Blue Cross® Preferred HMO Silver Saver — full price in Alger County, Michigan (2026)
Blue Cross® Preferred HMO Silver Saver (98185MI0180015), a silver plan from Blue Care Network of Michigan in Alger County, Michigan, costs $769.09/month full price for a 40-year-old in 2026 — $1633.26 at 60, with a $5,800 deductible and $7,650 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0180015 · Issuer: Blue Care Network of Michigan · 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 | $601.79 |
| 27 | $630.68 |
| 30 | $683.03 |
| 40 | $769.09 |
| 50 | $1074.80 |
| 60 | $1633.26 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,800
- Family deductible: $11,600
- Individual out-of-pocket max: $7,650
- Family out-of-pocket max: $15,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $910.03/mo. This plan is $769.09/mo at 40 — a difference of $-140.94/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 silver plans in Alger County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Preferred HMO Silver Extra | Blue Care Network of Michigan | $910.03 |
| Blue Cross® Premier PPO Silver Saver HSA | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $914.31 |
| Blue Cross® Premier PPO Silver Extra | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $992.20 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0180015 in FIPS 26003.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Alger County
Reviewed by Jason Burns, Editorial Steward.