MHP Gold — full price in Macomb County, Michigan (2026)
MHP Gold (74917MI0020006), a gold plan from McLaren Health Plan Community in Macomb County, Michigan, costs $706.24/month full price for a 40-year-old in 2026 — $1499.79 at 60, with a $2,100 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74917MI0020006 · 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 | $552.61 |
| 27 | $579.14 |
| 30 | $627.21 |
| 40 | $706.24 |
| 50 | $986.96 |
| 60 | $1499.79 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,100
- Family deductible: $4,200
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $507.18/mo. This plan is $706.24/mo at 40 — a difference of $199.06/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 Macomb County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $542.78 |
| UHC Gold Advantage (No Referrals) | UnitedHealthcare | $547.24 |
| UHC Gold Copay Focus (No Referrals) | UnitedHealthcare | $557.20 |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) | UnitedHealthcare | $564.64 |
| MyPriority Standard Gold Southeast Michigan Network | Priority Health | $675.69 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020006 in FIPS 26099.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Macomb County
Reviewed by Jason Burns, Editorial Steward.