Michigan health plan · 2026

Unum MI EHB Plan 2 · 10516MI0030001

Unum Insurance Company offers this marketplace plan (Plan ID 10516MI0030001). Use the modules below to compare premiums, coverage structure, provider access, and formulary context against alternative options in the same market.

Metal level: High Plan type: PPO CSR: Standard High Off Exchange Plan Issuer: Unum Insurance Company
Telehealth Data pending HSA eligible Check with issuer Dental Adult/Child Vision Not listed

2026 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 10 Mar 2026 06:40 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$15 – $48

Before subsidies

Estimate after subsidies

Deductible

N/A

N/A

See deductible details

Max out-of-pocket

N/A

N/A

Review MOOP rules

Office visits

Primary care See benefits
Specialist See benefits

Drug tiers

Generic See drug coverage
Preferred brand See drug coverage

View formulary tiers

$48 / mo before subsidies

≈ $570 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$110 / mo before subsidies

≈ $1317 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$124 / mo before subsidies

≈ $1494 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$95 / mo before subsidies

≈ $1141 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits
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Enrollment guidance

Stay on top of 2026 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2026 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Michigan). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard High Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 10516MI0030001
Coverage year 2026
State Michigan
Issuer Unum Insurance Company
Variant ID 10516MI0030001-00
Available variants

Standard Off Exchange Plan · 10516MI0030001-00
Last plan update Wed, 15 Oct 2025 00:00 GMT
Last HealthPorta import Tue, 10 Mar 2026 06:40 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 10 Mar 2026 06:40 GMT).

All providers in Michigan N/A
PCPs in Michigan N/A
Telehealth support Data pending
Nationwide providers N/A
N/A doctors statewide N/A PCPs N/A OB/GYN

Provider network(s)

['MIN001']

Providers Michigan All US states
All N/A N/A
PCP N/A N/A
Allergy N/A N/A
OB/GYN N/A N/A
Dentists N/A N/A

Drug coverage overview

0 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Prior authorization Drugs
Required 0
Not Required 0
Step therapy Drugs
Required 0
Not Required 0
Quantity limits Drugs
Has Limit 0
No Limit 0

Customer highlights

What stands out for members

  • Issuer: Unum Insurance Company · Plan ID 10516MI0030001 · 2026 filing.
  • Variant 10516MI0030001-00 (Standard Off Exchange Plan) currently displayed.
  • Use the cards on this page to explore network stats, drug coverage, and cost-sharing details.
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Benefits

Covered services & limitations

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

10.00% Coinsurance after deductible
Tier 1 in-network 10.00% Coinsurance after deductible
Out-of-network 10.00% Coinsurance after deductible

MIChild, Pages 8-9

Major Dental Care - Child

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

MIChild, Pages 8-9

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

0.00%
Tier 1 in-network 0.00%
Out-of-network 0.00%

Limit: 1500.0 Dollars per Benefit Period

Basic Dental Care - Adult

10.00% Coinsurance after deductible
Tier 1 in-network 10.00% Coinsurance after deductible
Out-of-network 10.00% Coinsurance after deductible

Limit: 1500.0 Dollars per Benefit Period

Dental Check-Up for Children

0.00%
Tier 1 in-network 0.00%
Out-of-network 0.00%

Limit: 2.0 Visit(s) per Year

MIChild, Pages 8-9

Major Dental Care - Adult

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

Limit: 1500.0 Dollars per Benefit Period

Orthodontia - Adult

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Orthodontia - Child

50.00%
Tier 1 in-network 50.00%
Out-of-network 50.00%

Limit: 1000.0 Dollars per Lifetime

Routine Dental Services (Adult)

0.00%
Tier 1 in-network 0.00%
Out-of-network 0.00%

Limit: 1500.0 Dollars per Benefit Period

Variant attributes

Unum MI EHB Plan 2 · Variant 10516MI0030001-00

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2026

CSR Variation Type

Standard High Off Exchange Plan

HIOS Product ID

10516MI003

Metal Level

High

Plan ID (Standard Component ID with Variant)

