MHP Silver Exchange Rewards
Silver · HMO · McLaren Health Plan Community · Michigan
At age 40 it costs between $618.09 and $843.14 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 | $2,000 | $9,000 | No Charge after Deductible | $10 |
| up to 150% of the federal poverty level | $250 | $1,000 | No Charge after Deductible | $5 |
| 150% to 200% | $500 | $3,000 | No Charge after Deductible | $5 |
| 200% to 250% | $2,000 | $6,950 | No Charge after Deductible | $10 |
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 | 74917MI0020017 |
|---|---|
| Insurer | McLaren Health Plan Community |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,000 |
| Family maximum | $18,000 |
| 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 | $10 |
| Preferred brand drugs | $85 |
| 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 | $483.64 | $548.93 | $618.09 | $863.78 | $1,312.59 |
| Eaton County | $483.64 | $548.93 | $618.09 | $863.78 | $1,312.59 |
| Hillsdale County | $483.64 | $548.93 | $618.09 | $863.78 | $1,312.59 |
| Ingham County | $483.64 | $548.93 | $618.09 | $863.78 | $1,312.59 |
| Jackson County | $483.64 | $548.93 | $618.09 | $863.78 | $1,312.59 |
| Genesee County | $493.92 | $560.60 | $631.23 | $882.14 | $1,340.50 |
| Lapeer County | $493.92 | $560.60 | $631.23 | $882.14 | $1,340.50 |
| Saint Clair County | $493.92 | $560.60 | $631.23 | $882.14 | $1,340.50 |
| Shiawassee County | $493.92 | $560.60 | $631.23 | $882.14 | $1,340.50 |
| Arenac County | $516.90 | $586.68 | $660.60 | $923.19 | $1,402.87 |
| Bay County | $516.90 | $586.68 | $660.60 | $923.19 | $1,402.87 |
| Gratiot County | $516.90 | $586.68 | $660.60 | $923.19 | $1,402.87 |
| Huron County | $516.90 | $586.68 | $660.60 | $923.19 | $1,402.87 |
| Saginaw County | $516.90 | $586.68 | $660.60 | $923.19 | $1,402.87 |
| Sanilac County | $516.90 | $586.68 | $660.60 | $923.19 | $1,402.87 |
| Tuscola County | $516.90 | $586.68 | $660.60 | $923.19 | $1,402.87 |
| Alcona County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Alpena County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Antrim County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Benzie County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Charlevoix County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Cheboygan County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Crawford County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Emmet County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Grand Traverse County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Iosco County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Kalkaska County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Leelanau County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Manistee County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Missaukee County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Montmorency County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Ogemaw County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Oscoda County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Otsego County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Presque Isle County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Roscommon County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Wexford County | $524.71 | $595.55 | $670.58 | $937.14 | $1,424.07 |
| Macomb County | $534.64 | $606.82 | $683.27 | $954.87 | $1,451.02 |
| Oakland County | $534.64 | $606.82 | $683.27 | $954.87 | $1,451.02 |
| Allegan County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Barry County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Calhoun County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Clare County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Gladwin County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Ionia County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Isabella County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Kalamazoo County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Kent County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Lake County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Mason County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Mecosta County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Midland County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Montcalm County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Newaygo County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Osceola County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Ottawa County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Saint Joseph County | $611 | $693.48 | $780.86 | $1,091.24 | $1,658.25 |
| Livingston County | $659.73 | $748.80 | $843.14 | $1,178.29 | $1,790.52 |
| Washtenaw County | $659.73 | $748.80 | $843.14 | $1,178.29 | $1,790.52 |
| Wayne County | $659.73 | $748.80 | $843.14 | $1,178.29 | $1,790.52 |
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.