Blue Cross® Select HMO Bronze Saver HSA — full price in Bay County, Michigan (2026)
Blue Cross® Select HMO Bronze Saver HSA (98185MI0440006), a expanded bronze plan from Blue Care Network of Michigan in Bay County, Michigan, costs $462.90/month full price for a 40-year-old in 2026 — $983.04 at 60, with a $8,500 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0440006 · 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 | $362.21 |
| 27 | $379.60 |
| 30 | $411.11 |
| 40 | $462.90 |
| 50 | $646.91 |
| 60 | $983.04 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $8,500
- Family deductible: $17,000
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $632.60/mo. This plan is $462.90/mo at 40 — a difference of $-169.70/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 expanded bronze plans in Bay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Select HMO Bronze Extra | Blue Care Network of Michigan | $453.98 |
| MyPriority Value Bronze | Priority Health | $466.65 |
| MyPriority Standard Bronze | Priority Health | $468.74 |
| MHP Expanded Bronze Standard | McLaren Health Plan Community | $481.10 |
| MHP Bronze Saver (Expanded) | McLaren Health Plan Community | $483.44 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0440006 in FIPS 26017.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Bay County
Reviewed by Jason Burns, Editorial Steward.