MHP Gold — full price in Alcona County, Michigan (2026)
MHP Gold (74917MI0020006), a gold plan from McLaren Health Plan Community in Alcona County, Michigan, costs $693.12/month full price for a 40-year-old in 2026 — $1471.94 at 60, with a $2,100 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74917MI0020006 · Issuer: McLaren Health Plan Community · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $542.35 |
| 27 | $568.38 |
| 30 | $615.57 |
| 40 | $693.12 |
| 50 | $968.64 |
| 60 | $1471.94 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,100
- Family deductible: $4,200
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $656.21/mo. This plan is $693.12/mo at 40 — a difference of $36.91/mo.
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 — 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.
Other gold plans in Alcona County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MHP Gold Standard | McLaren Health Plan Community | $699.46 |
| Blue Cross® Preferred HMO Gold | Blue Care Network of Michigan | $788.91 |
| Blue Cross® Preferred HMO Gold Extra | Blue Care Network of Michigan | $819.07 |
| MyPriority Standard Gold | Priority Health | $837.44 |
| Blue Cross® Premier PPO Gold | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $880.55 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020006 in FIPS 26001.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Alcona County
Reviewed by Jason Burns, Editorial Steward.