Blue Cross® Preferred HMO Bronze Extra
Expanded Bronze · HMO · Blue Care Network of Michigan · Michigan
At age 40 it costs between $460.73 and $598.68 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 | 98185MI0550022 |
|---|---|
| Insurer | Blue Care Network of Michigan |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $7,500 |
| Deductible (family) | $15,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,000 |
| Family maximum | $20,000 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $50 Copay after deductible |
| Specialty drugs | $500 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 | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Benzie County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Charlevoix County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Emmet County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Grand Traverse County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Kalkaska County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Leelanau County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Manistee County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Missaukee County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Wexford County | $360.51 | $409.18 | $460.73 | $643.87 | $978.42 |
| Genesee County | $368.22 | $417.93 | $470.59 | $657.64 | $999.35 |
| Lapeer County | $368.22 | $417.93 | $470.59 | $657.64 | $999.35 |
| Shiawassee County | $368.22 | $417.93 | $470.59 | $657.64 | $999.35 |
| Macomb County | $368.84 | $418.63 | $471.38 | $658.75 | $1,001.03 |
| Oakland County | $368.84 | $418.63 | $471.38 | $658.75 | $1,001.03 |
| Monroe County | $372.48 | $422.76 | $476.03 | $665.25 | $1,010.91 |
| Wayne County | $372.48 | $422.76 | $476.03 | $665.25 | $1,010.91 |
| Arenac County | $385.31 | $437.33 | $492.43 | $688.16 | $1,045.73 |
| Bay County | $385.31 | $437.33 | $492.43 | $688.16 | $1,045.73 |
| Gratiot County | $385.31 | $437.33 | $492.43 | $688.16 | $1,045.73 |
| Saginaw County | $385.31 | $437.33 | $492.43 | $688.16 | $1,045.73 |
| Huron County | $392.55 | $445.54 | $501.68 | $701.09 | $1,065.38 |
| Sanilac County | $392.55 | $445.54 | $501.68 | $701.09 | $1,065.38 |
| Tuscola County | $392.55 | $445.54 | $501.68 | $701.09 | $1,065.38 |
| Alcona County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Alpena County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Cheboygan County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Chippewa County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Crawford County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Iosco County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Mackinac County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Montmorency County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Ogemaw County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Oscoda County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Otsego County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Presque Isle County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Roscommon County | $393.14 | $446.21 | $502.43 | $702.15 | $1,066.98 |
| Saint Clair County | $396.50 | $450.03 | $506.73 | $708.15 | $1,076.10 |
| Clinton County | $400.02 | $454.02 | $511.23 | $714.44 | $1,085.65 |
| Eaton County | $400.02 | $454.02 | $511.23 | $714.44 | $1,085.65 |
| Hillsdale County | $400.02 | $454.02 | $511.23 | $714.44 | $1,085.65 |
| Ingham County | $400.02 | $454.02 | $511.23 | $714.44 | $1,085.65 |
| Jackson County | $400.02 | $454.02 | $511.23 | $714.44 | $1,085.65 |
| Lenawee County | $404.95 | $459.62 | $517.53 | $723.24 | $1,099.03 |
| Livingston County | $404.95 | $459.62 | $517.53 | $723.24 | $1,099.03 |
| Washtenaw County | $404.95 | $459.62 | $517.53 | $723.24 | $1,099.03 |
| Clare County | $414.97 | $470.99 | $530.33 | $741.14 | $1,126.23 |
| Gladwin County | $414.97 | $470.99 | $530.33 | $741.14 | $1,126.23 |
| Isabella County | $414.97 | $470.99 | $530.33 | $741.14 | $1,126.23 |
| Midland County | $414.97 | $470.99 | $530.33 | $741.14 | $1,126.23 |
| Branch County | $442.12 | $501.81 | $565.03 | $789.63 | $1,199.91 |
| Calhoun County | $442.12 | $501.81 | $565.03 | $789.63 | $1,199.91 |
| Kalamazoo County | $442.12 | $501.81 | $565.03 | $789.63 | $1,199.91 |
| Ionia County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Kent County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Lake County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Mason County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Mecosta County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Montcalm County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Muskegon County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Newaygo County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Oceana County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Osceola County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Ottawa County | $444.74 | $504.78 | $568.38 | $794.31 | $1,207.02 |
| Allegan County | $459.80 | $521.87 | $587.62 | $821.20 | $1,247.90 |
| Barry County | $459.80 | $521.87 | $587.62 | $821.20 | $1,247.90 |
| Berrien County | $464.30 | $526.98 | $593.38 | $829.24 | $1,260.11 |
| Cass County | $464.30 | $526.98 | $593.38 | $829.24 | $1,260.11 |
| Saint Joseph County | $464.30 | $526.98 | $593.38 | $829.24 | $1,260.11 |
| Van Buren County | $464.30 | $526.98 | $593.38 | $829.24 | $1,260.11 |
| Alger County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Baraga County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Delta County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Dickinson County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Gogebic County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Houghton County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Iron County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Keweenaw County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Luce County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Marquette County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Menominee County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Ontonagon County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
| Schoolcraft County | $468.45 | $531.69 | $598.68 | $836.65 | $1,271.37 |
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.