Bronze plans are the budget tier of the individual and family lineup: the lowest monthly price in exchange for higher out-of-pocket costs when you need care. Two of the four options (006 and 104) are HSA eligible, adding a tax advantage on top of the low price. Bronze suits healthy people without regular medications who mainly want protection from catastrophic medical bills.
Our usual starting recommendation. It is HSA eligible, carries a lower deductible and out-of-pocket maximum than the other Bronze options, and as a “Plus” plan it includes some out-of-network benefit despite the HMO chassis, useful if your preferred doctor sits outside the core network.
All four use the Blue Advantage HMO network of in-network providers statewide. Emergency care is covered everywhere, and each plan includes free preventive visits and the essential health benefits required by the Affordable Care Act, with pharmacy coverage tiered between generic and brand drug pricing.
$6,500
$6,850
$6,600
$5,000
None (0% after deductible)
30%
20%
40%
$6,500
$7,150
$7,150
$6,550
0% after deductible
First 2 visits $40, then 30%
First visit $0, then 20%
40%
0% after deductible
30%
20%
40%
0% after deductible
$0
$0
40%
0% after deductible
30%
$950 per occurrence copay, then 20%
40%
0% after deductible
$40
100% after deductible
$20
0% after deductible
30%
$750 per occurrence copay, then 20%
40%
0% after deductible
50%
$400 per occurrence copay, then 40%
50%
0% after deductible
50%
$80 per occurrence copay, then 40%
50%
0% after deductible
50%
$600 per occurrence copay, then 40%
50%
Yes
No
No
Yes
0% after deductible
20%/20%/30%/40%/50%
$15/30%/40%/45%/50%
30%/30%/40%/50%/50%
0% after deductible
25%/25%/40%/50%/50%
$20/35%/50%/50%/50%
35%/35%/50%/50%/50%
Blue Advantage HMO
Blue Advantage HMO
Blue Advantage HMO
Blue Advantage HMO
If you visit the doctor rarely, want low premium health insurance in Michigan, and can absorb the deductible in a bad year, treating the plan as catastrophic protection, ideally funded through an HSA.
If you take prescriptions monthly or see a specialist regularly; the math on our coverage guide shows the break-even.
With a tax credit applied, a Silver plan sometimes has a lower total cost than Bronze. We run both quotes side by side.
Certain high-cost specialty medications must be filled through a designated specialty pharmacy to be covered at the plan benefit.
If you choose a brand drug when a generic equivalent exists, you pay the copay plus the cost difference between the two.
Some drugs require prior approval, or trying a lower-cost alternative first, before the plan covers them.
Maintenance medications can be filled in a 90-day supply through mail order, often at a lower per-month cost.
Add dental and vision for the whole family: $50 deductible per individual ($150 family maximum), waived for preventive services, with a $1,000 orthodontia benefit for children under 19 and a 31-day enrollment window after your health plan starts.
Every consultation starts with your questions, not our paperwork.
It is the cheapest metal tier under the Affordable Care Act, covering the same benefits as higher tiers but with a larger share of early costs on you. The Blue Cross bronze lineup includes four HMO plans, two of them HSA eligible.
Each step up trades a higher monthly bill for lower deductibles and copayments. Gold suits frequent care, Silver fits moderate use, Bronze rewards rarely-sick households. An hour with a licensed agent, or one quote session, settles which tier prices best for your age and county.
HMO plans cover the Blue Advantage network; the Plus versions add limited out-of-network benefits. If keeping a specific primary care provider matters, tell us first and we will confirm network status before you enroll. Anyone 65 or older should compare Medicare options instead, and employer groups belong on our group coverage page.
Priority Health, HAP, McLaren, Ambetter/Molina and others compete in most counties for 2026. As an independent agency we quote every health insurance company at once; start at our individual health insurance hub.
Shopping and enrolling takes minutes. Start your application online, or explore the individual health insurance hub to compare every Michigan carrier at once.
Blue Cross Blue Shield of Michigan is the state's largest insurer, selling individual PPO plans statewide on its Blue Cross Premier PPO network through HealthCare.gov. Below are representative 2026 on-exchange plans with verified fixed cost-sharing and member ratings. Deductible and out-of-pocket figures are single/individual values; premiums vary by age and county.
Gold PPO with a low $1,450 deductible on the statewide Premier network.
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.6 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
HSA-qualified Silver PPO with a low $7,700 out-of-pocket max.
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.6 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Silver PPO with a low $3,200 deductible.
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.6 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
HSA-qualified Bronze PPO; single deductible equals the out-of-pocket max.
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.6 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Bronze PPO for a lower monthly premium.
Rate all four categories - Cost, Plan Value, Customer Service and Network Size - to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.6 / 5 - seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
| Plan year | MI individual market (avg approved) | This carrier (approved) |
|---|---|---|
| 2019 | +1.7% | - |
| 2020 | -2.1% | - |
| 2021 | +1.1% | - |
| 2022 | +4.7% | - |
| 2023 | +5.5% | - |
| 2024 | +5.3% | - |
| 2025 | +10.5% | - |
| 2026 | +14.2% (avg) | +12.9% |
Sources: Michigan DIFS 2026 rate filings and ACA Signups MI 2026 summary. Carrier column = BCBS of Michigan approved individual rate change for 2026. Statewide column is the Michigan individual-market approved average.
BCBSM's Premier PPO is Michigan's broadest network with out-of-network coverage, but not always the cheapest after subsidies. A licensed agent can compare it against Blue Care Network, Priority Health and others at your ZIP, free. Call (855) 847-7020.