Blue Cross® Select HMO Silver Saver
Silver · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $546.01 and $703.22 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 | 98185MI0440017 |
|---|---|
| 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 | 99.93% |
| 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 | $427.24 | $484.92 | $546.01 | $763.05 | $1,159.53 |
| Grand Traverse County | $427.24 | $484.92 | $546.01 | $763.05 | $1,159.53 |
| Leelanau County | $427.24 | $484.92 | $546.01 | $763.05 | $1,159.53 |
| Manistee County | $427.24 | $484.92 | $546.01 | $763.05 | $1,159.53 |
| Wexford County | $427.24 | $484.92 | $546.01 | $763.05 | $1,159.53 |
| Genesee County | $436.38 | $495.29 | $557.69 | $779.37 | $1,184.34 |
| Lapeer County | $436.38 | $495.29 | $557.69 | $779.37 | $1,184.34 |
| Shiawassee County | $436.38 | $495.29 | $557.69 | $779.37 | $1,184.34 |
| Macomb County | $437.12 | $496.13 | $558.64 | $780.70 | $1,186.34 |
| Oakland County | $437.12 | $496.13 | $558.64 | $780.70 | $1,186.34 |
| Monroe County | $441.43 | $501.02 | $564.15 | $788.39 | $1,198.04 |
| Wayne County | $441.43 | $501.02 | $564.15 | $788.39 | $1,198.04 |
| Bay County | $456.64 | $518.29 | $583.59 | $815.56 | $1,239.32 |
| Saginaw County | $456.64 | $518.29 | $583.59 | $815.56 | $1,239.32 |
| Saint Clair County | $469.90 | $533.34 | $600.53 | $839.24 | $1,275.31 |
| Clinton County | $474.07 | $538.07 | $605.86 | $846.69 | $1,286.63 |
| Eaton County | $474.07 | $538.07 | $605.86 | $846.69 | $1,286.63 |
| Ingham County | $474.07 | $538.07 | $605.86 | $846.69 | $1,286.63 |
| Jackson County | $474.07 | $538.07 | $605.86 | $846.69 | $1,286.63 |
| Lenawee County | $479.91 | $544.70 | $613.32 | $857.12 | $1,302.48 |
| Livingston County | $479.91 | $544.70 | $613.32 | $857.12 | $1,302.48 |
| Washtenaw County | $479.91 | $544.70 | $613.32 | $857.12 | $1,302.48 |
| Calhoun County | $523.96 | $594.69 | $669.62 | $935.79 | $1,422.03 |
| Kalamazoo County | $523.96 | $594.69 | $669.62 | $935.79 | $1,422.03 |
| Kent County | $527.07 | $598.22 | $673.60 | $941.35 | $1,430.47 |
| Muskegon County | $527.07 | $598.22 | $673.60 | $941.35 | $1,430.47 |
| Ottawa County | $527.07 | $598.22 | $673.60 | $941.35 | $1,430.47 |
| Allegan County | $544.92 | $618.48 | $696.41 | $973.23 | $1,478.91 |
| Berrien County | $550.25 | $624.53 | $703.22 | $982.75 | $1,493.38 |
| Cass County | $550.25 | $624.53 | $703.22 | $982.75 | $1,493.38 |
| Van Buren County | $550.25 | $624.53 | $703.22 | $982.75 | $1,493.38 |
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.