Blue Cross® Preferred HMO Silver Extra
Silver · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $700.34 and $910.03 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 | 98185MI0550002 |
|---|---|
| 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
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 | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Benzie County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Charlevoix County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Emmet County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Grand Traverse County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Kalkaska County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Leelanau County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Manistee County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Missaukee County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Wexford County | $548 | $621.98 | $700.34 | $978.73 | $1,487.27 |
| Genesee County | $559.71 | $635.27 | $715.31 | $999.64 | $1,519.05 |
| Lapeer County | $559.71 | $635.27 | $715.31 | $999.64 | $1,519.05 |
| Shiawassee County | $559.71 | $635.27 | $715.31 | $999.64 | $1,519.05 |
| Macomb County | $560.66 | $636.35 | $716.52 | $1,001.34 | $1,521.63 |
| Oakland County | $560.66 | $636.35 | $716.52 | $1,001.34 | $1,521.63 |
| Monroe County | $566.19 | $642.63 | $723.59 | $1,011.22 | $1,536.64 |
| Wayne County | $566.19 | $642.63 | $723.59 | $1,011.22 | $1,536.64 |
| Arenac County | $585.70 | $664.77 | $748.52 | $1,046.06 | $1,589.59 |
| Bay County | $585.70 | $664.77 | $748.52 | $1,046.06 | $1,589.59 |
| Gratiot County | $585.70 | $664.77 | $748.52 | $1,046.06 | $1,589.59 |
| Saginaw County | $585.70 | $664.77 | $748.52 | $1,046.06 | $1,589.59 |
| Huron County | $596.70 | $677.25 | $762.58 | $1,065.71 | $1,619.44 |
| Sanilac County | $596.70 | $677.25 | $762.58 | $1,065.71 | $1,619.44 |
| Tuscola County | $596.70 | $677.25 | $762.58 | $1,065.71 | $1,619.44 |
| Alcona County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Alpena County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Cheboygan County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Chippewa County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Crawford County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Iosco County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Mackinac County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Montmorency County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Ogemaw County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Oscoda County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Otsego County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Presque Isle County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Roscommon County | $597.59 | $678.26 | $763.72 | $1,067.30 | $1,621.86 |
| Saint Clair County | $602.71 | $684.08 | $770.26 | $1,076.44 | $1,635.75 |
| Clinton County | $608.06 | $690.15 | $777.10 | $1,086 | $1,650.27 |
| Eaton County | $608.06 | $690.15 | $777.10 | $1,086 | $1,650.27 |
| Hillsdale County | $608.06 | $690.15 | $777.10 | $1,086 | $1,650.27 |
| Ingham County | $608.06 | $690.15 | $777.10 | $1,086 | $1,650.27 |
| Jackson County | $608.06 | $690.15 | $777.10 | $1,086 | $1,650.27 |
| Lenawee County | $615.55 | $698.65 | $786.67 | $1,099.37 | $1,670.60 |
| Livingston County | $615.55 | $698.65 | $786.67 | $1,099.37 | $1,670.60 |
| Washtenaw County | $615.55 | $698.65 | $786.67 | $1,099.37 | $1,670.60 |
| Clare County | $630.78 | $715.94 | $806.14 | $1,126.57 | $1,711.94 |
| Gladwin County | $630.78 | $715.94 | $806.14 | $1,126.57 | $1,711.94 |
| Isabella County | $630.78 | $715.94 | $806.14 | $1,126.57 | $1,711.94 |
| Midland County | $630.78 | $715.94 | $806.14 | $1,126.57 | $1,711.94 |
| Branch County | $672.05 | $762.78 | $858.88 | $1,200.28 | $1,823.94 |
| Calhoun County | $672.05 | $762.78 | $858.88 | $1,200.28 | $1,823.94 |
| Kalamazoo County | $672.05 | $762.78 | $858.88 | $1,200.28 | $1,823.94 |
| Ionia County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Kent County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Lake County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Mason County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Mecosta County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Montcalm County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Muskegon County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Newaygo County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Oceana County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Osceola County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Ottawa County | $676.03 | $767.29 | $863.97 | $1,207.39 | $1,834.75 |
| Allegan County | $698.93 | $793.29 | $893.23 | $1,248.29 | $1,896.90 |
| Barry County | $698.93 | $793.29 | $893.23 | $1,248.29 | $1,896.90 |
| Berrien County | $705.77 | $801.05 | $901.97 | $1,260.51 | $1,915.46 |
| Cass County | $705.77 | $801.05 | $901.97 | $1,260.51 | $1,915.46 |
| Saint Joseph County | $705.77 | $801.05 | $901.97 | $1,260.51 | $1,915.46 |
| Van Buren County | $705.77 | $801.05 | $901.97 | $1,260.51 | $1,915.46 |
| Alger County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Baraga County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Delta County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Dickinson County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Gogebic County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Houghton County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Iron County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Keweenaw County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Luce County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Marquette County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Menominee County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Ontonagon County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
| Schoolcraft County | $712.07 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
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.