MHP Bronze — full price in Oakland County, Michigan (2026)
MHP Bronze (74917MI0020011), a bronze plan from McLaren Health Plan Community in Oakland County, Michigan, costs $460.60/month full price for a 40-year-old in 2026 — $978.14 at 60, with a $8,250 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74917MI0020011 · 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 | $360.41 |
| 27 | $377.71 |
| 30 | $409.06 |
| 40 | $460.60 |
| 50 | $643.69 |
| 60 | $978.14 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $8,250
- Family deductible: $16,500
- 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 $460.60/mo at 40 — a difference of $-46.58/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 bronze plans in Oakland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Local HMO Bronze Secure | Blue Care Network of Michigan | $345.23 |
| UHC Bronze Essential (No Referrals) | UnitedHealthcare | $377.78 |
| Blue Cross® Select HMO Bronze Secure | Blue Care Network of Michigan | $383.76 |
| UHC Bronze Essential+ (Dental + Vision, No Referrals) | UnitedHealthcare | $395.17 |
| Blue Cross® Premier PPO Bronze Secure | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $493.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020011 in FIPS 26125.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Oakland County
Reviewed by Jason Burns, Editorial Steward.