Michigan · Insurer
McLaren Marketplace Plans in Michigan
McLaren Health Plan Community is the Marketplace HMO of McLaren Health Care, with about 4,700 members across 60 counties. Its Silver Exchange Rewards plan lowers cost sharing at labeled Rewards Providers.
- Member experience not rated by CMS for 2026; rated 5 for 2025.
- 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.
What makes McLaren different
McLaren hospitals in Flint, Lansing, Bay City and metro Detroit sit in a wider Community list with Michigan Medicine, Henry Ford, Corewell and Sparrow.
After a lower Rewards deductible, labeled Rewards Providers can be $0, while other in-network providers keep a higher deductible.
Public materials say in-network specialist office visits do not need a primary care referral. Many services still need preauthorization.
About 4,700 members with a 4-star CMS overall rating for 2025 and 2026, filing about 16.3% for 2027.
Is McLaren a good fit?
A good fit if
- You use McLaren hospitals or other Community network systems in the 60-county footprint
- You want a Rewards-tier Silver plan and will check the Rewards Provider list
- You want an HMO that does not require a primary care referral for specialist office visits
Think twice if
- Sold in 60 counties. Not available in the Upper Peninsula or in several southern and western counties including Berrien, Cass, Lenawee, Monroe, Muskegon, Oceana and Van Buren.
- Rewards savings apply only at Rewards Providers. Check the directory before assuming a McLaren doctor is in that tier.
- Filed 2027 increase of about 16.3% is higher than Priority Health, Oscar and the two Blue Cross companies.
Good starting points
From its 8 2026 plans statewide, lowest price in any Michigan rating area.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.
McLaren plans and prices
All 2026 McLaren plans in Michigan
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| MHP Bronze | MetalBronze | TypeHMO | Premium (age 40)$417 | Deductible$8,250 | OOP max$10,150 | Primary care50% after deductible | Specialist50% after deductible | Generic Rx$20 | HSANo | Counties60 |
| MHP Expanded Bronze Standard | MetalBronze | TypeHMO | Premium (age 40)$450 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties60 |
| MHP Bronze Saver (Expanded) | MetalBronze | TypeHMO | Premium (age 40)$452 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties60 |
| MHP Silver Exchange Rewards | MetalSilver | TypeHMO | Premium (age 40)$618 | Deductible$2,000 | OOP max$9,000 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$10 | HSANo | Counties60 |
| MHP Silver Exchange | MetalSilver | TypeHMO | Premium (age 40)$632 | Deductible$4,250 | OOP max$10,150 | Primary care$30 | Specialist$70 | Generic Rx$20 | HSANo | Counties60 |
| MHP Silver Standard | MetalSilver | TypeHMO | Premium (age 40)$640 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties60 |
| MHP Gold | MetalGold | TypeHMO | Premium (age 40)$639 | Deductible$2,100 | OOP max$8,000 | Primary care$30 | Specialist$60 | Generic Rx$10 | HSANo | Counties60 |
| MHP Gold Standard | MetalGold | TypeHMO | Premium (age 40)$645 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties60 |
| MHP Young Adult/Catastrophic | MetalCatastrophic | TypeHMO | Premium (age 40)$377 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties60 |
Other Michigan Marketplace insurers
Sources
- DIFS, 2027 Michigan Health Insurance Rate Change Requests, July 14, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- ACASignups, 2027 Michigan rate changes, September 30, 2026
- 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.