Blue Cross® Preferred HMO Bronze Extra — full price in Saint Clair County, Michigan (2026)
Blue Cross® Preferred HMO Bronze Extra (98185MI0550022), a expanded bronze plan from Blue Care Network of Michigan in Saint Clair County, Michigan, costs $506.73/month full price for a 40-year-old in 2026 — $1076.10 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0550022 · 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 | $396.50 |
| 27 | $415.53 |
| 30 | $450.03 |
| 40 | $506.73 |
| 50 | $708.15 |
| 60 | $1076.10 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $432.76/mo. This plan is $506.73/mo at 40 — a difference of $73.97/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 expanded bronze plans in Saint Clair County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MHP Expanded Bronze Standard | McLaren Health Plan Community | $459.71 |
| MHP Bronze Saver (Expanded) | McLaren Health Plan Community | $461.95 |
| MyPriority Value Bronze | Priority Health | $463.74 |
| MyPriority Standard Bronze | Priority Health | $465.83 |
| Blue Cross® Select HMO Bronze Extra | Blue Care Network of Michigan | $467.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0550022 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.