10516MI0030001-00

Plan Marketing Name

Unum MI EHB Plan 2

Plan Variant Marketing Name

Unum MI EHB Plan 2

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

10516

Issuer Marketplace Marketing Name

Unum Insurance Company

Market Coverage

SHOP (Small Group)

Multiple In Network Tiers

No

National Network

Yes

Network ID

MIN001

Out of Country Coverage

Yes

Out of Country Coverage Description

Any Claim submitted for procedures performed outside the U.S.A. must: 1. be for a Covered Procedure, as defined; 2. be supplied in English; 3. use American Dental Association codes; and 4. be in U.S. Dollar currency. Reimbursement will be based on the Maximum Allowable Charge, Participating Provider Maximum Allowable Charge, or applicable Scheduled Fee amounts for the Insured's zip code.

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

Any Claim submitted for procedures performed outside the service area must: 1. be for a Covered Procedure, as defined; 2. be supplied in English; 3. use American Dental Association codes; and 4. be in U.S. Dollar currency. Reimbursement will be based on the Maximum Allowable Charge, Participating Provider Maximum Allowable Charge, or applicable Scheduled Fee amounts for the Insured's zip code.

Service Area ID

MIS001

State Code

MI

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out

Not Applicable

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Group

$900 per group

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Person

$450 per person

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Individual

$450

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Individual

Not Applicable

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

Yes

First Tier Utilization

100%

Import Date

10/15/2025

Guaranteed Rate

Guaranteed Rate

New/Existing Plan

New

Medical EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Medical EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Medical EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Medical EHB Deductible, In Network (Tier 1), Family Per Group

$150 per group

Medical EHB Deductible, In Network (Tier 1), Family Per Person

$50 per person

Medical EHB Deductible, In Network (Tier 1), Individual

$50

Medical EHB Deductible, Out of Network, Family Per Group

$150 per group

Medical EHB Deductible, Out of Network, Family Per Person

$50 per person

Medical EHB Deductible, Out of Network, Individual

$50

Plan Effective Date

1/1/2026

Plan Expiration Date

12/31/2026

Plan Type

PPO

QHP/Non QHP

Off the Exchange

Source Name

SERFF

Plan ID

10516MI0030001

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Michigan?

Unum MI EHB Plan 2 (10516MI0030001) is a High PPO from Unum Insurance Company in Michigan for the 2026 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Unum MI EHB Plan 2 support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Unum MI EHB Plan 2 HSA-eligible and does it include dental or vision coverage?

HSA eligibility is not published; check the Summary of Benefits or ask the issuer.

Dental add-ons: Adult, Child.

Vision coverage is not listed for this plan.

Does Unum MI EHB Plan 2 support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Is there out-of-country coverage for Unum MI EHB Plan 2?

Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: Any Claim submitted for procedures performed outside the U.S.A. must: 1. be for a Covered Procedure, as defined; 2. be supplied in English; 3. use American Dental Association codes; and 4. be in U.S. Dollar currency. Reimbursement will be based on the Maximum Allowable Charge, Participating Provider Maximum Allowable Charge, or applicable Scheduled Fee amounts for the Insured's zip code.

Does Unum MI EHB Plan 2 cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Any Claim submitted for procedures performed outside the service area must: 1. be for a Covered Procedure, as defined; 2. be supplied in English; 3. use American Dental Association codes; and 4. be in U.S. Dollar currency. Reimbursement will be based on the Maximum Allowable Charge, Participating Provider Maximum Allowable Charge, or applicable Scheduled Fee amounts for the Insured's zip code.

How do I enroll in or manage payments for Unum MI EHB Plan 2?

Use HealthPorta to shortlist plans, then finish enrollment through Healthcare.gov or your state-based marketplace.

Disclaimer: Based on the Tue, 10 Mar 2026 06:40 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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