Blue Cross Blue Shield of Michigan health insurance (2026)
Blue Cross Blue Shield of Michigan sells 29 marketplace plans in every Michigan county for 2026, from $345/mo; typical Silver $740/mo, before tax credits. Buy on HealthCare.gov.
$345Cheapest plan
$740Typical Silver plan
83of 83 counties
29Plans
Plan year 2026 prices (2027 prices will be added as soon as CMS publishes them). Monthly premium for one 40-year-old, before any tax credit (subsidy).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
Each person is priced by age using this state's official age curve; only the three oldest children under 21 are charged. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
Blue Cross Blue Shield of Michigan plans in Michigan
- Bronze $345–$714
- Silver $503–$1,048
- Gold $723–$1,217
- Catastrophic $351–$517
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 11 plans · $345–$714/mo | ||||||
| Blue Cross® Local HMO Bronze Secure | HMO | $345–$349in 3 counties | $10,600 | $10,600 | $14,743–$14,784 | Benefits summary Find doctors |
| Blue Cross® Select HMO Bronze Secure | HMO | $375–$483in 31 counties | $10,600 | $10,600 | $15,101–$16,397 | Benefits summary Find doctors |
| Blue Cross® Local HMO Bronze Extra Expanded Bronze | HMO | $391–$395in 3 counties | $7,500 | $10,000 | $14,696–$14,742 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Bronze Secure | HMO | $406–$528in 80 counties | $10,600 | $10,600 | $15,478–$16,938 | Benefits summary Find doctors |
| Blue Cross® Select HMO Bronze Extra Expanded Bronze | HMO | $425–$547in 31 counties | $7,500 | $10,000 | $15,097–$16,565 | Benefits summary Find doctors |
| Blue Cross® Select HMO Bronze Saver HSA Expanded Bronze | HMO | $433–$558in 31 counties | $8,500 | $8,500 | $13,697–$15,194 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Bronze Secure | PPO | $443–$624in 83 counties | $10,600 | $10,600 | $15,914–$18,085 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Bronze Extra Expanded Bronze | HMO | $461–$599in 83 counties | $7,500 | $10,000 | $15,529–$17,184 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Bronze Saver HSA Expanded Bronze | HMO | $469–$610in 83 counties | $8,500 | $8,500 | $14,133–$15,819 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Bronze Saver HSA Expanded Bronze | PPO | $501–$706in 83 counties | $8,500 | $8,500 | $14,514–$16,971 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Bronze Extra Expanded Bronze | PPO | $507–$714in 83 counties | $7,500 | $10,000 | $16,086–$18,573 | Benefits summary Find doctors |
| Silver 11 plans · $503–$1,048/mo | ||||||
| Blue Cross® Local HMO Silver Saver | HMO | $503–$508in 3 counties | $5,800 | $7,650 | $13,682–$13,742 | Benefits summary Find doctors |
| Blue Cross® Select HMO Silver Saver | HMO | $546–$703in 31 counties | $5,800 | $7,650 | $14,202–$16,089 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Silver Saver | HMO | $592–$769in 80 counties | $5,800 | $7,650 | $14,753–$16,879 | Benefits summary Find doctors |
| Blue Cross® Local HMO Silver Extra | HMO | $595–$601in 3 counties | $6,000 | $8,900 | $16,037–$16,108 | Benefits summary Find doctors |
| Blue Cross® Select HMO Silver | HMO | $612–$788in 31 counties | $4,500 | $10,600 | $17,939–$20,051 | Benefits summary Find doctors |
