Blue Cross® Select HMO Silver
Silver · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $611.55 and $787.61 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 | 98185MI0440016 |
|---|---|
| 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 | 99.94% |
| 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 | $478.52 | $543.12 | $611.55 | $854.64 | $1,298.70 |
| Grand Traverse County | $478.52 | $543.12 | $611.55 | $854.64 | $1,298.70 |
| Leelanau County | $478.52 | $543.12 | $611.55 | $854.64 | $1,298.70 |
| Manistee County | $478.52 | $543.12 | $611.55 | $854.64 | $1,298.70 |
| Wexford County | $478.52 | $543.12 | $611.55 | $854.64 | $1,298.70 |
| Genesee County | $488.75 | $554.73 | $624.62 | $872.91 | $1,326.47 |
| Lapeer County | $488.75 | $554.73 | $624.62 | $872.91 | $1,326.47 |
| Shiawassee County | $488.75 | $554.73 | $624.62 | $872.91 | $1,326.47 |
| Macomb County | $489.58 | $555.67 | $625.68 | $874.39 | $1,328.72 |
| Oakland County | $489.58 | $555.67 | $625.68 | $874.39 | $1,328.72 |
| Monroe County | $494.41 | $561.16 | $631.86 | $883.02 | $1,341.83 |
| Wayne County | $494.41 | $561.16 | $631.86 | $883.02 | $1,341.83 |
| Bay County | $511.44 | $580.48 | $653.62 | $913.43 | $1,388.05 |
| Saginaw County | $511.44 | $580.48 | $653.62 | $913.43 | $1,388.05 |
| Saint Clair County | $526.29 | $597.34 | $672.60 | $939.95 | $1,428.35 |
| Clinton County | $530.96 | $602.64 | $678.57 | $948.29 | $1,441.03 |
| Eaton County | $530.96 | $602.64 | $678.57 | $948.29 | $1,441.03 |
| Ingham County | $530.96 | $602.64 | $678.57 | $948.29 | $1,441.03 |
| Jackson County | $530.96 | $602.64 | $678.57 | $948.29 | $1,441.03 |
| Lenawee County | $537.51 | $610.07 | $686.94 | $959.99 | $1,458.80 |
| Livingston County | $537.51 | $610.07 | $686.94 | $959.99 | $1,458.80 |
| Washtenaw County | $537.51 | $610.07 | $686.94 | $959.99 | $1,458.80 |
| Calhoun County | $586.84 | $666.06 | $749.98 | $1,048.10 | $1,592.68 |
| Kalamazoo County | $586.84 | $666.06 | $749.98 | $1,048.10 | $1,592.68 |
| Kent County | $590.32 | $670.01 | $754.43 | $1,054.31 | $1,602.13 |
| Muskegon County | $590.32 | $670.01 | $754.43 | $1,054.31 | $1,602.13 |
| Ottawa County | $590.32 | $670.01 | $754.43 | $1,054.31 | $1,602.13 |
| Allegan County | $610.31 | $692.70 | $779.98 | $1,090.01 | $1,656.38 |
| Berrien County | $616.28 | $699.48 | $787.61 | $1,100.68 | $1,672.58 |
| Cass County | $616.28 | $699.48 | $787.61 | $1,100.68 | $1,672.58 |
| Van Buren County | $616.28 | $699.48 | $787.61 | $1,100.68 | $1,672.58 |
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.