Blue Cross® Select HMO Silver Extra — full price in Ottawa County, Michigan (2026)
Blue Cross® Select HMO Silver Extra (98185MI0550001), a silver plan from Blue Care Network of Michigan in Ottawa County, Michigan, costs $796.50/month full price for a 40-year-old in 2026 — $1691.47 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0550001 · 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 | $623.24 |
| 27 | $653.16 |
| 30 | $707.38 |
| 40 | $796.50 |
| 50 | $1113.11 |
| 60 | $1691.47 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $471.47/mo. This plan is $796.50/mo at 40 — a difference of $325.03/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 Ottawa 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 |
| MyPriority Premier Silver Corewell Health West Michigan Network | Priority Health | $593.43 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0550001 in FIPS 26139.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Ottawa County
Reviewed by Jason Burns, Editorial Steward.