Blue Cross® Preferred HMO Silver — full price in Charlevoix County, Michigan (2026)
Blue Cross® Preferred HMO Silver (98185MI0180005), a silver plan from Blue Care Network of Michigan in Charlevoix County, Michigan, costs $662.95/month full price for a 40-year-old in 2026 — $1407.86 at 60, with a $4,500 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Charlevoix County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 98185MI0180005 · 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 | $518.74 |
| 27 | $543.64 |
| 30 | $588.77 |
| 40 | $662.95 |
| 50 | $926.47 |
| 60 | $1407.86 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $613.50/mo. This plan is $662.95/mo at 40 — a difference of $49.45/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 Charlevoix County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Preferred HMO Silver Saver | Blue Care Network of Michigan | $591.88 |
| MyPriority Premier Silver | Priority Health | $613.50 |
| MyPriority Balanced Silver | Priority Health | $632.74 |
| MyPriority Standard Silver | Priority Health | $656.39 |
| MHP Silver Exchange Rewards | McLaren Health Plan Community | $670.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0180005 in FIPS 26029.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Charlevoix County
Reviewed by Jason Burns, Editorial Steward.
Source record: privatehealthinsurancedirectanswers.com/plan/mi/charlevoix/98185mi0180005 · Record ID PHI-1LETH543