What health insurance costs without a subsidy in Saginaw County, Michigan (2026)
In Saginaw County, Michigan, the benchmark silver plan costs $632.60/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $375.53 to $892.39. A 60-year-old pays at least $797.48/month, a 21-year-old at least $293.84. 4 insurers offer 42 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 $293.84/mo
- Age 40 — starting at $375.53/mo
- Age 60 — starting at $797.48/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $400.90/mo
- Silver — starting at $583.59/mo
- Gold — starting at $682.80/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, McLaren Health Plan Community, Priority Health
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 Saginaw County (FIPS 26145).
- 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 (42)
- Blue Cross® Select HMO Bronze Secure — Bronze · $400.90/mo @ 40
- Blue Cross® Preferred HMO Bronze Secure — Bronze · $434.43/mo @ 40
- MHP Bronze — Bronze · $445.32/mo @ 40
- Blue Cross® Premier PPO Bronze Secure — Bronze · $457.50/mo @ 40
- Blue Cross® Select HMO Value — Catastrophic · $375.53/mo @ 40
- Blue Cross® Premier PPO Value — Catastrophic · $378.95/mo @ 40
- MHP Young Adult/Catastrophic — Catastrophic · $402.45/mo @ 40
- Blue Cross® Select HMO Bronze Extra — Expanded Bronze · $453.98/mo @ 40
- Blue Cross® Select HMO Bronze Saver HSA — Expanded Bronze · $462.90/mo @ 40
- MyPriority Value Bronze — Expanded Bronze · $466.65/mo @ 40
- MyPriority Standard Bronze — Expanded Bronze · $468.74/mo @ 40
- MHP Expanded Bronze Standard — Expanded Bronze · $481.10/mo @ 40
- MHP Bronze Saver (Expanded) — Expanded Bronze · $483.44/mo @ 40
- Blue Cross® Preferred HMO Bronze Extra — Expanded Bronze · $492.43/mo @ 40
- Blue Cross® Preferred HMO Bronze Saver HSA — Expanded Bronze · $501.68/mo @ 40
- MyPriority Value Bronze HSA — Expanded Bronze · $508.03/mo @ 40
- Blue Cross® Premier PPO Bronze Saver HSA — Expanded Bronze · $517.77/mo @ 40
- Blue Cross® Premier PPO Bronze Extra — Expanded Bronze · $524.01/mo @ 40
- MyPriority Standard Bronze - Travel — Expanded Bronze · $539.06/mo @ 40
- MHP Gold — Gold · $682.80/mo @ 40
- MHP Gold Standard — Gold · $689.05/mo @ 40
- Blue Cross® Preferred HMO Gold — Gold · $773.20/mo @ 40
- Blue Cross® Premier PPO Gold — Gold · $799.91/mo @ 40
- Blue Cross® Preferred HMO Gold Extra — Gold · $802.76/mo @ 40
- MyPriority Standard Gold — Gold · $831.49/mo @ 40
- Blue Cross® Premier PPO Gold Extra — Gold · $892.39/mo @ 40
- Blue Cross® Select HMO Silver Saver — Silver · $583.59/mo @ 40
- Blue Cross® Preferred HMO Silver Saver — Silver · $632.60/mo @ 40
- MyPriority Premier Silver — Silver · $651.56/mo @ 40
- Blue Cross® Select HMO Silver — Silver · $653.62/mo @ 40
- MHP Silver Exchange Rewards — Silver · $660.60/mo @ 40
- MyPriority Balanced Silver — Silver · $671.99/mo @ 40
- MHP Silver Exchange — Silver · $675.70/mo @ 40
- MHP Silver Standard — Silver · $684.19/mo @ 40
- Blue Cross® Select HMO Silver Extra — Silver · $690.07/mo @ 40
- MyPriority Standard Silver — Silver · $697.11/mo @ 40
- Blue Cross® Premier PPO Silver Saver HSA — Silver · $708.42/mo @ 40
- Blue Cross® Premier PPO Silver — Silver · $708.51/mo @ 40
- Blue Cross® Preferred HMO Silver — Silver · $708.56/mo @ 40
- Blue Cross® Preferred HMO Silver Extra — Silver · $748.52/mo @ 40
Showing first 40 of 42 plans on file.
Reviewed by Jason Burns, Editorial Steward.