2026 plan year · Michigan
2026 health insurance plans in Alger County, MI
16 Marketplace plans from 2 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $910benchmark silver (age 40)
- $528cheapest bronze (age 40)
- 2insurers
- +21.5%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Cross® Preferred HMO Bronze Secure Blue Care Network of Michigan · HMO | $413 | $528 | $1,122 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $462 | $590 | $1,254 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan · HMO | $468 | $599 | $1,271 | $7,500 | $10,000 | $50 |
| Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan · HMO | $477 | $610 | $1,295 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $523 | $668 | $1,419 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $529 | $676 | $1,436 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Cross® Preferred HMO Silver Saver Blue Care Network of Michigan · HMO | $602 | $769 | $1,633 | $5,800 | $7,650 | $60 |
| Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan · HMO | $712 | $910 | $1,933 | $6,000 | $8,900 | $40 |
| Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $715 | $914 | $1,942 | $3,900 | $7,700 | $30 Copay after deductible |
| Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $776 | $992 | $2,107 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Cross® Preferred HMO Gold Blue Care Network of Michigan · HMO | $736 | $940 | $1,996 | $2,050 | $8,800 | $30 |
| Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan · HMO | $764 | $976 | $2,073 | $2,000 | $8,200 | $30 |
| Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $808 | $1,032 | $2,192 | $1,450 | $9,000 | $30 Copay after deductible |
| Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $901 | $1,152 | $2,446 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Cross® Premier PPO Value Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $383 | $489 | $1,039 | $10,600 | $10,600 | $30 |
| Blue Cross® Preferred HMO Value Blue Care Network of Michigan · HMO | $387 | $495 | $1,051 | $10,600 | $10,600 | $30 |
Care quality in Alger County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Alger County.
Frequently asked questions
How many Marketplace health plans are available in Alger County, MI for 2026?
16 plans from 2 insurers: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company.
What is the benchmark silver plan premium in Alger County, MI?
For 2026, the second-lowest-cost silver plan costs $910 a month for a 40-year-old before tax credits, up 21.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Alger County, MI?
The lowest bronze premium for a 40-year-old is $528 a month before tax credits. Bronze plans have low premiums but high deductibles.