MHP Silver Exchange Rewards — full price in Gratiot County, Michigan (2026)
MHP Silver Exchange Rewards (74917MI0020017), a silver plan from McLaren Health Plan Community in Gratiot County, Michigan, costs $660.60/month full price for a 40-year-old in 2026 — $1402.87 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 | $516.90 |
| 27 | $541.71 |
| 30 | $586.68 |
| 40 | $660.60 |
| 50 | $923.19 |
| 60 | $1402.87 |
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 $651.56/mo. This plan is $660.60/mo at 40 — a difference of $9.04/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 Gratiot County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Preferred HMO Silver Saver | Blue Care Network of Michigan | $632.60 |
| MyPriority Premier Silver | Priority Health | $651.56 |
| MyPriority Balanced Silver | Priority Health | $671.99 |
| MHP Silver Exchange | McLaren Health Plan Community | $675.70 |
| MHP Silver Standard | McLaren Health Plan Community | $684.19 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020017 in FIPS 26057.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Gratiot County
Reviewed by Jason Burns, Editorial Steward.