MHP Gold — full price in Washtenaw County, Michigan (2026)
MHP Gold (74917MI0020006), a gold plan from McLaren Health Plan Community in Washtenaw County, Michigan, costs $871.48/month full price for a 40-year-old in 2026 — $1850.70 at 60, with a $2,100 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74917MI0020006 · Issuer: McLaren Health Plan Community · 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 | $681.91 |
| 27 | $714.64 |
| 30 | $773.97 |
| 40 | $871.48 |
| 50 | $1217.89 |
| 60 | $1850.70 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,100
- Family deductible: $4,200
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $488.96/mo. This plan is $871.48/mo at 40 — a difference of $382.52/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 Washtenaw County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Meridian | $515.94 |
| Everyday Gold | Ambetter from Meridian | $523.97 |
| Standard Gold + Vision + Adult Dental | Ambetter from Meridian | $534.92 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Meridian | $543.25 |
| Elite Gold | Ambetter from Meridian | $590.99 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74917MI0020006 in FIPS 26161.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Washtenaw County
Reviewed by Jason Burns, Editorial Steward.