| Blue Cross® Select HMO Silver Extra | HMO | $646–$832in 31 counties | $6,000 | $8,900 | $16,648–$18,878 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Silver | HMO | $663–$854in 68 counties | $4,500 | $10,600 | $18,555–$20,846 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Silver Saver HSA | PPO | $686–$966in 83 counties | $3,900 | $7,700 | $15,928–$19,290 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Silver | PPO | $686–$966in 68 counties | $3,200 | $10,100 | $18,329–$21,692 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Silver Extra | HMO | $700–$910in 83 counties | $6,000 | $8,900 | $17,304–$19,820 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Silver Extra | PPO | $744–$1,048in 83 counties | $6,000 | $8,900 | $17,829–$21,477 | Benefits summary Find doctors |
| Gold 4 plans · $723–$1,217/mo | ||||||
| Blue Cross® Preferred HMO Gold | HMO | $723–$940in 83 counties | $2,050 | $8,800 | $17,481–$20,080 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Gold Extra | HMO | $751–$976in 83 counties | $2,000 | $8,200 | $17,213–$19,912 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Gold | PPO | $774–$1,091in 83 counties | $1,450 | $9,000 | $18,291–$22,087 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Gold Extra | PPO | $864–$1,217in 83 counties | $2,000 | $8,200 | $18,565–$22,800 | Benefits summary Find doctors |
| Catastrophic 3 plans · $351–$517/mo | ||||||
| Blue Cross® Select HMO Value | HMO | $351–$453in 31 counties | $10,600 | $10,600 | $14,816–$16,030 | Benefits summary Find doctors |
| Blue Cross® Premier PPO Value | PPO | $367–$517in 83 counties | $10,600 | $10,600 | $15,002–$16,800 | Benefits summary Find doctors |
| Blue Cross® Preferred HMO Value | HMO | $381–$495in 52 counties | $10,600 | $10,600 | $15,168–$16,536 | Benefits summary Find doctors |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where Blue Cross Blue Shield of Michigan sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Alcona County | 18 | $443–$982 | $772 |
| Alger County | 16 | $528–$1,152 | $912 |
| Allegan County | 24 | $478–$1,079 | $846 |
| Alpena County | 18 | $443–$982 | $772 |
| Antrim County | 18 | $406–$929 | $719 |
| Arenac County | 18 | $434–$892 | $709 |
| Baraga County | 16 | $528–$1,152 | $912 |
| Barry County | 18 | $518–$1,079 | $856 |
| Bay County | 24 | $401–$892 | $708 |
| Benzie County | 24 | $375–$929 | $663 |
| Berrien County | 24 | $483–$1,067 | $847 |
| Branch County | 18 | $498–$992 | $800 |
| Calhoun County | 24 | $460–$992 | $788 |
| Cass County | 24 | $483–$1,067 | $847 |
| Charlevoix County | 18 | $406–$929 | $719 |
| Cheboygan County | 18 | $443–$982 | $772 |
| Chippewa County | 16 | $443–$982 | $772 |
| Clare County | 18 | $468–$932 | $752 |
| Clinton County | 24 | $416–$978 | $736 |
| Crawford County | 18 | $443–$982 | $772 |
| Delta County | 16 | $528–$1,152 | $912 |
| Dickinson County | 16 | $528–$1,152 | $912 |
| Eaton County | 24 | $416–$978 | $736 |
| Emmet County | 18 | $406–$929 | $719 |
| Genesee County | 24 | $383–$887 | $677 |
| Gladwin County | 18 | $468–$932 | $752 |
| Gogebic County | 16 | $528–$1,152 | $912 |
| Grand Traverse County | 24 | $375–$929 | $663 |
| Gratiot County | 18 | $434–$892 | $709 |
| Hillsdale County | 18 | $451–$978 | $777 |
| Houghton County | 16 | $528–$1,152 | $912 |
| Huron County | 18 | $443–$997 | $777 |
| Ingham County | 24 | $416–$978 | $736 |
