MHP Silver Standard
Silver · HMO · McLaren Health Plan Community · Michigan
At age 40 it costs between $640.16 and $873.24 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 | 74917MI0020019 |
|---|---|
| Insurer | McLaren Health Plan Community |
| 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 | 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 | $500.90 | $568.53 | $640.16 | $894.62 | $1,359.46 |
| Eaton County | $500.90 | $568.53 | $640.16 | $894.62 | $1,359.46 |
| Hillsdale County | $500.90 | $568.53 | $640.16 | $894.62 | $1,359.46 |
| Ingham County | $500.90 | $568.53 | $640.16 | $894.62 | $1,359.46 |
| Jackson County | $500.90 | $568.53 | $640.16 | $894.62 | $1,359.46 |
| Genesee County | $511.55 | $580.61 | $653.77 | $913.63 | $1,388.36 |
| Lapeer County | $511.55 | $580.61 | $653.77 | $913.63 | $1,388.36 |
| Saint Clair County | $511.55 | $580.61 | $653.77 | $913.63 | $1,388.36 |
| Shiawassee County | $511.55 | $580.61 | $653.77 | $913.63 | $1,388.36 |
| Arenac County | $535.36 | $607.63 | $684.19 | $956.15 | $1,452.96 |
| Bay County | $535.36 | $607.63 | $684.19 | $956.15 | $1,452.96 |
| Gratiot County | $535.36 | $607.63 | $684.19 | $956.15 | $1,452.96 |
| Huron County | $535.36 | $607.63 | $684.19 | $956.15 | $1,452.96 |
| Saginaw County | $535.36 | $607.63 | $684.19 | $956.15 | $1,452.96 |
| Sanilac County | $535.36 | $607.63 | $684.19 | $956.15 | $1,452.96 |
| Tuscola County | $535.36 | $607.63 | $684.19 | $956.15 | $1,452.96 |
| Alcona County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Alpena County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Antrim County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Benzie County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Charlevoix County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Cheboygan County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Crawford County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Emmet County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Grand Traverse County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Iosco County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Kalkaska County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Leelanau County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Manistee County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Missaukee County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Montmorency County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Ogemaw County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Oscoda County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Otsego County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Presque Isle County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Roscommon County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Wexford County | $543.45 | $616.81 | $694.53 | $970.60 | $1,474.92 |
| Macomb County | $553.73 | $628.48 | $707.67 | $988.96 | $1,502.82 |
| Oakland County | $553.73 | $628.48 | $707.67 | $988.96 | $1,502.82 |
| Allegan County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Barry County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Calhoun County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Clare County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Gladwin County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Ionia County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Isabella County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Kalamazoo County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Kent County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Lake County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Mason County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Mecosta County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Midland County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Montcalm County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Newaygo County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Osceola County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Ottawa County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Saint Joseph County | $632.81 | $718.24 | $808.73 | $1,130.20 | $1,717.45 |
| Livingston County | $683.29 | $775.53 | $873.24 | $1,220.35 | $1,854.45 |
| Washtenaw County | $683.29 | $775.53 | $873.24 | $1,220.35 | $1,854.45 |
| Wayne County | $683.29 | $775.53 | $873.24 | $1,220.35 | $1,854.45 |
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.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.