Blue Cross® Select HMO Silver — full price in Lapeer County, Michigan (2026)
Blue Cross® Select HMO Silver (98185MI0440016), a silver plan from Blue Care Network of Michigan in Lapeer County, Michigan, costs $624.62/month full price for a 40-year-old in 2026 — $1326.47 at 60, with a $4,500 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0440016 · 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 | $488.75 |
| 27 | $512.21 |
| 30 | $554.73 |
| 40 | $624.62 |
| 50 | $872.91 |
| 60 | $1326.47 |
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 $388.03/mo. This plan is $624.62/mo at 40 — a difference of $236.59/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 Lapeer 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 |
| Blue Cross® Select HMO Silver Saver | Blue Care Network of Michigan | $557.69 |
| Blue Cross® Preferred HMO Silver Saver | Blue Care Network of Michigan | $604.53 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0440016 in FIPS 26087.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lapeer County
Reviewed by Jason Burns, Editorial Steward.