Blue Cross® Preferred HMO Silver
Silver · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $662.95 and $853.82 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 | $4,500 | $10,600 | $30 | $4 Copay after deductible |
| up to 150% of the federal poverty level | $500 | $850 | $10 | $4 Copay after deductible |
| 150% to 200% | $1,300 | $2,400 | $30 | $4 Copay after deductible |
| 200% to 250% | $4,300 | $7,000 | $30 | $4 Copay after deductible |
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 | 98185MI0180005 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $4,500 |
| Deductible (family) | $9,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $30 |
| Specialist visit | $50 Copay after deductible |
| Emergency room | $250 Copay after deductible and 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $4 Copay after deductible |
| Preferred brand drugs | $100 Copay after deductible |
| Specialty drugs | 40% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-227-2345 · TTY 1-800-257-9980 |
Where it is sold, and what it costs there
68 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 |
|---|---|---|---|---|---|
| Antrim County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Benzie County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Charlevoix County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Emmet County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Grand Traverse County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Kalkaska County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Leelanau County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Manistee County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Missaukee County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Wexford County | $518.74 | $588.77 | $662.95 | $926.47 | $1,407.86 |
| Genesee County | $529.83 | $601.36 | $677.12 | $946.28 | $1,437.96 |
| Lapeer County | $529.83 | $601.36 | $677.12 | $946.28 | $1,437.96 |
| Shiawassee County | $529.83 | $601.36 | $677.12 | $946.28 | $1,437.96 |
| Macomb County | $530.73 | $602.38 | $678.27 | $947.88 | $1,440.40 |
| Oakland County | $530.73 | $602.38 | $678.27 | $947.88 | $1,440.40 |
| Monroe County | $535.97 | $608.33 | $684.97 | $957.24 | $1,454.62 |
| Wayne County | $535.97 | $608.33 | $684.97 | $957.24 | $1,454.62 |
| Arenac County | $554.43 | $629.28 | $708.56 | $990.21 | $1,504.72 |
| Bay County | $554.43 | $629.28 | $708.56 | $990.21 | $1,504.72 |
| Gratiot County | $554.43 | $629.28 | $708.56 | $990.21 | $1,504.72 |
| Saginaw County | $554.43 | $629.28 | $708.56 | $990.21 | $1,504.72 |
| Huron County | $564.84 | $641.09 | $721.87 | $1,008.80 | $1,532.98 |
| Sanilac County | $564.84 | $641.09 | $721.87 | $1,008.80 | $1,532.98 |
| Tuscola County | $564.84 | $641.09 | $721.87 | $1,008.80 | $1,532.98 |
| Alcona County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Alpena County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Cheboygan County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Crawford County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Iosco County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Montmorency County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Ogemaw County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Oscoda County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Otsego County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Presque Isle County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Roscommon County | $565.69 | $642.06 | $722.95 | $1,010.32 | $1,535.28 |
| Saint Clair County | $570.53 | $647.55 | $729.14 | $1,018.97 | $1,548.42 |
| Clinton County | $575.60 | $653.31 | $735.62 | $1,028.02 | $1,562.18 |
| Eaton County | $575.60 | $653.31 | $735.62 | $1,028.02 | $1,562.18 |
| Hillsdale County | $575.60 | $653.31 | $735.62 | $1,028.02 | $1,562.18 |
| Ingham County | $575.60 | $653.31 | $735.62 | $1,028.02 | $1,562.18 |
| Jackson County | $575.60 | $653.31 | $735.62 | $1,028.02 | $1,562.18 |
| Lenawee County | $582.69 | $661.35 | $744.68 | $1,040.68 | $1,581.42 |
| Livingston County | $582.69 | $661.35 | $744.68 | $1,040.68 | $1,581.42 |
| Washtenaw County | $582.69 | $661.35 | $744.68 | $1,040.68 | $1,581.42 |
| Clare County | $597.10 | $677.71 | $763.09 | $1,066.42 | $1,620.53 |
| Gladwin County | $597.10 | $677.71 | $763.09 | $1,066.42 | $1,620.53 |
| Isabella County | $597.10 | $677.71 | $763.09 | $1,066.42 | $1,620.53 |
| Midland County | $597.10 | $677.71 | $763.09 | $1,066.42 | $1,620.53 |
| Branch County | $636.17 | $722.05 | $813.03 | $1,136.20 | $1,726.57 |
| Calhoun County | $636.17 | $722.05 | $813.03 | $1,136.20 | $1,726.57 |
| Kalamazoo County | $636.17 | $722.05 | $813.03 | $1,136.20 | $1,726.57 |
| Ionia County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Kent County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Lake County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Mason County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Mecosta County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Montcalm County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Muskegon County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Newaygo County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Oceana County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Osceola County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Ottawa County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Allegan County | $661.61 | $750.93 | $845.54 | $1,181.64 | $1,795.61 |
| Barry County | $661.61 | $750.93 | $845.54 | $1,181.64 | $1,795.61 |
| Berrien County | $668.09 | $758.28 | $853.82 | $1,193.21 | $1,813.20 |
| Cass County | $668.09 | $758.28 | $853.82 | $1,193.21 | $1,813.20 |
| Saint Joseph County | $668.09 | $758.28 | $853.82 | $1,193.21 | $1,813.20 |
| Van Buren County | $668.09 | $758.28 | $853.82 | $1,193.21 | $1,813.20 |
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.