Blue Cross® Preferred HMO Gold — full price in Oceana County, Michigan (2026)
Blue Cross® Preferred HMO Gold (98185MI0180009), a gold plan from Blue Care Network of Michigan in Oceana County, Michigan, costs $892.45/month full price for a 40-year-old in 2026 — $1895.24 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 | $698.32 |
| 27 | $731.84 |
| 30 | $792.59 |
| 40 | $892.45 |
| 50 | $1247.20 |
| 60 | $1895.24 |
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 $471.47/mo. This plan is $892.45/mo at 40 — a difference of $420.98/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 Oceana County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $485.54 |
| Gold Elite Saver Plus | Oscar Insurance Company | $534.23 |
| Standard Gold | Ambetter from Meridian | $628.79 |
| Everyday Gold | Ambetter from Meridian | $638.59 |
| Standard Gold + Vision + Adult Dental | Ambetter from Meridian | $651.92 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0180009 in FIPS 26127.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Oceana County
Reviewed by Jason Burns, Editorial Steward.