Blue Cross® Local HMO Bronze Extra
Starting at
$391
/month before subsidy
Blue Cross® Local HMO Bronze Extra is a 2026 Expanded_bronze HMO health insurance plan from Blue Care Network of Michigan, sold on the ACA Marketplace in Michigan under plan ID 98185MI0550023. The monthly premium starts at $391 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,500 ($15,000 for a family), and the individual out-of-pocket maximum is $10,000 ($20,000 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
- 98185MI0550023
- Plan year
- 2026
- State
- Michigan
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$7,500
Family: $15,000
Out-of-Pocket Max
$10,000
Family: $20,000
Coinsurance
50%
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
$10,060
your estimated cost
- Deductible
- $7,500
- Copays
- $0
- Coinsurance
- $2,500
Managing type 2 diabetes
A year of routine care
$1,920
your estimated cost
- Deductible
- $900
- Copays
- $1,000
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,600
your estimated cost
- Deductible
- $2,100
- Copays
- $500
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,224/month
Annual Premium
$4,692
OOP Maximum
$10,000
💡 What this means:
With a $7,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,000 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® Preferred HMO Bronze Extrafrom $461/mo
- Blue Cross® Preferred HMO Bronze Saver HSAfrom $469/mo
- Blue Cross® Select HMO Bronze Extrafrom $425/mo
Frequently asked questions about Blue Cross® Local HMO Bronze Extra
How much does Blue Cross® Local HMO Bronze Extra cost per month?
Blue Cross® Local HMO Bronze Extra from Blue Care Network of Michigan starts at $391 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 Bronze Extra?
The individual medical deductible is $7,500, and the family deductible is $15,000. 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 Bronze Extra?
The most you would pay in a year for covered in-network care is $10,000 for an individual and $20,000 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 Bronze Extra HSA-eligible?
Yes. Blue Cross® Local HMO Bronze Extra 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 Bronze Extra use?
Blue Cross® Local HMO Bronze Extra 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.