MHP Silver Exchange
Silver · HMO · McLaren Health Plan Community · Michigan
At age 40 it costs between $632.22 and $862.41 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 | $4,250 | $10,150 | $30 | $20 |
| up to 150% of the federal poverty level | $250 | $1,000 | $10 | $10 |
| 150% to 200% | $750 | $2,900 | $20 | $15 |
| 200% to 250% | $4,250 | $7,500 | $25 | $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 | 74917MI0020005 |
|---|---|
| Insurer | McLaren Health Plan Community |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $4,250 |
| Deductible (family) | $8,500 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $30 |
| Specialist visit | $70 |
| Emergency room | 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% Coinsurance 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 | $494.69 | $561.47 | $632.22 | $883.52 | $1,342.59 |
| Eaton County | $494.69 | $561.47 | $632.22 | $883.52 | $1,342.59 |
| Hillsdale County | $494.69 | $561.47 | $632.22 | $883.52 | $1,342.59 |
| Ingham County | $494.69 | $561.47 | $632.22 | $883.52 | $1,342.59 |
| Jackson County | $494.69 | $561.47 | $632.22 | $883.52 | $1,342.59 |
| Genesee County | $505.21 | $573.41 | $645.66 | $902.30 | $1,371.13 |
| Lapeer County | $505.21 | $573.41 | $645.66 | $902.30 | $1,371.13 |
| Saint Clair County | $505.21 | $573.41 | $645.66 | $902.30 | $1,371.13 |
| Shiawassee County | $505.21 | $573.41 | $645.66 | $902.30 | $1,371.13 |
| Arenac County | $528.72 | $600.09 | $675.70 | $944.29 | $1,434.93 |
| Bay County | $528.72 | $600.09 | $675.70 | $944.29 | $1,434.93 |
| Gratiot County | $528.72 | $600.09 | $675.70 | $944.29 | $1,434.93 |
| Huron County | $528.72 | $600.09 | $675.70 | $944.29 | $1,434.93 |
| Saginaw County | $528.72 | $600.09 | $675.70 | $944.29 | $1,434.93 |
| Sanilac County | $528.72 | $600.09 | $675.70 | $944.29 | $1,434.93 |
| Tuscola County | $528.72 | $600.09 | $675.70 | $944.29 | $1,434.93 |
| Alcona County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Alpena County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Antrim County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Benzie County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Charlevoix County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Cheboygan County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Crawford County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Emmet County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Grand Traverse County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Iosco County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Kalkaska County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Leelanau County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Manistee County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Missaukee County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Montmorency County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Ogemaw County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Oscoda County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Otsego County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Presque Isle County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Roscommon County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Wexford County | $536.71 | $609.16 | $685.91 | $958.56 | $1,456.62 |
| Macomb County | $546.86 | $620.69 | $698.89 | $976.70 | $1,484.18 |
| Oakland County | $546.86 | $620.69 | $698.89 | $976.70 | $1,484.18 |
| Allegan County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Barry County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Calhoun County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Clare County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Gladwin County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Ionia County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Isabella County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Kalamazoo County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Kent County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Lake County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Mason County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Mecosta County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Midland County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Montcalm County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Newaygo County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Osceola County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Ottawa County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Saint Joseph County | $624.96 | $709.33 | $798.70 | $1,116.18 | $1,696.15 |
| Livingston County | $674.81 | $765.91 | $862.41 | $1,205.22 | $1,831.44 |
| Washtenaw County | $674.81 | $765.91 | $862.41 | $1,205.22 | $1,831.44 |
| Wayne County | $674.81 | $765.91 | $862.41 | $1,205.22 | $1,831.44 |
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.