Blue Cross® Preferred HMO Silver Saver — full price in Muskegon County, Michigan (2026)
Blue Cross® Preferred HMO Silver Saver (98185MI0180015), a silver plan from Blue Care Network of Michigan in Muskegon County, Michigan, costs $730.16/month full price for a 40-year-old in 2026 — $1550.59 at 60, with a $5,800 deductible and $7,650 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0180015 · 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 | $571.33 |
| 27 | $598.75 |
| 30 | $648.46 |
| 40 | $730.16 |
| 50 | $1020.40 |
| 60 | $1550.59 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,800
- Family deductible: $11,600
- Individual out-of-pocket max: $7,650
- Family out-of-pocket max: $15,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $471.47/mo. This plan is $730.16/mo at 40 — a difference of $258.69/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.
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Other silver plans in Muskegon County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | Oscar Insurance Company | $471.29 |
| Silver Simple PCP Saver | Oscar Insurance Company | $471.47 |
| Silver Classic | Oscar Insurance Company | $475.55 |
| Clear Silver | Ambetter from Meridian | $591.23 |
| Standard Silver | Ambetter from Meridian | $595.92 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0180015 in FIPS 26121.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Muskegon County
Reviewed by Jason Burns, Editorial Steward.