Blue Cross® Local HMO Catastrophic HSA
Starting at
$386
/month before subsidy
Blue Cross® Local HMO Catastrophic HSA is a 2027 Catastrophic HMO health insurance plan from Blue Care Network of Michigan, sold on the ACA Marketplace in Michigan under plan ID 98185MI0180042. The monthly premium starts at $386 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $12,000 ($24,000 for a family), and the individual out-of-pocket maximum is $12,000 ($24,000 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 98185MI0180042
- Plan year
- 2027
- State
- Michigan
- Metal level
- Catastrophic
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$12,000
Family: $24,000
Out-of-Pocket Max
$12,000
Family: $24,000
Coinsurance
0%
You pay after deductible
Network Type
HMO
MIN007
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
$12,060
your estimated cost
- Deductible
- $12,000
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$5,420
your estimated cost
- Deductible
- $5,400
- Copays
- $0
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
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This Catastrophic 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 $12,000 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
$1,386/month
Annual Premium
$4,632
OOP Maximum
$12,000
💡 What this means:
With a $12,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $12,000 total. Then insurance covers everything else for the year.
More plans from Blue Care Network of Michigan in Michigan
- Blue Cross® Preferred HMO Catastrophic HSAfrom $423/mo
- Blue Cross® Select HMO Catastrophic HSAfrom $394/mo
- Blue Cross® Local HMO Bronze Saver HSAfrom $411/mo
- Blue Cross® Preferred HMO Bronze Saver HSAfrom $451/mo
- Blue Cross® Select HMO Bronze Saver HSAfrom $421/mo
- Blue Cross® Local HMO Bronze Plus HSAfrom $432/mo
- Blue Cross® Local HMO Bronze Standard HSAfrom $416/mo
- Blue Cross® Preferred HMO Bronze Plus HSAfrom $473/mo
Frequently asked questions about Blue Cross® Local HMO Catastrophic HSA
How much does Blue Cross® Local HMO Catastrophic HSA cost per month?
Blue Cross® Local HMO Catastrophic HSA from Blue Care Network of Michigan starts at $386 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® Local HMO Catastrophic HSA?
The individual medical deductible is $12,000, and the family deductible is $24,000. 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® Local HMO Catastrophic HSA?
The most you would pay in a year for covered in-network care is $12,000 for an individual and $24,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Cross® Local HMO Catastrophic HSA HSA-eligible?
Yes. Blue Cross® Local HMO Catastrophic HSA 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 Blue Cross® Local HMO Catastrophic HSA use?
Blue Cross® Local HMO Catastrophic HSA 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.