Blue Cross® Preferred HMO Gold — full price in Saginaw County, Michigan (2026)
Blue Cross® Preferred HMO Gold (98185MI0180009), a gold plan from Blue Care Network of Michigan in Saginaw County, Michigan, costs $773.20/month full price for a 40-year-old in 2026 — $1642.00 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 | $605.01 |
| 27 | $634.05 |
| 30 | $686.69 |
| 40 | $773.20 |
| 50 | $1080.55 |
| 60 | $1642.00 |
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 $632.60/mo. This plan is $773.20/mo at 40 — a difference of $140.60/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 gold plans in Saginaw County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MHP Gold | McLaren Health Plan Community | $682.80 |
| MHP Gold Standard | McLaren Health Plan Community | $689.05 |
| Blue Cross® Premier PPO Gold | Blue Cross Blue Shield of Michigan Mutual Insurance Company | $799.91 |
| Blue Cross® Preferred HMO Gold Extra | Blue Care Network of Michigan | $802.76 |
| MyPriority Standard Gold | Priority Health | $831.49 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0180009 in FIPS 26145.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saginaw County
Reviewed by Jason Burns, Editorial Steward.