Blue Cross® Select HMO Silver Extra
Silver · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $645.65 and $831.53 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 98185MI0550001 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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
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 | $505.20 | $573.40 | $645.65 | $902.29 | $1,371.11 |
| Grand Traverse County | $505.20 | $573.40 | $645.65 | $902.29 | $1,371.11 |
| Leelanau County | $505.20 | $573.40 | $645.65 | $902.29 | $1,371.11 |
| Manistee County | $505.20 | $573.40 | $645.65 | $902.29 | $1,371.11 |
| Wexford County | $505.20 | $573.40 | $645.65 | $902.29 | $1,371.11 |
| Genesee County | $516 | $585.66 | $659.45 | $921.58 | $1,400.42 |
| Lapeer County | $516 | $585.66 | $659.45 | $921.58 | $1,400.42 |
| Shiawassee County | $516 | $585.66 | $659.45 | $921.58 | $1,400.42 |
| Macomb County | $516.88 | $586.66 | $660.57 | $923.15 | $1,402.81 |
| Oakland County | $516.88 | $586.66 | $660.57 | $923.15 | $1,402.81 |
| Monroe County | $521.98 | $592.45 | $667.09 | $932.26 | $1,416.65 |
| Wayne County | $521.98 | $592.45 | $667.09 | $932.26 | $1,416.65 |
| Bay County | $539.96 | $612.85 | $690.07 | $964.37 | $1,465.45 |
| Saginaw County | $539.96 | $612.85 | $690.07 | $964.37 | $1,465.45 |
| Saint Clair County | $555.64 | $630.65 | $710.11 | $992.37 | $1,508.01 |
| Clinton County | $560.58 | $636.26 | $716.42 | $1,001.20 | $1,521.41 |
| Eaton County | $560.58 | $636.26 | $716.42 | $1,001.20 | $1,521.41 |
| Ingham County | $560.58 | $636.26 | $716.42 | $1,001.20 | $1,521.41 |
| Jackson County | $560.58 | $636.26 | $716.42 | $1,001.20 | $1,521.41 |
| Lenawee County | $567.48 | $644.09 | $725.24 | $1,013.52 | $1,540.14 |
| Livingston County | $567.48 | $644.09 | $725.24 | $1,013.52 | $1,540.14 |
| Washtenaw County | $567.48 | $644.09 | $725.24 | $1,013.52 | $1,540.14 |
| Calhoun County | $619.57 | $703.21 | $791.81 | $1,106.55 | $1,681.51 |
| Kalamazoo County | $619.57 | $703.21 | $791.81 | $1,106.55 | $1,681.51 |
| Kent County | $623.24 | $707.38 | $796.50 | $1,113.11 | $1,691.47 |
| Muskegon County | $623.24 | $707.38 | $796.50 | $1,113.11 | $1,691.47 |
| Ottawa County | $623.24 | $707.38 | $796.50 | $1,113.11 | $1,691.47 |
| Allegan County | $644.35 | $731.34 | $823.48 | $1,150.81 | $1,748.77 |
| Berrien County | $650.65 | $738.49 | $831.53 | $1,162.06 | $1,765.86 |
| Cass County | $650.65 | $738.49 | $831.53 | $1,162.06 | $1,765.86 |
| Van Buren County | $650.65 | $738.49 | $831.53 | $1,162.06 | $1,765.86 |
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.