Individual and Family Medical Plans
As Michigan's largest health insurance company, Blue Cross Blue Shield of Michigan and Blue Care Network have coverage to fit your life and budget.
Which plan tier is right for you?
Bronze: Bronze plans are for people that don't use their health insurance often. They have the lowest payments for people over 30, but you'll pay full cost for many services until you meet your deductible.
Silver: Silver plans offer good coverage on a budget. They have lower deductibles than bronze plans so you pay less up front for care. If you qualify for a subsidy, the value gets even better.
Gold: Gold plans make expenses more predictable. The fixed monthly payments are higher than bronze or silver plans, but when you use your insurance, you'll pay less out of pocket.
Catastrophic: Catastrophic plans are for people 30 and under who plan on minimal health care expenses, or over 30 and meet the guidelines for a hardship exemption. You'll pay for all health care costs until you meet your deductible. Monthly payments are low, but you can't use a subsidy.
Bronze plans
-
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.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a higher deductible, but you'll have copays on some of the benefits you use after your deductible is met.
-
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.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
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.
-
This affordable health care plan gives you a low monthly premium and pairs with your health savings account.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a higher deductible, but you'll have copays on some of the benefits you use after your deductible is met.
-
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 Michigan's most populated counties.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
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 Michigan's most populated counties.
-
This affordable bronze plan gives you access to the largest HMO network in Michigan and pairs with your health savings account.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a higher deductible, but you'll have copays on some of the benefits you use after your deductible is met.
-
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.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
-
This plan has a low monthly premium but a higher deductible. You're covered if you get sick or injured and can easily pair this plan with a health savings account.
-
See any doctor in our network without a referral — and get coverage that pairs with your health savings account — with this health plan.
-
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.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
Silver plans
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. Some of your benefits start right when your plan does.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. They're good for people who want to pay a little more each month in order to pay less at the doctor.
-
These off-marketplace plans are for people who aren't eligible for a health insurance subsidy. You can only get care from certain doctors and hospitals. But you'll have a low monthly premium, and you'll pay nothing for preventive care.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, so you'll pay a moderate amount before the plan starts covering cost.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. Some of your benefits start right when your plan does.
-
With this plan, you choose a primary care provider who participates in the network and refers you to other doctors in the network.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. They're good for people who want to pay a little more each month in order to pay less at the doctor.
-
These off-marketplace plans are for people who aren't eligible for a health insurance subsidy. You can only get care from certain doctors and hospitals. But you'll have a low monthly premium, and you'll pay nothing for preventive care.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, so you'll pay a moderate amount before the plan starts covering cost.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. Some of your benefits start right when your plan does.
-
If you're eligible for a health insurance subsidy, this plan can be very affordable.
-
Find out more about this affordable option with lower out-of-pocket limits than many other silver plans.
-
These off-marketplace plans are for people who aren't eligible for a health insurance subsidy. You can only get care from certain doctors and hospitals. But you'll have a low monthly premium, and you'll pay nothing for preventive care.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, so you'll pay a moderate amount before the plan starts covering cost.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. This plan costs more each month than bronze plans, but it has a much lower deductible.
-
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.
-
This plan costs more each month than bronze plans, but has a much lower deductible. Your plan will start paying more of your medical bills sooner.
-
This plan costs more each month than bronze plans, but has a much lower deductible. Your plan will start paying more of your medical costs sooner.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to meeting your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, meaning you'll pay a moderate amount before the plan starts covering the cost.
Gold plans
-
This plan limits out-of-pocket expenses for residents of all Michigan counties.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
-
Do you use your health insurance benefits a lot? This health plan offers low deductibles in every county in Michigan.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
Catastrophic plans
-
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.
-
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.
-
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.
Silver plans
-
Do you live in Macomb, Oakland or Wayne county? This plan offers affordable in-network coverage for the services you'll use most.
-
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.
-
This plan is an economical option for residents in Oakland, Macomb and Wayne counties who don't qualify for a subsidy.
-
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.
-
This plan is an economical option for residents in Oakland, Macomb and Wayne counties who don't qualify for a subsidy.
-
This HMO plan shares your costs right away and offers access to a larger network of care.
-
Subsidies can make this plan very affordable for residents of Michigan's most populated counties.
-
Learn more about this affordable plan with benefits that start as soon as your coverage does.
-
This plan works for those who aren't eligible for a subsidy and live in Michigan's most populous counties.
-
Get in-network coverage right away for services like office visits and prescriptions with this affordable health care plan.
-
If you're eligible for a health insurance subsidy, this plan can be very affordable.
-
Find out more about this affordable option with lower out-of-pocket limits than many other silver plans.
-
This plan will help you stay in your budget even though you don't qualify for a health insurance subsidy.
-
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.
-
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.
-
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.
-
If you're not eligible for a health insurance subsidy, this is one of our more affordable Michigan PPO plans.
Gold plans
-
This plan limits out-of-pocket expenses for residents of all Michigan counties.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
-
Do you use your health insurance benefits a lot? This health plan offers low deductibles in every county in Michigan.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
Catastrophic plans
-
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.
-
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.
-
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.
Bronze plans
-
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.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a higher deductible, but you'll have copays on some of the benefits you use after your deductible is met.
-
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.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
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.
-
This affordable health care plan gives you a low monthly premium and pairs with your health savings account.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a higher deductible, but you'll have copays on some of the benefits you use after your deductible is met.
