Blue Cross® Preferred HMO Gold
Gold · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $723.44 and $940.03 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 | 98185MI0180009 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $2,050 |
| Deductible (family) | $4,100 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,800 |
| Family maximum | $17,600 |
| 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
83 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 | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Benzie County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Charlevoix County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Emmet County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Grand Traverse County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Kalkaska County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Leelanau County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Manistee County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Missaukee County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Wexford County | $566.07 | $642.49 | $723.44 | $1,011 | $1,536.31 |
| Genesee County | $578.17 | $656.22 | $738.90 | $1,032.61 | $1,569.15 |
| Lapeer County | $578.17 | $656.22 | $738.90 | $1,032.61 | $1,569.15 |
| Shiawassee County | $578.17 | $656.22 | $738.90 | $1,032.61 | $1,569.15 |
| Macomb County | $579.15 | $657.34 | $740.15 | $1,034.36 | $1,571.81 |
| Oakland County | $579.15 | $657.34 | $740.15 | $1,034.36 | $1,571.81 |
| Monroe County | $584.87 | $663.83 | $747.46 | $1,044.58 | $1,587.34 |
| Wayne County | $584.87 | $663.83 | $747.46 | $1,044.58 | $1,587.34 |
| Arenac County | $605.01 | $686.69 | $773.20 | $1,080.55 | $1,642 |
| Bay County | $605.01 | $686.69 | $773.20 | $1,080.55 | $1,642 |
| Gratiot County | $605.01 | $686.69 | $773.20 | $1,080.55 | $1,642 |
| Saginaw County | $605.01 | $686.69 | $773.20 | $1,080.55 | $1,642 |
| Huron County | $616.38 | $699.59 | $787.73 | $1,100.85 | $1,672.86 |
| Sanilac County | $616.38 | $699.59 | $787.73 | $1,100.85 | $1,672.86 |
| Tuscola County | $616.38 | $699.59 | $787.73 | $1,100.85 | $1,672.86 |
| Alcona County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Alpena County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Cheboygan County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Chippewa County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Crawford County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Iosco County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Mackinac County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Montmorency County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Ogemaw County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Oscoda County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Otsego County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Presque Isle County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Roscommon County | $617.30 | $700.64 | $788.91 | $1,102.50 | $1,675.35 |
| Saint Clair County | $622.58 | $706.63 | $795.66 | $1,111.93 | $1,689.68 |
| Clinton County | $628.11 | $712.90 | $802.72 | $1,121.80 | $1,704.69 |
| Eaton County | $628.11 | $712.90 | $802.72 | $1,121.80 | $1,704.69 |
| Hillsdale County | $628.11 | $712.90 | $802.72 | $1,121.80 | $1,704.69 |
| Ingham County | $628.11 | $712.90 | $802.72 | $1,121.80 | $1,704.69 |
| Jackson County | $628.11 | $712.90 | $802.72 | $1,121.80 | $1,704.69 |
| Lenawee County | $635.85 | $721.69 | $812.62 | $1,135.63 | $1,725.70 |
| Livingston County | $635.85 | $721.69 | $812.62 | $1,135.63 | $1,725.70 |
| Washtenaw County | $635.85 | $721.69 | $812.62 | $1,135.63 | $1,725.70 |
| Clare County | $651.58 | $739.54 | $832.72 | $1,163.72 | $1,768.39 |
| Gladwin County | $651.58 | $739.54 | $832.72 | $1,163.72 | $1,768.39 |
| Isabella County | $651.58 | $739.54 | $832.72 | $1,163.72 | $1,768.39 |
| Midland County | $651.58 | $739.54 | $832.72 | $1,163.72 | $1,768.39 |
| Branch County | $694.21 | $787.93 | $887.20 | $1,239.86 | $1,884.09 |
| Calhoun County | $694.21 | $787.93 | $887.20 | $1,239.86 | $1,884.09 |
| Kalamazoo County | $694.21 | $787.93 | $887.20 | $1,239.86 | $1,884.09 |
| Ionia County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Kent County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Lake County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Mason County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Mecosta County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Montcalm County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Muskegon County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Newaygo County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Oceana County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Osceola County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Ottawa County | $698.32 | $792.59 | $892.45 | $1,247.20 | $1,895.24 |
| Allegan County | $721.98 | $819.45 | $922.69 | $1,289.46 | $1,959.45 |
| Barry County | $721.98 | $819.45 | $922.69 | $1,289.46 | $1,959.45 |
| Berrien County | $729.04 | $827.46 | $931.71 | $1,302.07 | $1,978.61 |
| Cass County | $729.04 | $827.46 | $931.71 | $1,302.07 | $1,978.61 |
| Saint Joseph County | $729.04 | $827.46 | $931.71 | $1,302.07 | $1,978.61 |
| Van Buren County | $729.04 | $827.46 | $931.71 | $1,302.07 | $1,978.61 |
| Alger County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Baraga County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Delta County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Dickinson County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Gogebic County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Houghton County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Iron County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Keweenaw County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Luce County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Marquette County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Menominee County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Ontonagon County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
| Schoolcraft County | $735.55 | $834.85 | $940.03 | $1,313.69 | $1,996.28 |
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.