MHP Young Adult/Catastrophic — full price in Leelanau County, Michigan (2026)
MHP Young Adult/Catastrophic (74917MI0020004), a catastrophic plan from McLaren Health Plan Community in Leelanau County, Michigan, costs $408.53/month full price for a 40-year-old in 2026 — $867.57 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74917MI0020004 · 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 | $319.67 |
| 27 | $335.01 |
| 30 | $362.82 |
| 40 | $408.53 |
| 50 | $570.92 |
| 60 | $867.57 |
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 $591.88/mo. This plan is $408.53/mo at 40 — a difference of $-183.35/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 Leelanau County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Select HMO Value | Blue Care Network of Michigan | $351.35 |
| Blue Cross® Premier PPO Value | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $394.37 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020004 in FIPS 26089.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Leelanau County
Reviewed by Jason Burns, Editorial Steward.