2018 Michigan Health Plans

Coverage for these individual and family plans begins on or after Jan. 1, 2018

Bronze Plans 

Bronze plans are the best option if you don't use your health insurance often. They have the lowest monthly payments for people over 30, but you'll pay full cost for many services before you pay your deductible.

Blue Cross® Metro Detroit HMO Bronze Saver HSA

This plan for Oakland, Wayne and Macomb county residents pairs with health savings accounts.

Blue Cross® Metro Detroit HMO Bronze

If you live in Oakland, Wayne or Macomb county and you want to keep your health care within the Metro Detroit area, this plan could work for you.

Blue Cross® Select HMO Bronze Saver HSA

This plan has a low monthly premium and is good for people who have a doctor close to home.

Blue Cross® Select HMO Bronze

This affordable health care plan gives you a low monthly premium and pairs with your health savings account.

Blue Cross® Preferred HMO Bronze Saver HSA

This affordable bronze plan gives you access to the largest HMO network in Michigan.

Blue Cross® Premier PPO Bronze Saver

Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.

Blue Cross® Premier PPO Bronze HSA

See any doctor in our network without a referral — and get coverage that pairs with your health savings account — with this health plan.

Blue Cross® Premier PPO Bronze Extra

This health plan keeps out-of-pocket expenses low for individuals and families living anywhere in Michigan.

Silver Plans 

Silver plans can put good health care coverage within your budget. With much lower deductibles than bronze plans, you pay less up front for care. If you qualify for a subsidy, the value gets even better.

Blue Cross® Metro Detroit HMO Silver Saver

Do you live in Macomb, Oakland or Wayne county? This plan offers affordable in-network coverage for the services you'll use most.

Blue Cross® Metro Detroit HMO Silver

With this plan designed for Macomb, Oakland and Wayne county residents, you'll have one doctor who coordinates your care, cutting down on your health care costs.

Blue Cross® Metro Detroit HMO Silver Extra

Get health insurance at an affordable monthly price, and cut down your health care costs with this plan for residents in Oakland, Macomb and Wayne counties.

Blue Cross® Metro Detroit HMO Silver Off Marketplace

This plan is an economical option for residents in Oakland, Macomb and Wayne counties who don't qualify for a subsidy.

Blue Cross® Select HMO Silver Saver

This HMO plan shares your costs right away and offers access to a larger network of care.

Blue Cross® Select HMO Silver

Subsidies can make this plan very affordable for residents of Michigan's most populated counties.

Blue Cross® Select HMO Silver Extra

Learn more about this affordable plan with benefits that start as soon as your coverage does.

Blue Cross® Select HMO Silver Off Marketplace

This plan works for those who aren't eligible for a subsidy and live in Michigan's most populous counties.

Blue Cross® Preferred HMO Silver Saver

Get in-network coverage right away for services like office visits and prescriptions with this affordable health care plan.

Blue Cross® Preferred HMO Silver

If you're eligible for a health insurance subsidy, this plan can be very affordable.

Blue Cross® Preferred HMO Silver Extra

Find out more about this affordable option with lower out-of-pocket limits than many other silver plans.

Blue Cross® Preferred HMO Silver Off Marketplace

This plan will help you stay in your budget even though you don't qualify for a health insurance subsidy.

Blue Cross® Premier PPO Silver Saver HSA

Get lower out-of-pocket costs – and lower monthly costs if you use a health insurance subsidy – when you see any doctor in our network with this plan.

Blue Cross® Premier PPO Silver

This is a Michigan PPO plan that offers an affordable balance between coverage and out-of-pocket costs – especially if you're eligible for a subsidy.

Blue Cross® Premier PPO Silver Extra

You'll be covered right away for the services you'll use the most and get low out-of-pocket expenses with this health plan.

Blue Cross® Premier PPO Silver Off Marketplace

If you're not eligible for a health insurance subsidy, this is one of our more affordable Michigan PPO plans.

Gold Plans 

Gold plans make your expenses more predictable. Your fixed monthly payments are higher than bronze or silver plans. But when you use your insurance, you'll pay less out of pocket.

Blue Cross® Preferred HMO Gold

This plan limits out-of-pocket expenses for residents of all Michigan counties.

Blue Cross® Premier PPO Gold

Do you use your health insurance benefits a lot? This health plan offers low out-of-pocket expenses in every county in Michigan.

Catastrophic Plans 

These plans are for people 30 and under. You pay for all health care costs until you meet your deductible. Monthly payments are low, but you can't use a subsidy.

Blue Cross® Select HMO Value

This affordable individual HMO catastrophic plan is available to those under 30 living in Michigan's most-populated counties.

Blue Cross® Premier PPO Value

Our most affordable 2017 PPO plan for Michigan individuals and families under 30 offers low monthly payments and covers preventive care.