Michigan · Insurer

Blue Cross Marketplace Plans in Michigan

Updated October 7, 2026

Blue Cross Blue Shield of Michigan sells the Premier PPO plans on HealthCare.gov, with about 49,000 individual members. It is the Marketplace PPO in Michigan and, with Blue Care Network, covers 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)

PPOPlan type

4 of 5CMS quality rating (2026)

+12.9%Proposed 2027 change

What makes Blue Cross different

Premier PPO plans do not need referrals and cover some out-of-network care at higher cost, unlike the HMO products on Michigan's exchange.
With Blue Care Network, Blue Cross Blue Shield of Michigan is a Marketplace option in the 15 Upper Peninsula counties.
CMS rated the PPO 4 of 5 overall for 2025 and 2026, with 5 stars for member experience both years.
HSA-eligible Bronze, Silver and catastrophic plans sit alongside $0 virtual medical visits on the Premier PPO lineup.

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

Is Blue Cross a good fit?

A good fit if

You want a PPO with some out-of-network coverage and no referrals
You live in the Upper Peninsula and prefer a PPO over an HMO
You want an HSA-eligible Marketplace plan from Blue Cross

Think twice if

For 2027 the Marketplace PPO is listed in 72 counties, down from 83. Eleven West Michigan counties around Grand Rapids are the likely drop.
Scheduled care outside Michigan has out-of-network cost sharing. This is not a national in-network PPO for individual plans.
PPO premiums usually run higher than Blue Care Network HMO plans.

Good starting points

From its 8 2026 plans statewide, lowest price in any Michigan rating area.

BronzeBlue Cross® Premier PPO Bronze Secure$443/monthAge 40, 2026 premium before tax creditsLowest monthly premium

GoldBlue Cross® Premier PPO Gold$774/monthAge 40, 2026 premium before tax creditsLowest deductible, $1,450

GoldBlue Cross® Premier PPO Gold Extra$864/monthAge 40, 2026 premium before tax credits$30 primary care visits before the deductible

BronzeBlue Cross® Premier PPO Bronze Saver HSA$501/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 Cross plans and prices

All 2026 Blue Cross 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® Premier PPO Bronze Secure	MetalBronze	TypePPO	Premium (age 40)$443	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties83
Blue Cross® Premier PPO Bronze Saver HSA	MetalBronze	TypePPO	Premium (age 40)$501	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® Premier PPO Bronze Extra	MetalBronze	TypePPO	Premium (age 40)$507	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties83
Blue Cross® Premier PPO Silver Saver HSA	MetalSilver	TypePPO	Premium (age 40)$686	Deductible$3,900	OOP max$7,700	Primary care$30 after deductible	Specialist$50 after deductible	Generic Rx$15 after deductible	HSAYes	Counties83
Blue Cross® Premier PPO Silver	MetalSilver	TypePPO	Premium (age 40)$686	Deductible$3,200	OOP max$10,100	Primary care$30 after deductible	Specialist$50 after deductible	Generic Rx$15 after deductible	HSANo	Counties68
Blue Cross® Premier PPO Silver Extra	MetalSilver	TypePPO	Premium (age 40)$744	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties83
Blue Cross® Premier PPO Gold	MetalGold	TypePPO	Premium (age 40)$774	Deductible$1,450	OOP max$9,000	Primary care$30 after deductible	Specialist$50 after deductible	Generic Rx$15 after deductible	HSANo	Counties83
Blue Cross® Premier PPO Gold Extra	MetalGold	TypePPO	Premium (age 40)$864	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties83
Blue Cross® Premier PPO Value	MetalCatastrophic	TypePPO	Premium (age 40)$367	Deductible$10,600	OOP max$10,600	Primary care$30	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties83

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
bcbsm.com, 2027 Premier PPO Silver Standard, accessed October 7, 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.