Michigan · Insurer

Blue Care Network Marketplace Plans in Michigan

Updated October 7, 2026

Blue Care Network is the HMO arm of Blue Cross Blue Shield of Michigan, with about 114,000 members and Preferred, Select and Local networks. With BCBSM, it is one of two Marketplace options in the Upper Peninsula.

Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.

Compare plans for my ZIP codeFree. See your price after tax credits.

83 of 83Michigan counties (2026)

HMOPlan type

4 of 5CMS quality rating (2026)

+12.5%Proposed 2027 change

What makes Blue Care Network different

Preferred covers most of the state. Select is in 31 PCP Focus counties. Local is for Wayne, Oakland and Macomb around Trinity Health and Henry Ford Ascension hospitals.
With Blue Cross Blue Shield of Michigan, Blue Care Network is one of two HealthCare.gov choices in the 15 Upper Peninsula counties.
About 114,000 individual members, a 4-star CMS overall rating, and 5 stars for member experience in 2026.
Plans include $0 virtual medical visits. Select and Local networks add Gold plans for 2027.

Detroit skyline with the Renaissance Center towers rising above the Detroit River under a blue sky

Is Blue Care Network a good fit?

A good fit if

You want a Blue Cross HMO and are willing to use a primary care doctor for referrals
You live in the Upper Peninsula and need a Marketplace HMO
You live in Wayne, Oakland or Macomb and want the Local network built around Trinity Health and Henry Ford Ascension

Think twice if

You need a primary care doctor's referral to see a specialist.
Scheduled care outside Michigan is not covered; emergencies and online visits are.
Preferred HMO is listed in 80 counties for 2027, down from 83 in 2026. Confirm your county and network name.

Good starting points

From its 18 2026 plans statewide, lowest price in any Michigan rating area.

BronzeBlue Cross® Local HMO Bronze Secure$345/monthAge 40, 2026 premium before tax creditsLowest monthly premium

GoldBlue Cross® Preferred HMO Gold Extra$751/monthAge 40, 2026 premium before tax creditsLowest deductible, $2,000

SilverBlue Cross® Select HMO Silver$612/monthAge 40, 2026 premium before tax credits$30 primary care visits before the deductible

BronzeBlue Cross® Select HMO Bronze Saver HSA$433/monthAge 40, 2026 premium before tax creditsLowest-priced HSA-eligible plan

2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.

See my price after tax creditsCompare every insurer in your county and check your doctors.

Blue Care Network plans and prices

All 2026 Blue Care Network plans in Michigan

Premium is the lowest monthly premium before tax credits across Michigan rating areas. OOP max is the out-of-pocket maximum. Costs are in network, for the standard version of each plan.
Plan	Metal	Type	Premium (age 40)	Deductible	OOP max	Primary care	Specialist	Generic Rx	HSA	Counties
Blue Cross® Local HMO Bronze Secure	MetalBronze	TypeHMO	Premium (age 40)$345	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties3
Blue Cross® Select HMO Bronze Secure	MetalBronze	TypeHMO	Premium (age 40)$375	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties31
Blue Cross® Local HMO Bronze Extra	MetalBronze	TypeHMO	Premium (age 40)$391	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties3
Blue Cross® Preferred HMO Bronze Secure	MetalBronze	TypeHMO	Premium (age 40)$406	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties80
Blue Cross® Select HMO Bronze Extra	MetalBronze	TypeHMO	Premium (age 40)$425	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties31
Blue Cross® Select HMO Bronze Saver HSA	MetalBronze	TypeHMO	Premium (age 40)$433	Deductible$8,500	OOP max$8,500	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSAYes	Counties31
Blue Cross® Preferred HMO Bronze Extra	MetalBronze	TypeHMO	Premium (age 40)$461	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties83
Blue Cross® Preferred HMO Bronze Saver HSA	MetalBronze	TypeHMO	Premium (age 40)$469	Deductible$8,500	OOP max$8,500	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSAYes	Counties83
Blue Cross® Local HMO Silver Saver	MetalSilver	TypeHMO	Premium (age 40)$503	Deductible$5,800	OOP max$7,650	Primary care$60	Specialist$110	Generic Rx$4 after deductible	HSANo	Counties3
Blue Cross® Select HMO Silver Saver	MetalSilver	TypeHMO	Premium (age 40)$546	Deductible$5,800	OOP max$7,650	Primary care$60	Specialist$110	Generic Rx$4 after deductible	HSANo	Counties31
Blue Cross® Preferred HMO Silver Saver	MetalSilver	TypeHMO	Premium (age 40)$592	Deductible$5,800	OOP max$7,650	Primary care$60	Specialist$110	Generic Rx$4 after deductible	HSANo	Counties80
Blue Cross® Local HMO Silver Extra	MetalSilver	TypeHMO	Premium (age 40)$595	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties3
Blue Cross® Select HMO Silver	MetalSilver	TypeHMO	Premium (age 40)$612	Deductible$4,500	OOP max$10,600	Primary care$30	Specialist$50 after deductible	Generic Rx$4 after deductible	HSANo	Counties31
Blue Cross® Select HMO Silver Extra	MetalSilver	TypeHMO	Premium (age 40)$646	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties31
Blue Cross® Preferred HMO Silver	MetalSilver	TypeHMO	Premium (age 40)$663	Deductible$4,500	OOP max$10,600	Primary care$30	Specialist$50 after deductible	Generic Rx$4 after deductible	HSANo	Counties68
Blue Cross® Preferred HMO Silver Extra	MetalSilver	TypeHMO	Premium (age 40)$700	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties83
Blue Cross® Preferred HMO Gold	MetalGold	TypeHMO	Premium (age 40)$723	Deductible$2,050	OOP max$8,800	Primary care$30	Specialist$50 after deductible	Generic Rx$4 after deductible	HSANo	Counties83
Blue Cross® Preferred HMO Gold Extra	MetalGold	TypeHMO	Premium (age 40)$751	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties83
Blue Cross® Select HMO Value	MetalCatastrophic	TypeHMO	Premium (age 40)$351	Deductible$10,600	OOP max$10,600	Primary care$30	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties31
Blue Cross® Preferred HMO Value	MetalCatastrophic	TypeHMO	Premium (age 40)$381	Deductible$10,600	OOP max$10,600	Primary care$30	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties52

Good to know

Blue Cross and Blue Care Network reached a long-term Michigan Medicine contract on May 27, 2026 after a spring dispute.

Other Michigan Marketplace insurers

Sources

DIFS, 2027 Michigan Health Insurance Rate Change Requests, July 14, 2026
BCN Products at a glance 2026, January 1, 2026
CMS Nationwide QRS PUF PY2026, October 2025
CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026

← Michigan Marketplace guide and all insurers

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.