51-999 employees
UpdateMinimum Value Plans
If your business has 51 or more employees, you can offer this coverage as an additional plan option.
Plan highlights
- Meets the minimum value requirement of at least 60% actuarial value as determined by the CMS Minimum Value Calculator.
- When you pair this plan with our PCP Focus network, available in 31 Michigan counties, you'll save more.
- Prescription drug coverage is included with most plan options. Connect with us to learn more.
NETWORK SIZE
PREMIUM COST
$$$
LEVEL OF CONSUMER ENGAGEMENT
Low to medium
INDIVIDUAL DEDUCTIBLE
$1,500 - $6,350
How Minimum Value works
Minimum Value is a standard that was created under the Affordable Care Act to ensure that employees receive health care coverage through their employer. These plans meet the minimum value requirement of at least 60% actuarial value as determined by the CMS Minimum Value Calculator.
How plans with PCP Focus work
PCP Focus lowers costs by offering maximum-quality HMO-managed care to members who choose a doctor from the PCP Focus network. This local, custom network offers all the provider access your employees need to improve their health. Additionally, when paired with a BCN HMO plan, the PCP Focus network provides employers — located in an eligible Michigan county and with fewer than 300 BCN-enrolled contracts — typically up to 10% premium savings versus the standalone plan.
New for 2026: We’ve expanded the PCP Focus network by 55% into 11 additional counties to give more employers and their employees more ways to save.
Allegan, Bay, Benzie, Berrien, Calhoun, Cass, Clinton, Eaton, Genesee, Grand Traverse, Ingham, Jackson, Kalamazoo, Kent, Lapeer, Leelanau, Lenawee, Livingston, Macomb, Manistee, Monroe, Muskegon, Oakland, Ottawa, Saginaw, Shiawassee, St. Clair, Van Buren, Washtenaw, Wayne, Wexford.
Want more details about minimum value health plans?
2026 documents
Download the 2026 BCN HMO plan certificate (PDF)
Download the 2026 BCN HSA plan certificate (PDF)
Download the 2026 Simply Blue PPO MVP with Affinity Rx plan certificate (PDF)
Download the 2026 Simply Blue HSA PPO MVP plan certificate (PDF)
PPO plan options
Simply Blue PPO $1,500/20% MVP with Affinity Rx
This is a top-level plan with a $1,500 deductible and 20% coinsurance.
Monthly premium
High
Deductible
$1,500
Out-of-pocket maximum
$4,000
PCP visit copay
$30
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$1,500
Out of network
$3,000
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$3,000
Out of network
$6,000
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
20%
Out of network
40%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$4,000
Out of network
$8,000
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$8,000
Out of network
$16,000
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
$30
Out of network
40% coinsurance
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$1,500 | $3,000 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$3,000 | $6,000 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
20% | 40% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$4,000 | $8,000 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$8,000 | $16,000 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$30 | 40% coinsurance |
Simply Blue HSA PPO $4,000/50% MVP
This is a standard-level plan with a $4,000 deductible and 50% coinsurance after deductible.
Monthly premium
Low
Deductible
$4,000
Out-of-pocket maximum
$6,350
PCP visit copay
50% coinsurance after deductible
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$4,000
Out of network
$8,000
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$8,000
Out of network
$16,000
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
50%
Out of network
50%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$6,350
Out of network
$12,700
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$12,700
Out of network
$25,400
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
50% coinsurance after deductible
Out of network
50% coinsurance after deductible
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$4,000 | $8,000 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$8,000 | $16,000 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
50% | 50% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$6,350 | $12,700 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$12,700 | $25,400 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
50% coinsurance after deductible | 50% coinsurance after deductible |
Simply Blue HSA PPO $6,350/0% MVP
This is a standard-level plan with a $6,350 deductible and 0% coinsurance.
Monthly premium
Low
Deductible
$6,350
Out-of-pocket maximum
$6,350
PCP visit copay
$0 after deductible
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$6,350
Out of network
$12,700
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$12,700
Out of network
$25,400
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
0%
Out of network
20%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$6,350
Out of network
$15,000
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$12,700
Out of network
$30,000
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
$0 after deductible
Out of network
20% coinsurance after deductible
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$6,350 | $12,700 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$12,700 | $25,400 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
0% | 20% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$6,350 | $15,000 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$12,700 | $30,000 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$0 after deductible | 20% coinsurance after deductible |
HMO plan options
BCN HMO $1,500/20% MVP
This is a mid-level plan with a $1,500 deductible and 20% coinsurance.
Monthly premium
Medium
Deductible
$1,500
Out-of-pocket maximum
$5,000
PCP visit copay
$30
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$1,500
Out of network
Not covered
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$3,000
Out of network
Not covered
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
20%
Out of network
Not covered
Embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
Not covered
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$5,000
Out of network
Not covered
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$10,000
Out of network
Not covered
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
$30
Out of network
Not covered
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$1,500 | Not covered | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$3,000 | Not covered | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
20% | Not covered | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | Not covered | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$5,000 | Not covered | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$10,000 | Not covered | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$30 | Not covered |
BCN HSA $4,000/50% MVP
This is a standard-level plan with a $4,000 deductible and 50% coinsurance after deductible.
Monthly premium
Low
Deductible
$4,000
Out-of-pocket maximum
$6,350
PCP visit copay
50% coinsurance after deductible
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$4,000
Out of network
Not covered
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$8,000
Out of network
Not covered
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
50%
Out of network
Not covered
Embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
Not covered
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$6,350
Out of network
Not covered
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$12,700
Out of network
Not covered
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
50% coinsurance after deductible
Out of network
50% coinsurance after deductible
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$4,000 | Not covered | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$8,000 | Not covered | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
50% | Not covered | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | Not covered | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$6,350 | Not covered | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$12,700 | Not covered | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
50% coinsurance after deductible | 50% coinsurance after deductible |
BCN HSA $6,350/0% MVP
This is a standard-level plan with a $6,350 deductible and 0% coinsurance.
Monthly premium
Low
Deductible
$6,350
Out-of-pocket maximum
$6,350
PCP visit copay
$0 after deductible
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$6,350
Out of network
Not covered
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$12,700
Out of network
Not covered
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
0%
Out of network
Not covered
Embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
Not covered
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$6,350
Out of network
Not covered
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$12,700
Out of network
Not covered
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
$0 after deductible
Out of network
Not covered
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$6,350 | Not covered | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$12,700 | Not covered | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
0% | Not covered | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | Not covered | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$6,350 | Not covered | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$12,700 | Not covered | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$0 after deductible | Not covered |
Frequently asked questions
Our agents can help you set up your plan, enroll your employees and help you determine the easiest way to set up payments. Contact an agent to learn more.
There are three types of accounts used to pay for medical expenses: a health savings account, or HSA, a health reimbursement arrangement, or HRA, and a flexible spending account, also known as an FSA.
These accounts are part of what's called consumer-directed healthcare. They offer:
- Potential tax savings by being tax exempt or tax deductible
- More control over healthcare costs
- Lower healthcare costs
We can help you decide which is best for your business and employees. Connect with us.
PCP Focus is a custom primary care physician HMO network offered by Blue Care Network. The doctors your employees will choose from this network have shown they can provide quality care and a high level of efficiency that lowers healthcare costs. We pass those savings on to you: your premiums are up to 8% lower when you choose a plan with the PCP Focus network.
Interested in this plan for your employees?
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TOOLKITS
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