2023 Michigan Health Plans
Coverage for these individual and family plans begins on or after Jan. 1, 2023.
Bronze Plans
Jump to: Silver | Gold | Catastrophic
Bronze plans are the best option if you don't use your health insurance often. They have the lowest monthly payments for people over 30, but you'll pay full cost for many services before you pay your deductible.
Blue Cross® Local HMO Bronze Saver HSA
This plan has a low monthly premium and is good for people who have a doctor close to home. It pairs with your health savings account.
Blue Cross® Local HMO Bronze
If you live in Oakland, Wayne or Macomb county and you want to keep your health care within the Metro Detroit area, this plan could work for you.
Blue Cross® Local HMO Bronze Extra
You'll be covered right away for the services you'll use the most. This plan keeps out-of-pocket expenses low for individuals and families living in Macomb, Oakland, and Wayne counties.
Blue Cross® Local HMO Bronze Secure
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network. It's available in Macomb, Oakland and Wayne counties.
Blue Cross® Metro Detroit HMO Bronze Saver HSA
This plan is for Oakland, Wayne and Macomb county residents and pairs with your health savings accounts.
Blue Cross® Metro Detroit HMO Bronze
If you live in Oakland, Wayne or Macomb county and you want to keep your health care within the Metro Detroit area, this plan could work for you.
Blue Cross® Metro Detroit HMO Bronze Extra
You'll be covered right away for the services you'll use the most. This plan keeps out-of-pocket expenses low for individuals and families living Macomb, Oakland, and Wayne counties.
Blue Cross® Metro Detroit HMO Bronze Secure
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network. Available in Macomb, Oakland and Wayne counties.
Blue Cross® Select HMO Bronze Saver HSA
This affordable health care plan gives you a low monthly premium and pairs with your health savings account.
Blue Cross® Select HMO Bronze
This plan has a low monthly premium and is good for people who have a doctor close to home.
Blue Cross® Select HMO Bronze Extra
You'll be covered right away for the services you'll use the most. This plan keeps out-of-pocket expenses low for individuals and families living in Michigans most populated counties.
Blue Cross® Select HMO Bronze Secure
You'll be covered right away for the services you'll use the most. This plan keeps out-of-pocket expenses low for individuals and families living in Michigans most populated counties.
Blue Cross® Preferred HMO Bronze Saver HSA
This affordable bronze plan gives you access to the largest HMO network in Michigan and pairs with your health savings account.
Blue Cross® Preferred HMO Bronze
This affordable bronze plan gives you access to the largest HMO network in Michigan.
Blue Cross® Preferred HMO Bronze Extra
You'll be covered right away for the services you'll use the most. This plan keeps out-of-pocket expenses low for individuals and families living anywhere in Michigan.
Blue Cross® Preferred HMO Bronze Secure
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
Blue Cross® Preferred HMO Virtual Primary Care Bronze
With a virtual PCP plan you can receive care virtually from the comfort of your own home, available in every county in Michigan
Blue Cross® Premier PPO Bronze HSA
See any doctor in our network without a referral — and get coverage that pairs with your health savings account — with this health plan.
Blue Cross® Premier PPO Bronze Extra
You'll be covered right away for the services you'll use the most. This plan keeps out-of-pocket expenses low for individuals and families living anywhere in Michigan.
Blue Cross® Premier PPO Bronze Secure
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
Silver Plans
Jump to: Bronze | Gold | Catastrophic
Silver plans can put good health care coverage within your budget. With much lower deductibles than bronze plans, you pay less up front for care. If you qualify for a subsidy, the value gets even better.
Blue Cross® Local HMO Silver Saver
Do you live in Macomb, Oakland or Wayne county? This plan offers affordable in-network coverage for the services you'll use most.
Blue Cross® Local HMO Silver
With this plan designed for Macomb, Oakland and Wayne county residents, you'll have one doctor who coordinates your care, cutting down on your health care costs.
Blue Cross® Local HMO Silver Extra
Get health insurance at an affordable monthly price, and cut down your health care costs with this plan for residents in Macomb, Oakland and Wayne counties.
