MHP Silver Exchange — full price in Oakland County, Michigan (2026)
MHP Silver Exchange (74917MI0020005), a silver plan from McLaren Health Plan Community in Oakland County, Michigan, costs $698.89/month full price for a 40-year-old in 2026 — $1484.18 at 60, with a $4,250 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74917MI0020005 · 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 | $546.86 |
| 27 | $573.11 |
| 30 | $620.69 |
| 40 | $698.89 |
| 50 | $976.70 |
| 60 | $1484.18 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,250
- Family deductible: $8,500
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $507.18/mo. This plan is $698.89/mo at 40 — a difference of $191.71/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 Oakland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Local HMO Silver Saver | Blue Care Network of Michigan | $502.68 |
| UHC Silver Value (No Referrals) | UnitedHealthcare | $507.18 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $510.14 |
| UHC Silver Advantage (No Referrals) | UnitedHealthcare | $514.08 |
| UHC Silver Value+ (Dental + Vision, No Referrals) | UnitedHealthcare | $524.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020005 in FIPS 26125.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Oakland County
Reviewed by Jason Burns, Editorial Steward.