Medicare Advantage plans in Michigan for 2027
One of the few states where PPOs outnumber HMOs, Michigan has a dense list around Detroit and Ann Arbor and a thin one across the Upper Peninsula.
Wayne, Michigan: plans open to everyone on Parts A and B
64 plans
32 with a $0 premium and drug coverage · out-of-pocket limits $4,000 to $9,850 · best rating 4.5★ · 14 plan IDs of 2026 not renewed here
64 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Humana Gold Plus H8908-004 (HMO-POS)Humana · HMO-POS · H8908-004-0 | $0 | $700 | $4,400 | 3.5★ |
| BCN Advantage Elements (HMO-POS)Blue Care Network · HMO-POS · H5883-017-0 | $0 | no drugs | $4,500 | 4.0★ |
| HAP Medicare MedicalAccess (HMO)Health Alliance Plan by Henry Ford Health · HMO · H2354-019-0 | $0 | no drugs | $4,500 | 3.5★ |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO · H5521-404-0 | $0 | $500 | $4,900 | 4.0★ |
| Henry Ford Select (HMO)Health Alliance Plan by Henry Ford Health · HMO · H2354-029-0 | $0 | $200 | $4,950 | 4.0★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H5521-286-0 | $0 | no drugs | $5,200 | 4.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-214-0 | $0 | $400 | $5,200 | 4.0★ |
| Humana Full Access (PPO)Humana · PPO · H5216-384-0 | $0 | $600 | $5,200 | 4.0★ |
| Humana Full Access (PPO)Humana · PPO · H7617-052-0 | $0 | $600 | $5,200 | 4.5★ |
| HAP Medicare Connect (HMO)Health Alliance Plan by Henry Ford Health · HMO · H2354-015-0 | $0 | $200 | $5,600 | 4.0★ |
| HAP Medicare Superior (HMO)Health Alliance Plan by Henry Ford Health · HMO · H2354-028-0 | $0 | $200 | $5,800 | 4.0★ |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS)UnitedHealthcare · HMO-POS · H2736-001-0 | $0 | $685 | $5,900 | new |
| Aetna Medicare Value Care (PPO)Aetna Medicare · PPO · H5521-399-0 · was $46 in 2026 | $0 | $400 | $5,900 | 4.0★ |
| HAP Medicare Explore (PPO)Health Alliance Plan by Henry Ford Health · PPO · H2322-011-0 | $0 | $400 | $6,050 | 3.5★ |
| HAP Medicare Prime (PPO)Health Alliance Plan by Henry Ford Health · PPO · H2322-016-0 | $0 | $400 | $6,400 | 3.5★ |
| Zing Open Choice MI (PPO)Zing Health · PPO · H6876-001-0 | $0 | $450 | $6,450 | 3.5★ |
| Trinity Health Plan of Michigan Glory No RX (HMO)Trinity Health Plan of Michigan · HMO · H9179-003-0 | $0 | no drugs | $6,500 | 3.0★ |
| Trinity Health Plan of Michigan No Premium (HMO)Trinity Health Plan of Michigan · HMO · H9179-001-0 | $0 | $350 | $6,500 | 3.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-190-0 | $0 | no drugs | $6,550 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-054-0 | $0 | no drugs | $6,550 | 4.5★ |
| HumanaChoice R0110-013 (Regional PPO)Humana · Regional PPO · R0110-013-0 | $0 | no drugs | $6,550 | 3.5★ |
| McLaren Medicare Inspire (HMO)McLaren Medicare · HMO · H6322-001-0 | $0 | $615 | $6,600 | 3.0★ |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)UnitedHealthcare · PPO · H0294-022-0 | $0 | no drugs | $6,700 | 3.0★ |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H2736-004-0 | $0 | no drugs | $6,700 | new |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · H3192-003-0 | $0 | $500 | $6,750 | 3.5★ |
| McLaren Medicare Inspire Giveback (HMO)McLaren Medicare · HMO · H6322-008-0 | $0 | $615 | $6,750 | 3.0★ |
| Zing Elite Select MI (HMO)Zing Health · HMO · H4624-022-0 | $0 | $350 | $6,750 | 3.5★ |
| Zing Select Care MI (HMO)Zing Health · HMO · H4624-006-0 | $0 | $500 | $6,750 | 3.5★ |
| PriorityMedicare Key (HMO-POS)Priority Health Medicare · HMO-POS · H2320-022-5 | $0 | $300 | $6,950 | 4.5★ |
| Medicare Plus Blue Secure (PPO)Blue Cross Blue Shield of Michigan · PPO · H9572-009-0 | $0 | $435 | $7,000 | 4.5★ |
