What health insurance costs without a subsidy in Hillsdale County, Michigan (2026)
In Hillsdale County, Michigan, the benchmark silver plan costs $448.22/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $376.55 to $978.27. A 60-year-old pays at least $799.66/month, a 21-year-old at least $294.64. 6 insurers offer 58 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $294.64/mo
- Age 40 — starting at $376.55/mo
- Age 60 — starting at $799.66/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $413.50/mo
- Silver — starting at $444.69/mo
- Gold — starting at $472.94/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter from Meridian, Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community, Priority Health, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Hillsdale County (FIPS 26059).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Michigan
- Alger County — $910.03/mo benchmark
- Baraga County — $910.03/mo benchmark
- Delta County — $910.03/mo benchmark
- Dickinson County — $910.03/mo benchmark
- Gogebic County — $910.03/mo benchmark
Plans available in this county (58)
- UHC Bronze Essential (No Referrals) — Bronze · $413.50/mo @ 40
- MHP Bronze — Bronze · $416.66/mo @ 40
- UHC Bronze Essential+ (Dental + Vision, No Referrals) — Bronze · $432.54/mo @ 40
- Blue Cross® Preferred HMO Bronze Secure — Bronze · $451.02/mo @ 40
- Blue Cross® Premier PPO Bronze Secure — Bronze · $501.54/mo @ 40
- MHP Young Adult/Catastrophic — Catastrophic · $376.55/mo @ 40
- Blue Cross® Premier PPO Value — Catastrophic · $415.43/mo @ 40
- Blue Cross® Preferred HMO Value — Catastrophic · $422.43/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $433.05/mo @ 40
- MHP Expanded Bronze Standard — Expanded Bronze · $450.14/mo @ 40
- MHP Bronze Saver (Expanded) — Expanded Bronze · $452.33/mo @ 40
- UHC Bronze Copay Focus (No Referrals) — Expanded Bronze · $454.70/mo @ 40
- MyPriority Value Bronze — Expanded Bronze · $510.29/mo @ 40
- Blue Cross® Preferred HMO Bronze Extra — Expanded Bronze · $511.23/mo @ 40
- MyPriority Standard Bronze — Expanded Bronze · $512.59/mo @ 40
- Blue Cross® Preferred HMO Bronze Saver HSA — Expanded Bronze · $520.84/mo @ 40
- MyPriority Value Bronze HSA — Expanded Bronze · $555.56/mo @ 40
- Blue Cross® Premier PPO Bronze Saver HSA — Expanded Bronze · $567.60/mo @ 40
- Blue Cross® Premier PPO Bronze Extra — Expanded Bronze · $574.45/mo @ 40
- MyPriority Standard Bronze - Travel — Expanded Bronze · $589.49/mo @ 40
- Standard Gold — Gold · $472.94/mo @ 40
- Everyday Gold — Gold · $480.31/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $490.34/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $497.98/mo @ 40
- Elite Gold — Gold · $541.74/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $561.67/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $594.11/mo @ 40
- UHC Gold Advantage (No Referrals) — Gold · $598.99/mo @ 40
- UHC Gold Copay Focus (No Referrals) — Gold · $609.88/mo @ 40
- UHC Gold Advantage+ (Dental + Vision, No Referrals) — Gold · $618.03/mo @ 40
- MHP Gold — Gold · $638.86/mo @ 40
- MHP Gold Standard — Gold · $644.71/mo @ 40
- Blue Cross® Preferred HMO Gold — Gold · $802.72/mo @ 40
- Blue Cross® Preferred HMO Gold Extra — Gold · $833.41/mo @ 40
- Blue Cross® Premier PPO Gold — Gold · $876.90/mo @ 40
- MyPriority Standard Gold — Gold · $909.27/mo @ 40
- Blue Cross® Premier PPO Gold Extra — Gold · $978.27/mo @ 40
- Clear Silver — Silver · $444.69/mo @ 40
- Standard Silver — Silver · $448.22/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $464.71/mo @ 40
Showing first 40 of 58 plans on file.
Reviewed by Jason Burns, Editorial Steward.