Blue Cross® Preferred HMO Gold Extra
Gold · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $751.09 and $975.97 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 | 98185MI0550018 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Benzie County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Charlevoix County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Emmet County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Grand Traverse County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Kalkaska County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Leelanau County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Manistee County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Missaukee County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Wexford County | $587.71 | $667.05 | $751.09 | $1,049.65 | $1,595.04 |
| Genesee County | $600.27 | $681.31 | $767.15 | $1,072.08 | $1,629.13 |
| Lapeer County | $600.27 | $681.31 | $767.15 | $1,072.08 | $1,629.13 |
| Shiawassee County | $600.27 | $681.31 | $767.15 | $1,072.08 | $1,629.13 |
| Macomb County | $601.29 | $682.46 | $768.45 | $1,073.90 | $1,631.90 |
| Oakland County | $601.29 | $682.46 | $768.45 | $1,073.90 | $1,631.90 |
| Monroe County | $607.22 | $689.19 | $776.03 | $1,084.49 | $1,648 |
| Wayne County | $607.22 | $689.19 | $776.03 | $1,084.49 | $1,648 |
| Arenac County | $628.14 | $712.94 | $802.76 | $1,121.86 | $1,704.77 |
| Bay County | $628.14 | $712.94 | $802.76 | $1,121.86 | $1,704.77 |
| Gratiot County | $628.14 | $712.94 | $802.76 | $1,121.86 | $1,704.77 |
| Saginaw County | $628.14 | $712.94 | $802.76 | $1,121.86 | $1,704.77 |
| Huron County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Sanilac County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Tuscola County | $639.94 | $726.33 | $817.84 | $1,142.93 | $1,736.80 |
| Alcona County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Alpena County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Cheboygan County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Chippewa County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Crawford County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Iosco County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Mackinac County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Montmorency County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Ogemaw County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Oscoda County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Otsego County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Presque Isle County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Roscommon County | $640.90 | $727.42 | $819.07 | $1,144.65 | $1,739.40 |
| Saint Clair County | $646.38 | $733.64 | $826.07 | $1,154.43 | $1,754.28 |
| Clinton County | $652.12 | $740.16 | $833.41 | $1,164.69 | $1,769.85 |
| Eaton County | $652.12 | $740.16 | $833.41 | $1,164.69 | $1,769.85 |
| Hillsdale County | $652.12 | $740.16 | $833.41 | $1,164.69 | $1,769.85 |
| Ingham County | $652.12 | $740.16 | $833.41 | $1,164.69 | $1,769.85 |
| Jackson County | $652.12 | $740.16 | $833.41 | $1,164.69 | $1,769.85 |
| Lenawee County | $660.16 | $749.28 | $843.68 | $1,179.05 | $1,791.67 |
| Livingston County | $660.16 | $749.28 | $843.68 | $1,179.05 | $1,791.67 |
| Washtenaw County | $660.16 | $749.28 | $843.68 | $1,179.05 | $1,791.67 |
| Clare County | $676.48 | $767.80 | $864.54 | $1,208.19 | $1,835.97 |
| Gladwin County | $676.48 | $767.80 | $864.54 | $1,208.19 | $1,835.97 |
| Isabella County | $676.48 | $767.80 | $864.54 | $1,208.19 | $1,835.97 |
| Midland County | $676.48 | $767.80 | $864.54 | $1,208.19 | $1,835.97 |
| Branch County | $720.74 | $818.04 | $921.11 | $1,287.24 | $1,956.09 |
| Calhoun County | $720.74 | $818.04 | $921.11 | $1,287.24 | $1,956.09 |
| Kalamazoo County | $720.74 | $818.04 | $921.11 | $1,287.24 | $1,956.09 |
| Ionia County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Kent County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Lake County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Mason County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Mecosta County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Montcalm County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Muskegon County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Newaygo County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Oceana County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Osceola County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Ottawa County | $725.02 | $822.90 | $926.58 | $1,294.89 | $1,967.70 |
| Allegan County | $749.57 | $850.76 | $957.95 | $1,338.73 | $2,034.33 |
| Barry County | $749.57 | $850.76 | $957.95 | $1,338.73 | $2,034.33 |
| Berrien County | $756.91 | $859.09 | $967.33 | $1,351.84 | $2,054.25 |
| Cass County | $756.91 | $859.09 | $967.33 | $1,351.84 | $2,054.25 |
| Saint Joseph County | $756.91 | $859.09 | $967.33 | $1,351.84 | $2,054.25 |
| Van Buren County | $756.91 | $859.09 | $967.33 | $1,351.84 | $2,054.25 |
| Alger County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Baraga County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Delta County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Dickinson County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Gogebic County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Houghton County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Iron County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Keweenaw County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Luce County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Marquette County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Menominee County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Ontonagon County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
| Schoolcraft County | $763.67 | $866.77 | $975.97 | $1,363.91 | $2,072.60 |
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.