Blue Cross® Preferred HMO Silver Saver
Silver · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $591.88 and $769.09 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 | $5,800 | $7,650 | $60 | $4 Copay after deductible |
| up to 150% of the federal poverty level | $400 | $850 | $25 | $4 Copay after deductible |
| 150% to 200% | $1,100 | $2,200 | $50 | $4 Copay after deductible |
| 200% to 250% | $3,700 | $6,350 | $60 | $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 | 98185MI0180015 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $5,800 |
| Deductible (family) | $11,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,650 |
| Family maximum | $15,300 |
| Primary care visit | $60 |
| Specialist visit | $110 |
| Emergency room | $250 Copay after deductible and 35% Coinsurance after deductible |
| Inpatient stay | 35% 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
80 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 | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Benzie County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Charlevoix County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Emmet County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Grand Traverse County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Kalkaska County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Leelanau County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Manistee County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Missaukee County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Wexford County | $463.13 | $525.65 | $591.88 | $827.15 | $1,256.93 |
| Genesee County | $473.03 | $536.89 | $604.53 | $844.83 | $1,283.80 |
| Lapeer County | $473.03 | $536.89 | $604.53 | $844.83 | $1,283.80 |
| Shiawassee County | $473.03 | $536.89 | $604.53 | $844.83 | $1,283.80 |
| Monroe County | $478.51 | $543.11 | $611.54 | $854.62 | $1,298.68 |
| Arenac County | $494.99 | $561.81 | $632.60 | $884.05 | $1,343.40 |
| Bay County | $494.99 | $561.81 | $632.60 | $884.05 | $1,343.40 |
| Gratiot County | $494.99 | $561.81 | $632.60 | $884.05 | $1,343.40 |
| Saginaw County | $494.99 | $561.81 | $632.60 | $884.05 | $1,343.40 |
| Huron County | $504.29 | $572.37 | $644.48 | $900.66 | $1,368.64 |
| Sanilac County | $504.29 | $572.37 | $644.48 | $900.66 | $1,368.64 |
| Tuscola County | $504.29 | $572.37 | $644.48 | $900.66 | $1,368.64 |
| Alcona County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Alpena County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Cheboygan County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Chippewa County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Crawford County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Iosco County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Mackinac County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Montmorency County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Ogemaw County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Oscoda County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Otsego County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Presque Isle County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Roscommon County | $505.04 | $573.22 | $645.44 | $902 | $1,370.68 |
| Saint Clair County | $509.36 | $578.12 | $650.96 | $909.72 | $1,382.40 |
| Clinton County | $513.89 | $583.27 | $656.75 | $917.81 | $1,394.70 |
| Eaton County | $513.89 | $583.27 | $656.75 | $917.81 | $1,394.70 |
| Hillsdale County | $513.89 | $583.27 | $656.75 | $917.81 | $1,394.70 |
| Ingham County | $513.89 | $583.27 | $656.75 | $917.81 | $1,394.70 |
| Jackson County | $513.89 | $583.27 | $656.75 | $917.81 | $1,394.70 |
| Lenawee County | $520.22 | $590.45 | $664.84 | $929.11 | $1,411.88 |
| Livingston County | $520.22 | $590.45 | $664.84 | $929.11 | $1,411.88 |
| Washtenaw County | $520.22 | $590.45 | $664.84 | $929.11 | $1,411.88 |
| Clare County | $533.09 | $605.06 | $681.29 | $952.10 | $1,446.81 |
| Gladwin County | $533.09 | $605.06 | $681.29 | $952.10 | $1,446.81 |
| Isabella County | $533.09 | $605.06 | $681.29 | $952.10 | $1,446.81 |
| Midland County | $533.09 | $605.06 | $681.29 | $952.10 | $1,446.81 |
| Branch County | $567.97 | $644.65 | $725.87 | $1,014.39 | $1,541.47 |
| Calhoun County | $567.97 | $644.65 | $725.87 | $1,014.39 | $1,541.47 |
| Kalamazoo County | $567.97 | $644.65 | $725.87 | $1,014.39 | $1,541.47 |
| Ionia County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Kent County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Lake County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Mason County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Mecosta County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Montcalm County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Muskegon County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Newaygo County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Oceana County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Osceola County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Ottawa County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Allegan County | $590.68 | $670.42 | $754.89 | $1,054.95 | $1,603.11 |
| Barry County | $590.68 | $670.42 | $754.89 | $1,054.95 | $1,603.11 |
| Berrien County | $596.46 | $676.98 | $762.28 | $1,065.28 | $1,618.79 |
| Cass County | $596.46 | $676.98 | $762.28 | $1,065.28 | $1,618.79 |
| Saint Joseph County | $596.46 | $676.98 | $762.28 | $1,065.28 | $1,618.79 |
| Van Buren County | $596.46 | $676.98 | $762.28 | $1,065.28 | $1,618.79 |
| Alger County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Baraga County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Delta County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Dickinson County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Gogebic County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Houghton County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Iron County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Keweenaw County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Luce County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Marquette County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Menominee County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Ontonagon County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
| Schoolcraft County | $601.79 | $683.03 | $769.09 | $1,074.80 | $1,633.26 |
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.