County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Benzie County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Charlevoix County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Cheboygan County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Crawford County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Emmet County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Grand Traverse County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Iosco County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Kalkaska County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Leelanau County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Manistee County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Missaukee County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Montmorency County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Ogemaw County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Oscoda County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Otsego County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Presque Isle County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Roscommon County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Wexford County | $319.67 | $362.82 | $408.53 | $570.92 | $867.57 |
| Macomb County | $325.71 | $369.69 | $416.26 | $581.73 | $883.99 |
| Oakland County | $325.71 | $369.69 | $416.26 | $581.73 | $883.99 |
| Allegan County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Barry County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Calhoun County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Clare County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Gladwin County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Ionia County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Isabella County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Kalamazoo County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Kent County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Lake County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Mason County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Mecosta County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Midland County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Montcalm County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Newaygo County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Osceola County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Ottawa County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Saint Joseph County | $372.23 | $422.48 | $475.71 | $664.81 | $1,010.24 |
| Livingston County | $401.92 | $456.18 | $513.66 | $717.83 | $1,090.82 |
| Washtenaw County | $401.92 | $456.18 | $513.66 | $717.83 | $1,090.82 |
| Wayne County | $401.92 | $456.18 | $513.66 | $717.83 | $1,090.82 |
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.