ACA Direct Answers

What ACA marketplace plans are available in Luce County, Michigan in 2026?

Luce County, Michigan has 16 ACA marketplace plans from 2 insurers in 2026, with monthly premiums for a 40-year-old ranging from $489 to $1,152 and a benchmark (second-lowest-cost silver) plan at $910 per month, per the CMS PY2026 QHP Landscape file.

Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward

Three lowest-cost silver plans at age 40

  • Blue Care Network of Michigan — Blue Cross® Preferred HMO Silver Saver · $769.09/mo · deductible $5,800 · MOOP $7,650
  • Blue Care Network of Michigan — Blue Cross® Preferred HMO Silver Extra · $910.03/mo · deductible $6,000 · MOOP $8,900
  • Blue Cross Blue Shield of Michigan Mutual Insurance Company — Blue Cross® Premier PPO Silver Saver HSA · $914.31/mo · deductible $3,900 · MOOP $7,700

See the full Luce County plan table with all issuers, metal tiers, and cost-sharing →

Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).