Blue Cross® Preferred HMO Gold Extra — full price in Gratiot County, Michigan (2026)
Blue Cross® Preferred HMO Gold Extra (98185MI0550018), a gold plan from Blue Care Network of Michigan in Gratiot County, Michigan, costs $802.76/month full price for a 40-year-old in 2026 — $1704.77 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0550018 · 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 | $628.14 |
| 27 | $658.29 |
| 30 | $712.94 |
| 40 | $802.76 |
| 50 | $1121.86 |
| 60 | $1704.77 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $651.56/mo. This plan is $802.76/mo at 40 — a difference of $151.20/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 gold plans in Gratiot County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MHP Gold | McLaren Health Plan Community | $682.80 |
| MHP Gold Standard | McLaren Health Plan Community | $689.05 |
| Blue Cross® Preferred HMO Gold | Blue Care Network of Michigan | $773.20 |
| Blue Cross® Premier PPO Gold | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $799.91 |
| MyPriority Standard Gold | Priority Health | $831.49 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0550018 in FIPS 26057.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Gratiot County
Reviewed by Jason Burns, Editorial Steward.