Blue Cross® Preferred HMO Gold Extra — full price in Sanilac County, Michigan (2026)
Blue Cross® Preferred HMO Gold Extra (98185MI0550018), a gold plan from Blue Care Network of Michigan in Sanilac County, Michigan, costs $817.84/month full price for a 40-year-old in 2026 — $1736.80 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98185MI0550018 · 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 | $639.94 |
| 27 | $670.66 |
| 30 | $726.33 |
| 40 | $817.84 |
| 50 | $1142.93 |
| 60 | $1736.80 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $441.33/mo. This plan is $817.84/mo at 40 — a difference of $376.51/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 Sanilac County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Meridian | $465.68 |
| Everyday Gold | Ambetter from Meridian | $472.93 |
| Standard Gold + Vision + Adult Dental | Ambetter from Meridian | $482.81 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Meridian | $490.33 |
| Elite Gold | Ambetter from Meridian | $533.41 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98185MI0550018 in FIPS 26151.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Sanilac County
Reviewed by Jason Burns, Editorial Steward.