Blue Cross® Select HMO Silver — full price in Saginaw County, Michigan (2026)
Blue Cross® Select HMO Silver (98185MI0440016), a silver plan from Blue Care Network of Michigan in Saginaw County, Michigan, costs $653.62/month full price for a 40-year-old in 2026 — $1388.05 at 60, with a $4,500 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0440016 · 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 | $511.44 |
| 27 | $535.99 |
| 30 | $580.48 |
| 40 | $653.62 |
| 50 | $913.43 |
| 60 | $1388.05 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $632.60/mo. This plan is $653.62/mo at 40 — a difference of $21.02/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 silver plans in Saginaw County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Cross® Select HMO Silver Saver | Blue Care Network of Michigan | $583.59 |
| Blue Cross® Preferred HMO Silver Saver | Blue Care Network of Michigan | $632.60 |
| MyPriority Premier Silver | Priority Health | $651.56 |
| MHP Silver Exchange Rewards | McLaren Health Plan Community | $660.60 |
| MyPriority Balanced Silver | Priority Health | $671.99 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0440016 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.