Blue Cross® Preferred HMO Value — full price in Clare County, Michigan (2026)
Blue Cross® Preferred HMO Value (98185MI0180024), a catastrophic plan from Blue Care Network of Michigan in Clare County, Michigan, costs $438.21/month full price for a 40-year-old in 2026 — $930.60 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0180024 · 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 | $342.89 |
| 27 | $359.35 |
| 30 | $389.18 |
| 40 | $438.21 |
| 50 | $612.40 |
| 60 | $930.60 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- 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 $705.99/mo. This plan is $438.21/mo at 40 — a difference of $-267.78/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 catastrophic plans in Clare County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Premier PPO Value | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $395.96 |
| MHP Young Adult/Catastrophic | McLaren Health Plan Community | $475.71 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0180024 in FIPS 26035.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clare County
Reviewed by Jason Burns, Editorial Steward.