Blue Cross® Preferred HMO Silver
Starting at
$663
/month before subsidy
Blue Cross® Preferred HMO Silver is a 2026 Silver HMO health insurance plan from Blue Care Network of Michigan, sold on the ACA Marketplace in Michigan under plan ID 98185MI0180005. The monthly premium starts at $663 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($9,000 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 98185MI0180005
- Plan year
- 2026
- State
- Michigan
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,500
Family: $9,000
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
20%
You pay after deductible
Network Type
HMO
MIN005
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$5,970
your estimated cost
- Deductible
- $4,500
- Copays
- $10
- Coinsurance
- $1,400
Managing type 2 diabetes
A year of routine care
$4,830
your estimated cost
- Deductible
- $4,500
- Copays
- $300
- Coinsurance
- $10
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,546/month
Annual Premium
$7,956
OOP Maximum
$10,600
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Blue Care Network of Michigan in Michigan
- Blue Cross® Preferred HMO Valuefrom $381/mo
- Blue Cross® Select HMO Valuefrom $351/mo
- Blue Cross® Local HMO Bronze Securefrom $345/mo
- Blue Cross® Preferred HMO Bronze Securefrom $406/mo
- Blue Cross® Select HMO Bronze Securefrom $375/mo
- Blue Cross® Local HMO Bronze Extrafrom $391/mo
- Blue Cross® Preferred HMO Bronze Extrafrom $461/mo
- Blue Cross® Preferred HMO Bronze Saver HSAfrom $469/mo
Frequently asked questions about Blue Cross® Preferred HMO Silver
How much does Blue Cross® Preferred HMO Silver cost per month?
Blue Cross® Preferred HMO Silver from Blue Care Network of Michigan starts at $663 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 Blue Cross® Preferred HMO Silver?
The individual medical deductible is $4,500, and the family deductible is $9,000. 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 Blue Cross® Preferred HMO Silver?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Cross® Preferred HMO Silver HSA-eligible?
No. Blue Cross® Preferred HMO Silver is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Blue Cross® Preferred HMO Silver use?
Blue Cross® Preferred HMO Silver 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.