| PriorityMedicare Edge (PPO)Priority Health Medicare · PPO · H4875-020-3 | $0 | $300 | $7,100 | 4.0★ |
| Wellcare Assist (HMO-POS)Wellcare · HMO-POS · H5475-038-0 · was $8.80 in 2026 | $0 | $700 | $7,100 | 3.0★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H5475-026-0 | $0 | $700 | $7,100 | 3.0★ |
| AARP Medicare Advantage from UHC MI-0001 (PPO)UnitedHealthcare · PPO · H0294-017-0 | $0 | $685 | $7,150 | 3.0★ |
| PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO · H4875-024-5 | $0 | $400 | $7,150 | 4.0★ |
| Medicare Plus Blue Giveback (PPO)Blue Cross Blue Shield of Michigan · PPO · H9572-008-0 | $0 | $600 | $9,250 | 4.5★ |
| Humana Full Access Giveback (PPO)Humana · PPO · H5216-306-0 | $0 | $150 | $9,850 | 4.0★ |
| Humana Full Access Giveback (PPO)Humana · PPO · H7617-058-0 | $0 | $150 | $9,850 | 4.5★ |
| PriorityMedicare Smart Savings (HMO-POS)Priority Health Medicare · HMO-POS · H2320-032-5 | $0 | $700 | $9,850 | 4.5★ |
| Trinity Health Plan of Michigan Cash Back (HMO)Trinity Health Plan of Michigan · HMO · H9179-002-0 | $0 | $375 | $9,850 | 3.0★ |
| Wellcare Giveback (HMO-POS)Wellcare · HMO-POS · H5475-031-0 | $0 | $700 | $9,850 | 3.0★ |
| HAP Member Assist (PPO)Health Alliance Plan by Henry Ford Health · PPO · H2322-017-0 · was $8.80 in 2026 | $6.30 | $500 | $5,600 | 3.5★ |
| PriorityMedicare Align (HMO-POS)Priority Health Medicare · HMO-POS · H2320-033-5 | $6.30 | $700 | $6,800 | 4.5★ |
| McLaren Medicare Inspire Plus (HMO)McLaren Medicare · HMO · H6322-002-0 · was $8.80 in 2026 | $20 | $500 | $5,900 | 3.0★ |
| Medicare Plus Blue Essential (PPO)Blue Cross Blue Shield of Michigan · PPO · H9572-004-6 · was $25 in 2026 | $40 | $400 | $7,150 | 4.5★ |
| Humana Full Access (PPO)Humana · PPO · H5216-011-0 · was $18 in 2026 | $41 | $450 | $4,800 | 4.0★ |
| Medicare Plus Blue + Meijer (PPO)Blue Cross Blue Shield of Michigan · PPO · H9572-007-1 · was $35 in 2026 | $45 | $400 | $6,750 | 4.5★ |
| BCN Advantage Prime Value (HMO-POS)Blue Care Network · HMO-POS · H5883-014-5 · was $35 in 2026 | $48 | $600 | $6,000 | 4.5★ |
| BCN Advantage ConnectedCare (HMO)Blue Care Network · HMO · H5883-007-0 · was $41 in 2026 | $50 | $100 | $4,800 | 4.5★ |
| PriorityMedicare Thrive Plus (PPO)Priority Health Medicare · PPO · H4875-018-5 · was $49 in 2026 | $67 | $225 | $6,600 | 4.0★ |
| Trinity Health Plan of Michigan Plus (HMO)Trinity Health Plan of Michigan · HMO · H9179-004-0 | $69 | $250 | $5,900 | 3.0★ |
| AARP Medicare Advantage from UHC MI-0002 (PPO)UnitedHealthcare · PPO · H0294-018-0 · was $64 in 2026 | $70 | $685 | $5,900 | 3.0★ |
| PriorityMedicare Value (HMO-POS)Priority Health Medicare · HMO-POS · H2320-029-5 · was $43 in 2026 | $74 | $225 | $6,000 | 4.5★ |
| Humana Full Access R0110-014 (Regional PPO)Humana · Regional PPO · R0110-014-0 · was $54 in 2026 | $89 | $700 | $7,050 | 3.5★ |
| HAP Senior Plus Henry Ford Tiered Access (HMO)Health Alliance Plan by Henry Ford Health · HMO · H2354-018-0 | $95 | $0 | $4,750 | 4.0★ |
| PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS · H2320-028-5 · was $66 in 2026 | $97 | $0 | $5,100 | 4.5★ |
| HAP Senior Plus (HMO-POS)Health Alliance Plan by Henry Ford Health · HMO-POS · H2354-021-0 | $105 | $0 | $4,650 | 4.0★ |
| Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO · H9572-002-6 · was $84.70 in 2026 | $111 | $250 | $5,000 | 4.5★ |
| PriorityMedicare Merit (PPO)Priority Health Medicare · PPO · H4875-016-3 · was $106 in 2026 | $141 | $0 | $5,000 | 4.0★ |
| Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO · H9572-001-6 · was $145.20 in 2026 | $158 | $200 | $4,300 | 4.5★ |
| BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS · H5883-002-7 · was $145 in 2026 | $158 | $200 | $4,800 | 4.5★ |