| Ionia County | 18 | $501–$1,217 | $915 |
| Iosco County | 18 | $443–$982 | $772 |
| Iron County | 16 | $528–$1,152 | $912 |
| Isabella County | 18 | $468–$932 | $752 |
| Jackson County | 24 | $416–$978 | $736 |
| Kalamazoo County | 24 | $460–$992 | $788 |
| Kalkaska County | 18 | $406–$929 | $719 |
| Kent County | 24 | $463–$1,217 | $818 |
| Keweenaw County | 16 | $528–$1,152 | $912 |
| Lake County | 18 | $501–$1,217 | $915 |
| Lapeer County | 24 | $383–$887 | $677 |
| Leelanau County | 24 | $375–$929 | $663 |
| Lenawee County | 24 | $421–$1,034 | $745 |
| Livingston County | 24 | $421–$1,034 | $745 |
| Luce County | 16 | $528–$1,152 | $912 |
| Mackinac County | 16 | $443–$982 | $772 |
| Macomb County | 26 | $345–$963 | $669 |
| Manistee County | 24 | $375–$929 | $663 |
| Marquette County | 16 | $528–$1,152 | $912 |
| Mason County | 18 | $501–$1,217 | $915 |
| Mecosta County | 18 | $501–$1,217 | $915 |
| Menominee County | 16 | $528–$1,152 | $912 |
| Midland County | 18 | $468–$932 | $752 |
| Missaukee County | 18 | $406–$929 | $719 |
| Monroe County | 24 | $388–$964 | $685 |
| Montcalm County | 18 | $501–$1,217 | $915 |
| Montmorency County | 18 | $443–$982 | $772 |
| Muskegon County | 24 | $463–$1,217 | $818 |
| Newaygo County | 18 | $501–$1,217 | $915 |
| Oakland County | 26 | $345–$963 | $669 |
| Oceana County | 18 | $501–$1,217 | $915 |
| Ogemaw County | 18 | $443–$982 | $772 |
| Ontonagon County | 16 | $528–$1,152 | $912 |
| Osceola County | 18 | $501–$1,217 | $915 |
| Oscoda County | 18 | $443–$982 | $772 |
| Otsego County | 18 | $443–$982 | $772 |
| Ottawa County | 24 | $463–$1,217 | $818 |
| Presque Isle County | 18 | $443–$982 | $772 |
| Roscommon County | 18 | $443–$982 | $772 |
| Saginaw County | 24 | $401–$892 | $708 |
| Sanilac County | 18 | $443–$997 | $777 |
| Schoolcraft County | 16 | $528–$1,152 | $912 |
| Shiawassee County | 24 | $383–$887 | $677 |
| St. Clair County | 24 | $413–$864 | $686 |
| St. Joseph County | 18 | $523–$1,067 | $850 |
| Tuscola County | 18 | $443–$997 | $777 |
| Van Buren County | 24 | $483–$1,067 | $847 |
| Washtenaw County | 24 | $421–$1,034 | $745 |
| Wayne County | 26 | $349–$964 | $676 |
| Wexford County | 24 | $375–$929 | $663 |
Other insurers in Michigan
- Ambetter (Centene) Silver $461/mo
- Oscar Health Silver $471/mo
- UnitedHealthcare Silver $532/mo
- Priority Health Silver $689/mo
- McLaren Health Plan Community Silver $699/mo
All Michigan prices · Sorted by typical Silver price.
Frequently asked questions
How much does Blue Cross Blue Shield of Michigan health insurance cost in Michigan?
For plan year 2026, Blue Cross Blue Shield of Michigan marketplace plans in Michigan cost $345 to $1,217 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $507, Silver $740, Gold $884. Prices depend on the county.
What is the cheapest Blue Cross Blue Shield of Michigan plan in Michigan?
Blue Cross® Local HMO Bronze Secure (Bronze), from $345 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does Blue Cross Blue Shield of Michigan sell marketplace plans in Michigan?
In all 83 counties of Michigan.
How do I buy a Blue Cross Blue Shield of Michigan plan in Michigan?
On HealthCare.gov (https://www.healthcare.gov/see-plans/), the official marketplace for Michigan, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.