Blue Cross® Preferred HMO Gold — full price in Oakland County, Michigan (2026)
Blue Cross® Preferred HMO Gold (98185MI0180009), a gold plan from Blue Care Network of Michigan in Oakland County, Michigan, costs $740.15/month full price for a 40-year-old in 2026 — $1571.81 at 60, with a $2,050 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0180009 · 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 | $579.15 |
| 27 | $606.95 |
| 30 | $657.34 |
| 40 | $740.15 |
| 50 | $1034.36 |
| 60 | $1571.81 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,050
- Family deductible: $4,100
- Individual out-of-pocket max: $8,800
- Family out-of-pocket max: $17,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $507.18/mo. This plan is $740.15/mo at 40 — a difference of $232.97/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 gold plans in Oakland 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 98185MI0180009 in FIPS 26125.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Oakland County
Reviewed by Jason Burns, Editorial Steward.