Blue Cross® Local HMO Gold Saver
Starting at
$582
/month before subsidy
Blue Cross® Local HMO Gold Saver is a 2027 Gold HMO health insurance plan from Blue Care Network of Michigan, sold on the ACA Marketplace in Michigan under plan ID 98185MI0180043. The monthly premium starts at $582 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,100 ($2,200 for a family), and the individual out-of-pocket maximum is $9,900 ($19,800 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 98185MI0180043
- Plan year
- 2027
- State
- Michigan
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,100
Family: $2,200
Out-of-Pocket Max
$9,900
Family: $19,800
Coinsurance
30%
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
$4,760
your estimated cost
- Deductible
- $1,100
- Copays
- $500
- Coinsurance
- $3,100
Managing type 2 diabetes
A year of routine care
$1,420
your estimated cost
- Deductible
- $800
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,000
your estimated cost
- Deductible
- $1,100
- Copays
- $600
- Coinsurance
- $300
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,407/month
Annual Premium
$6,984
OOP Maximum
$9,900
💡 What this means:
With a $1,100 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $9,900 total. Then insurance covers everything else for the year.
More plans from Blue Care Network of Michigan in Michigan
- Blue Cross® Local HMO Catastrophic HSAfrom $386/mo
- 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
Frequently asked questions about Blue Cross® Local HMO Gold Saver
How much does Blue Cross® Local HMO Gold Saver cost per month?
Blue Cross® Local HMO Gold Saver from Blue Care Network of Michigan starts at $582 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 Gold Saver?
The individual medical deductible is $1,100, and the family deductible is $2,200. 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 Gold Saver?
The most you would pay in a year for covered in-network care is $9,900 for an individual and $19,800 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 Gold Saver HSA-eligible?
No. Blue Cross® Local HMO Gold Saver 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® Local HMO Gold Saver use?
Blue Cross® Local HMO Gold Saver 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.