What health insurance costs without a subsidy in Luce County, Michigan (2026)
In Luce County, Michigan, the benchmark silver plan costs $910.03/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $489.09 to $1151.75. A 60-year-old pays at least $1038.65/month, a 21-year-old at least $382.70. 2 insurers offer 16 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 $382.70/mo
- Age 40 — starting at $489.09/mo
- Age 60 — starting at $1038.65/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $528.16/mo
- Silver — starting at $769.09/mo
- Gold — starting at $940.03/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,450 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company
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.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Luce County (FIPS 26095).
- 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 (16)
- Blue Cross® Preferred HMO Bronze Secure — Bronze · $528.16/mo @ 40
- Blue Cross® Premier PPO Bronze Secure — Bronze · $590.47/mo @ 40
- Blue Cross® Premier PPO Value — Catastrophic · $489.09/mo @ 40
- Blue Cross® Preferred HMO Value — Catastrophic · $494.69/mo @ 40
- Blue Cross® Preferred HMO Bronze Extra — Expanded Bronze · $598.68/mo @ 40
- Blue Cross® Preferred HMO Bronze Saver HSA — Expanded Bronze · $609.93/mo @ 40
- Blue Cross® Premier PPO Bronze Saver HSA — Expanded Bronze · $668.25/mo @ 40
- Blue Cross® Premier PPO Bronze Extra — Expanded Bronze · $676.30/mo @ 40
- Blue Cross® Preferred HMO Gold — Gold · $940.03/mo @ 40
- Blue Cross® Preferred HMO Gold Extra — Gold · $975.97/mo @ 40
- Blue Cross® Premier PPO Gold — Gold · $1032.39/mo @ 40
- Blue Cross® Premier PPO Gold Extra — Gold · $1151.75/mo @ 40
- Blue Cross® Preferred HMO Silver Saver — Silver · $769.09/mo @ 40
- Blue Cross® Preferred HMO Silver Extra — Silver · $910.03/mo @ 40
- Blue Cross® Premier PPO Silver Saver HSA — Silver · $914.31/mo @ 40
- Blue Cross® Premier PPO Silver Extra — Silver · $992.20/mo @ 40
Reviewed by Jason Burns, Editorial Steward.