MHP Silver Exchange Rewards — full price in Genesee County, Michigan (2026)
MHP Silver Exchange Rewards (74917MI0020017), a silver plan from McLaren Health Plan Community in Genesee County, Michigan, costs $631.23/month full price for a 40-year-old in 2026 — $1340.50 at 60, with a $2,000 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74917MI0020017 · 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 | $493.92 |
| 27 | $517.63 |
| 30 | $560.60 |
| 40 | $631.23 |
| 50 | $882.14 |
| 60 | $1340.50 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $388.03/mo. This plan is $631.23/mo at 40 — a difference of $243.20/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 Genesee County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Silver | Ambetter from Meridian | $384.98 |
| Standard Silver | Ambetter from Meridian | $388.03 |
| Standard Silver + Vision + Adult Dental | Ambetter from Meridian | $402.30 |
| UHC Silver Value (No Referrals) | UnitedHealthcare | $511.42 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $514.40 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020017 in FIPS 26049.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Genesee County
Reviewed by Jason Burns, Editorial Steward.