MHP Bronze
Starting at
$417
/month before subsidy
MHP Bronze is a 2026 Bronze HMO health insurance plan from McLaren Health Plan Community, sold on the ACA Marketplace in Michigan under plan ID 74917MI0020011. The monthly premium starts at $417 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $8,250 ($16,500 for a family), and the individual out-of-pocket maximum is $10,150 ($20,300 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 74917MI0020011
- Plan year
- 2026
- State
- Michigan
- Metal level
- Bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$8,250
Family: $16,500
Out-of-Pocket Max
$10,150
Family: $20,300
Coinsurance
50%
You pay after deductible
Network Type
HMO
MIN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$10,210
your estimated cost
- Deductible
- $8,250
- Copays
- $0
- Coinsurance
- $1,900
Managing type 2 diabetes
A year of routine care
$5,220
your estimated cost
- Deductible
- $5,100
- Copays
- $100
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,810
your estimated cost
- Deductible
- $2,800
- Copays
- $10
- Coinsurance
- $0
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This Bronze HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.
Consider this plan if you:
- Rarely visit the doctor beyond annual checkups
- Have savings to cover the $8,250 deductible if needed
- Primarily need coverage for unexpected emergencies
- Want to minimize monthly healthcare expenses
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,263/month
Annual Premium
$5,004
OOP Maximum
$10,150
💡 What this means:
With a $8,250 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from McLaren Health Plan Community in Michigan
Frequently asked questions about MHP Bronze
How much does MHP Bronze cost per month?
MHP Bronze from McLaren Health Plan Community starts at $417 per month before any subsidy in Michigan. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for MHP Bronze?
The individual medical deductible is $8,250, and the family deductible is $16,500. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for MHP Bronze?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $20,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is MHP Bronze HSA-eligible?
Yes. MHP Bronze is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does MHP Bronze use?
MHP Bronze is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.