-
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 Michigan's most populated counties.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
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 Michigan's most populated counties.
-
This affordable bronze plan gives you access to the largest HMO network in Michigan and pairs with your health savings account.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a higher deductible, but you'll have copays on some of the benefits you use after your deductible is met.
-
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.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
-
This plan has a low monthly premium but a higher deductible. You're covered if you get sick or injured and can easily pair this plan with a health savings account.
-
See any doctor in our network without a referral — and get coverage that pairs with your health savings account — with this health plan.
-
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.
-
This plan covers primary care provider visits, urgent care, lab tests and generic prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
Silver plans
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. Some of your benefits start right when your plan does.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. They're good for people who want to pay a little more each month in order to pay less at the doctor.
-
These off-marketplace plans are for people who aren't eligible for a health insurance subsidy. You can only get care from certain doctors and hospitals. But you'll have a low monthly premium, and you'll pay nothing for preventive care.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, so you'll pay a moderate amount before the plan starts covering cost.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. Some of your benefits start right when your plan does.
-
With this plan, you choose a primary care provider who participates in the network and refers you to other doctors in the network.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. They're good for people who want to pay a little more each month in order to pay less at the doctor.
-
These off-marketplace plans are for people who aren't eligible for a health insurance subsidy. You can only get care from certain doctors and hospitals. But you'll have a low monthly premium, and you'll pay nothing for preventive care.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, so you'll pay a moderate amount before the plan starts covering cost.
-
With this plan, you choose a primary care provider who refers you to other doctors in the network. Some of your benefits start right when your plan does.
-
If you're eligible for a health insurance subsidy, this plan can be very affordable.
-
Find out more about this affordable option with lower out-of-pocket limits than many other silver plans.
-
These off-marketplace plans are for people who aren't eligible for a health insurance subsidy. You can only get care from certain doctors and hospitals. But you'll have a low monthly premium, and you'll pay nothing for preventive care.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, so you'll pay a moderate amount before the plan starts covering cost.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. This plan costs more each month than bronze plans, but it has a much lower deductible.
-
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.
-
This plan costs more each month than bronze plans, but has a much lower deductible. Your plan will start paying more of your medical bills sooner.
-
This plan costs more each month than bronze plans, but has a much lower deductible. Your plan will start paying more of your medical costs sooner.
-
This plan covers primary care provider visits and prescription drugs before your deductible is met. This means you'll have access to essential services prior to meeting your deductible.
-
This plan is HSA qualified, meaning you can use a health savings account to pay for medical expenses tax free. It has a moderate deductible, meaning you'll pay a moderate amount before the plan starts covering the cost.
Gold plans
-
This plan limits out-of-pocket expenses for residents of all Michigan counties.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
-
Do you use your health insurance benefits a lot? This health plan offers low deductibles in every county in Michigan.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
Catastrophic plans
-
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.
-
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.
-
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.
Bronze plans
-
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.
-
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.
-
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.
-
This plan is for Oakland, Wayne and Macomb county residents and pairs with your health savings accounts.
-
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.
-
This affordable health care plan gives you a low monthly premium and pairs with your health savings account.
-
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 Michigan's most populated counties.
-
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 Michigan's most populated counties.
-
This affordable bronze plan gives you access to the largest HMO network in Michigan and pairs with your health savings account.
-
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.
-
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
-
See any doctor in our network without a referral — and get coverage that pairs with your health savings account — with this health plan.
-
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.
-
Want low monthly payments? This affordable bronze health plan covers you no matter what doctor you see in our network.
Silver plans
-
Do you live in Macomb, Oakland or Wayne county? This plan offers affordable in-network coverage for the services you'll use most.
-
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.
-
This plan is an economical option for residents in Oakland, Macomb and Wayne counties who don't qualify for a subsidy.
-
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.
-
This plan is an economical option for residents in Oakland, Macomb and Wayne counties who don't qualify for a subsidy.
-
This HMO plan shares your costs right away and offers access to a larger network of care.
-
Subsidies can make this plan very affordable for residents of Michigan's most populated counties.
-
Learn more about this affordable plan with benefits that start as soon as your coverage does.
-
This plan works for those who aren't eligible for a subsidy and live in Michigan's most populous counties.
-
Get in-network coverage right away for services like office visits and prescriptions with this affordable health care plan.
-
If you're eligible for a health insurance subsidy, this plan can be very affordable.
-
Find out more about this affordable option with lower out-of-pocket limits than many other silver plans.
-
This plan will help you stay in your budget even though you don't qualify for a health insurance subsidy.
-
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.
-
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.
-
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.
-
If you're not eligible for a health insurance subsidy, this is one of our more affordable Michigan PPO plans.
Gold plans
-
This plan limits out-of-pocket expenses for residents of all Michigan counties.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
-
Do you use your health insurance benefits a lot? This health plan offers low deductibles in every county in Michigan.
-
This health plan offers a low deductible with most benefits covered before deductible in every county in Michigan.
Catastrophic plans
-
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.
-
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.
-
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.
This tool provides estimated quotes for 2026 Blue Cross Blue Shield of Michigan and Blue Care Network plans and is not an application for coverage. Plan availability and the premium rates shown below are subject to change based on final approval from the Center for Medicare and Medicaid Services (CMS).
Health plan advisors
Call us at 1-855-237-3501 for help choosing the right plan
Have questions? Our Health Plan Advisors are ready to help. TTY users call 711.