Blue Cross® Preferred HMO Bronze Saver HSA
Expanded Bronze · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $469.38 and $609.93 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 | 98185MI0180028 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Deductible (individual) | $8,500 |
| Deductible (family) | $17,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,500 |
| Family maximum | $17,000 |
| 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 | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge 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 | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Benzie County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Charlevoix County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Emmet County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Grand Traverse County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Kalkaska County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Leelanau County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Manistee County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Missaukee County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Wexford County | $367.28 | $416.86 | $469.38 | $655.96 | $996.80 |
| Genesee County | $375.13 | $425.77 | $479.42 | $669.98 | $1,018.10 |
| Lapeer County | $375.13 | $425.77 | $479.42 | $669.98 | $1,018.10 |
| Shiawassee County | $375.13 | $425.77 | $479.42 | $669.98 | $1,018.10 |
| Macomb County | $375.77 | $426.50 | $480.23 | $671.13 | $1,019.84 |
| Oakland County | $375.77 | $426.50 | $480.23 | $671.13 | $1,019.84 |
| Monroe County | $379.48 | $430.71 | $484.98 | $677.75 | $1,029.91 |
| Wayne County | $379.48 | $430.71 | $484.98 | $677.75 | $1,029.91 |
| Arenac County | $392.55 | $445.54 | $501.68 | $701.09 | $1,065.38 |
| Bay County | $392.55 | $445.54 | $501.68 | $701.09 | $1,065.38 |
| Gratiot County | $392.55 | $445.54 | $501.68 | $701.09 | $1,065.38 |
| Saginaw County | $392.55 | $445.54 | $501.68 | $701.09 | $1,065.38 |
| Huron County | $399.93 | $453.92 | $511.11 | $714.27 | $1,085.41 |
| Sanilac County | $399.93 | $453.92 | $511.11 | $714.27 | $1,085.41 |
| Tuscola County | $399.93 | $453.92 | $511.11 | $714.27 | $1,085.41 |
| Alcona County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Alpena County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Cheboygan County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Chippewa County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Crawford County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Iosco County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Mackinac County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Montmorency County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Ogemaw County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Oscoda County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Otsego County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Presque Isle County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Roscommon County | $400.52 | $454.59 | $511.86 | $715.33 | $1,087.01 |
| Saint Clair County | $403.95 | $458.48 | $516.25 | $721.45 | $1,096.32 |
| Clinton County | $407.54 | $462.56 | $520.84 | $727.87 | $1,106.06 |
| Eaton County | $407.54 | $462.56 | $520.84 | $727.87 | $1,106.06 |
| Hillsdale County | $407.54 | $462.56 | $520.84 | $727.87 | $1,106.06 |
| Ingham County | $407.54 | $462.56 | $520.84 | $727.87 | $1,106.06 |
| Jackson County | $407.54 | $462.56 | $520.84 | $727.87 | $1,106.06 |
| Lenawee County | $412.56 | $468.26 | $527.25 | $736.83 | $1,119.69 |
| Livingston County | $412.56 | $468.26 | $527.25 | $736.83 | $1,119.69 |
| Washtenaw County | $412.56 | $468.26 | $527.25 | $736.83 | $1,119.69 |
| Clare County | $422.76 | $479.83 | $540.29 | $755.05 | $1,147.37 |
| Gladwin County | $422.76 | $479.83 | $540.29 | $755.05 | $1,147.37 |
| Isabella County | $422.76 | $479.83 | $540.29 | $755.05 | $1,147.37 |
| Midland County | $422.76 | $479.83 | $540.29 | $755.05 | $1,147.37 |
| Branch County | $450.42 | $511.23 | $575.64 | $804.45 | $1,222.44 |
| Calhoun County | $450.42 | $511.23 | $575.64 | $804.45 | $1,222.44 |
| Kalamazoo County | $450.42 | $511.23 | $575.64 | $804.45 | $1,222.44 |
| Ionia County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Kent County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Lake County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Mason County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Mecosta County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Montcalm County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Muskegon County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Newaygo County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Oceana County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Osceola County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Ottawa County | $453.09 | $514.26 | $579.05 | $809.22 | $1,229.69 |
| Allegan County | $468.44 | $531.68 | $598.67 | $836.63 | $1,271.35 |
| Barry County | $468.44 | $531.68 | $598.67 | $836.63 | $1,271.35 |
| Berrien County | $473.02 | $536.88 | $604.52 | $844.81 | $1,283.78 |
| Cass County | $473.02 | $536.88 | $604.52 | $844.81 | $1,283.78 |
| Saint Joseph County | $473.02 | $536.88 | $604.52 | $844.81 | $1,283.78 |
| Van Buren County | $473.02 | $536.88 | $604.52 | $844.81 | $1,283.78 |
| Alger County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Baraga County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Delta County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Dickinson County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Gogebic County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Houghton County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Iron County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Keweenaw County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Luce County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Marquette County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Menominee County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Ontonagon County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
| Schoolcraft County | $477.25 | $541.68 | $609.93 | $852.37 | $1,295.26 |
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.