Individual/Family Plans (On and Off Exchange) From McLaren Health Plan Community

It’s important to find the right plan for both your lifestyle and your budget. With McLaren Health Plan Community, you get preventive and wellness programs, access to thousands of doctors, specialists, clinics and hospitals across the state, and a friendly, Michigan-based Customer Service team ready to answer your questions. You may even qualify for premium assistance!

To sign up through the Marketplace (On Exchange) or to see if you qualify for financial assistance, visit enroll.mclaren.org, talk to an agent, or call Customer Service at 888-327-0671 (TTY:771).

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Need to enroll for an Individual plan directly through McLaren Health Plan (Off Exchange)? Click below to get an Individual Quote.

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Individual Plan Options

Our plans offer affordable options for every budget and lifestyle. MHP Community also provides you with access to our vast network of providers. Explore the plan options below to find a plan that’s right for you.

Individual Plan HMO Member Handbook

MHP Community Hospital Network

Service Area ON/OFF Exchange Map
Service Area by Zip Code

Individual Application 2025
Individual Change Form 2025

2025 Individual Products On and Off Exchange

2025 Gold Plans - click to expand

MHP Gold (ON and OFF Exchange)

MHP Gold Zero Cost Sharing (ON Exchange Only)

MHP Gold Limited Cost Sharing (ON Exchange Only)

MHP Gold Standard (ON and OFF Exchange)

MHP Gold Standard Zero Cost Sharing (ON Exchange Only)

MHP Gold Standard Limited Cost Sharing (ON Exchange Only)

2025 Silver Plans - click to expand

MHP Silver Exchange Rewards (ON and OFF Exchange)

MHP Silver Exchange Rewards Zero Cost Sharing (ON Exchange Only)

MHP Silver Exchange Rewards Limited Cost Sharing (ON Exchange Only)

MHP Silver Exchange Rewards 73% (ON Exchange Only)

MHP Silver Exchange Rewards 87% (ON Exchange Only)

MHP Silver Exchange Rewards 94% (ON Exchange Only)

MHP Silver Exchange (ON and OFF Exchange)

MHP Silver Exchange Zero Cost Sharing (ON Exchange Only)

MHP Silver Exchange Limited Cost Sharing (ON Exchange Only)

MHP Silver Exchange 73% (ON Exchange Only)

MHP Silver Exchange 87% (ON Exchange Only)

MHP Silver Exchange 94% (ON Exchange Only)

MHP Silver Standard (ON and OFF Exchange)

MHP Silver Standard Zero Cost Sharing (ON Exchange Only)

MHP Silver Standard Limited Cost Sharing (ON Exchange Only)

MHP Silver Standard 73% (ON Exchange Only)

MHP Silver Standard 87% (ON Exchange Only)

MHP Silver Standard 94% (ON Exchange Only)

2025 Bronze Plans - click to expand


MHP Bronze (ON and OFF Exchange)

MHP Bronze Zero Cost Sharing (ON Exchange Only)

MHP Bronze Limited Cost Sharing (ON Exchange Only)

MHP Expanded Bronze Standard (ON and OFF Exchange)

MHP Expanded Bronze Standard Zero Cost Sharing (ON Exchange Only)

MHP Expanded Bronze Standard Limited Cost Sharing (ON Exchange Only)

MHP Bronze Saver (HDHP) Expanded (ON and OFF Exchange)

MHP Bronze Saver (HDHP) Expanded - Zero Cost Sharing (ON Exchange Only)

MHP Bronze Saver (HDHP) Expanded - Limited Cost Sharing (ON Exchange Only)

2025 Catastrophic Plans - click to expand


MHP Young Adult/Catastrophic (ON and OFF Exchange)

Enroll in Exchange

2024 Individual Products On and Off Exchange

Rate Review Justification

2024 Gold Plans - click to expand

MHP Gold (ON and OFF Exchange)

MHP Gold Zero Cost Sharing (ON Exchange Only)

MHP Gold Limited Cost Sharing (ON Exchange Only)

MHP Gold Standard (ON and OFF Exchange)

MHP Gold Standard Zero Cost Sharing (ON Exchange Only)

MHP Gold Standard Limited Cost Sharing (ON Exchange Only)

*2024 VCP Gold Plans - click to expand


*MHP VCP Gold (ON and OFF Exchange)

*MHP VCP Gold Zero Cost Sharing (ON Exchange Only)

*MHP VCP Gold Limited Cost Sharing (ON Exchange Only)

2024 Silver Plans - click to expand

MHP Silver Exchange Rewards (ON and OFF Exchange)

MHP Silver Exchange Rewards Zero Cost Sharing (ON Exchange Only)

MHP Silver Exchange Rewards Limited Cost Sharing (ON Exchange Only)

MHP Silver Exchange Rewards 73% (ON Exchange Only)

MHP Silver Exchange Rewards 87% (ON Exchange Only)

MHP Silver Exchange Rewards 94% (ON Exchange Only)

MHP Silver Exchange (ON and OFF Exchange)

MHP Silver Exchange Zero Cost Sharing (ON Exchange Only)

MHP Silver Exchange Limited Cost Sharing (ON Exchange Only)

MHP Silver Exchange 73% (ON Exchange Only)

MHP Silver Exchange 87% (ON Exchange Only)

MHP Silver Exchange 94% (ON Exchange Only)

MHP Silver Standard (ON and OFF Exchange)

MHP Silver Standard Zero Cost Sharing (ON Exchange Only)

MHP Silver Standard Limited Cost Sharing (ON Exchange Only)

MHP Silver Standard 73% (ON Exchange Only)

MHP Silver Standard 87% (ON Exchange Only)

MHP Silver Standard 94% (ON Exchange Only)

*2024 VCP Silver Plans - click to expand

*MHP VCP Silver Exchange (ON and OFF Exchange)

*MHP VCP Silver Exchange Zero Cost Sharing (ON Exchange Only)

*MHP VCP Silver Exchange Limited Cost Sharing (ON Exchange Only)

*MHP VCP Silver Exchange 73% (ON Exchange Only)

*MHP VCP Silver Exchange 87% (ON Exchange Only)

*MHP VCP Silver Exchange 94% (ON Exchange Only)

2024 Bronze Plans - click to expand


MHP Bronze (ON and OFF Exchange)

MHP Bronze Zero Cost Sharing (ON Exchange Only)

MHP Bronze Limited Cost Sharing (ON Exchange Only)

MHP Expanded Bronze Standard (ON and OFF Exchange)

MHP Expanded Bronze Standard Zero Cost Sharing (ON Exchange Only)

MHP Expanded Bronze Standard Limited Cost Sharing (ON Exchange Only)

MHP Bronze Saver (HDHP) Expanded (ON and OFF Exchange)

MHP Bronze Saver (HDHP) Expanded - Zero Cost Sharing (ON Exchange Only)

MHP Bronze Saver (HDHP) Expanded - Limited Cost Sharing (ON Exchange Only)

*2024 VCP Bronze Plans - click to expand


*MHP VCP Bronze (ON and OFF Exchange)

*MHP VCP Bronze Zero Cost Sharing (ON Exchange Only)

*MHP VCP Bronze Limited Cost Sharing (ON Exchange Only)

2024 Catastrophic Plans - click to expand


MHP Young Adult/Catastrophic (ON and OFF Exchange)

* VCP plans are available in counties that contain McLaren CareNow Clinics (located inside Walgreens). Counties include Emmet, Genesee, Ingham, Isabella, Huron, Midland and Oakland.

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