Blue Cross® Preferred HMO Silver Extra — full price in Saint Clair County, Michigan (2026)
Blue Cross® Preferred HMO Silver Extra (98185MI0550002), a silver plan from Blue Care Network of Michigan in Saint Clair County, Michigan, costs $770.26/month full price for a 40-year-old in 2026 — $1635.75 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0550002 · 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 | $602.71 |
| 27 | $631.64 |
| 30 | $684.08 |
| 40 | $770.26 |
| 50 | $1076.44 |
| 60 | $1635.75 |
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 $432.76/mo. This plan is $770.26/mo at 40 — a difference of $337.50/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 Saint Clair County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Silver | Ambetter from Meridian | $429.35 |
| Standard Silver | Ambetter from Meridian | $432.76 |
| Standard Silver + Vision + Adult Dental | Ambetter from Meridian | $448.68 |
| Blue Cross® Select HMO Silver Saver | Blue Care Network of Michigan | $600.53 |
| MHP Silver Exchange Rewards | McLaren Health Plan Community | $631.23 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0550002 in FIPS 26147.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Clair County
Reviewed by Jason Burns, Editorial Steward.