Blue Cross® Local HMO Silver Off Marketplace
This plan is an economical option for residents in Oakland, Macomb and Wayne counties who don't qualify for a subsidy.
Blue Cross® Metro Detroit HMO Silver Saver
Do you live in Macomb, Oakland or Wayne county? This plan offers affordable in-network coverage for the services you'll use most.
Blue Cross® Metro Detroit HMO Silver
With this plan designed for Macomb, Oakland and Wayne county residents, you'll have one doctor who coordinates your care, cutting down on your health care costs.
Blue Cross® Metro Detroit HMO Silver Extra
Get health insurance at an affordable monthly price, and cut down your health care costs with this plan for residents in Oakland, Macomb and Wayne counties.
Blue Cross® Metro Detroit HMO Silver Off Marketplace
This plan is an economical option for residents in Oakland, Macomb and Wayne counties who don't qualify for a subsidy.
Blue Cross® Select HMO Silver Saver
This HMO plan shares your costs right away and offers access to a larger network of care.
Blue Cross® Select HMO Silver
Subsidies can make this plan very affordable for residents of Michigan's most populated counties.
Blue Cross® Select HMO Silver Extra
Learn more about this affordable plan with benefits that start as soon as your coverage does.
Blue Cross® Select HMO Silver Off Marketplace
This plan works for those who aren't eligible for a subsidy and live in Michigan's most populous counties.
Blue Cross® Preferred HMO Silver Saver
Get in-network coverage right away for services like office visits and prescriptions with this affordable health care plan.
Blue Cross® Preferred HMO Silver
If you're eligible for a health insurance subsidy, this plan can be very affordable.
Blue Cross® Preferred HMO Silver Extra
Find out more about this affordable option with lower out-of-pocket limits than many other silver plans.
Blue Cross® Preferred HMO Silver Off Marketplace
This plan will help you stay in your budget even though you don't qualify for a health insurance subsidy.
Blue Cross® Preferred HMO Virtual Primary Care Silver
With a virtual PCP plan you can receive care virtually from the comfort of your own home
Blue Cross® Premier PPO Silver Saver HSA
Get lower monthly and out-of-pocket costs and see any doctor in our network. You can also pair this plan with an HSA account.
Blue Cross® Premier PPO Silver
This is a Michigan PPO plan that offers an affordable balance between coverage and out-of-pocket costs – especially if you're eligible for a subsidy.
Blue Cross® Premier PPO Silver Extra
You'll be covered right away for the services you'll use the most and get low out-of-pocket expenses with this health plan.
Blue Cross® Premier PPO Silver Off Marketplace
If you're not eligible for a health insurance subsidy, this is one of our more affordable Michigan PPO plans.
Gold Plans
Jump to: Bronze | Silver | Catastrophic
Gold plans make your expenses more predictable. Your fixed monthly payments are higher than bronze or silver plans. But when you use your insurance, you'll pay less out of pocket.
Blue Cross® Preferred HMO Gold
This plan limits out-of-pocket expenses for residents of all Michigan counties.
Blue Cross® Preferred HMO Gold Extra
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
Blue Cross® Premier PPO Gold
Do you use your health insurance benefits a lot? This health plan offers low deductibles in every county in Michigan.
Blue Cross® Premier PPO Gold Extra
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
Catastrophic Plans
These plans are for people 30 and under. You pay for all health care costs until you meet your deductible. Monthly payments are low, but you can't use a subsidy.
Blue Cross® Select HMO Value
This affordable individual HMO catastrophic plan is available to those under 30 living in Michigan's most-populated counties. It offers coverage before your deductible's met on primary care visits, urgent care visits, laboratory services and preventive care.
Blue Cross® Premier PPO Value
Our most affordable PPO plan for Michigan individuals under 30 offers low monthly payments with coverage before you even meet your deductible. You'll get three primary care visits with a $30 copay and preventive care.
Blue Cross® Preferred HMO Value
This affordable HMO plan is offered in the 63 rural counties for Michigan individuals under 30. It has coverage before your deductible's met on primary care visits, urgent care visits, laboratory services and preventive care.
