Blue Cross® Select HMO Value
Catastrophic · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $351.35 and $452.50 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 | 98185MI0440015 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Catastrophic |
| Plan type | HMO |
| Deductible (individual) | $10,600 |
| Deductible (family) | $21,200 |
| 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 | 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 | 99.90% |
| 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
31 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 |
|---|---|---|---|---|---|
| Benzie County | $274.92 | $312.03 | $351.35 | $491.01 | $746.13 |
| Grand Traverse County | $274.92 | $312.03 | $351.35 | $491.01 | $746.13 |
| Leelanau County | $274.92 | $312.03 | $351.35 | $491.01 | $746.13 |
| Manistee County | $274.92 | $312.03 | $351.35 | $491.01 | $746.13 |
| Wexford County | $274.92 | $312.03 | $351.35 | $491.01 | $746.13 |
| Genesee County | $280.80 | $318.71 | $358.86 | $501.51 | $762.09 |
| Lapeer County | $280.80 | $318.71 | $358.86 | $501.51 | $762.09 |
| Shiawassee County | $280.80 | $318.71 | $358.86 | $501.51 | $762.09 |
| Macomb County | $281.27 | $319.24 | $359.46 | $502.35 | $763.37 |
| Oakland County | $281.27 | $319.24 | $359.46 | $502.35 | $763.37 |
| Monroe County | $284.05 | $322.40 | $363.02 | $507.31 | $770.91 |
| Wayne County | $284.05 | $322.40 | $363.02 | $507.31 | $770.91 |
| Bay County | $293.84 | $333.51 | $375.53 | $524.80 | $797.48 |
| Saginaw County | $293.84 | $333.51 | $375.53 | $524.80 | $797.48 |
| Saint Clair County | $302.37 | $343.19 | $386.43 | $540.03 | $820.63 |
| Clinton County | $305.05 | $346.23 | $389.85 | $544.82 | $827.91 |
| Eaton County | $305.05 | $346.23 | $389.85 | $544.82 | $827.91 |
| Ingham County | $305.05 | $346.23 | $389.85 | $544.82 | $827.91 |
| Jackson County | $305.05 | $346.23 | $389.85 | $544.82 | $827.91 |
| Lenawee County | $308.81 | $350.50 | $394.66 | $551.53 | $838.11 |
| Livingston County | $308.81 | $350.50 | $394.66 | $551.53 | $838.11 |
| Washtenaw County | $308.81 | $350.50 | $394.66 | $551.53 | $838.11 |
| Calhoun County | $337.15 | $382.67 | $430.88 | $602.15 | $915.03 |
| Kalamazoo County | $337.15 | $382.67 | $430.88 | $602.15 | $915.03 |
| Kent County | $339.15 | $384.94 | $433.43 | $605.72 | $920.45 |
| Muskegon County | $339.15 | $384.94 | $433.43 | $605.72 | $920.45 |
| Ottawa County | $339.15 | $384.94 | $433.43 | $605.72 | $920.45 |
| Allegan County | $350.64 | $397.98 | $448.12 | $626.24 | $951.64 |
| Berrien County | $354.07 | $401.87 | $452.50 | $632.37 | $960.95 |
| Cass County | $354.07 | $401.87 | $452.50 | $632.37 | $960.95 |
| Van Buren County | $354.07 | $401.87 | $452.50 | $632.37 | $960.95 |
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.