| HAP Senior Plus (PPO)Health Alliance Plan by Henry Ford Health · PPO · H2322-008-0 | $165 | $0 | $4,450 | 3.5★ |
| BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS · H5883-003-5 · was $267 in 2026 | $282 | $100 | $4,400 | 4.5★ |
| Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO · H9572-003-6 · was $298.60 in 2026 | $305.60 | $100 | $4,000 | 4.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Michigan has 131 Medicare Advantage plans open to anyone with Parts A and B for 2027, down from 148 in 2026. Unusually, PPOs lead with 70 plans against 60 HMOs, and Blue Cross Blue Shield of Michigan files 40 plans, followed by Corewell Health (35). 54 of the 122 drug-covering plans charge a $0 premium. Caps start at $4,000, with a median of $6,000. Southeast Michigan has the widest choice: Washtenaw, Genesee, Oakland and Wayne counties list 64 or more open plans each. The Upper Peninsula is another market, with 9 plans in Baraga County. 97 plans hold four stars or more for 2027, a high share. For people who keep Original Medicare, 11 stand-alone drug plans are sold, from $5.30 a month.
Why PPOs lead in Michigan
Michigan is one of the few states where the open list is mostly PPOs. Blue Cross Blue Shield of Michigan, through its Medicare Plus Blue PPOs, and Corewell Health, the system formed from Beaumont and Spectrum Health, file the most plans. A PPO's in-network cap is the figure in the county list; out-of-network care has a higher combined limit, and the premium is often higher too. The lowest cap in the state, $4,000, belongs to Medicare Plus Blue Assure (PPO), at $199.60 a month.
A “$0 plan” over a year
Still paid in 2027
$3,548
| Part B premium (projected) | $2,514 |
| Cost sharing, up to the cap | $1,034 |
| Worst case | $9,264 |
Health systems as insurers
Henry Ford Health, Corewell and the University of Michigan region's systems sell plans built around their hospitals. For a patient of one of them, a plan from the same system usually means fewer network surprises; for someone with doctors in two systems, a PPO or a broad HMO is safer.
Detroit, Grand Rapids and the Upper Peninsula
Wayne County lists 64 open plans, 32 of them at $0 with drugs; Kent County, around Grand Rapids, 63. Washtenaw (65), Genesee (64), Oakland (64), Wayne (64) lead the state. In the Upper Peninsula, Baraga (9), Alger (10), Gogebic (10) have the shortest lists, and the nearest in-network specialist may be in Marquette or across the border in Wisconsin, a question to ask before joining an HMO. Ask also whether the plan covers the small critical access hospitals of the peninsula.
The state counts 50 special needs plans, 30 of them for people who also have Medicaid. Compared with 2026, 17 fewer open plans were filed, and stand-alone drug plans went from 12 to 11; anyone whose plan is gone should read the guide to plans leaving before December 7. Neighbors: Ohio, Indiana, Wisconsin.
Every county of Michigan, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Alcona | 18 | 4 | $4,000 | 16 | -8 |
| Alger | 10 | 3 | $4,000 | 8 | -5 |
| Allegan | 50 | 22 | $4,000 | 32 | -2 |
| Alpena | 18 | 4 | $4,000 | 16 | -7 |
| Antrim | 38 | 15 | $4,000 | 22 | -4 |
| Arenac | 45 | 21 | $4,000 | 26 | -7 |
| Baraga | 9 | 2 | $4,000 | 7 | -3 |
| Barry | 48 | 22 | $4,000 | 35 | -5 |
| Bay | 45 | 21 | $4,000 | 26 | -7 |
| Benzie | 39 | 16 | $4,000 | 23 | +5 |
| Berrien | 42 | 17 | $4,000 | 32 | -2 |
| Branch | 56 | 27 | $4,000 | 35 | -4 |
| Calhoun | 51 | 22 | $4,000 | 33 | -2 |
| Cass | 44 | 23 | $4,000 | 27 | +1 |
| Charlevoix | 35 | 13 | $4,000 | 19 | -4 |
| Cheboygan | 28 | 10 | $4,000 | 18 | same |
| Chippewa | 11 | 3 | $4,000 | 9 | -2 |
| Clare | 31 | 12 | $4,000 | 21 | -2 |
| Clinton | 47 | 22 | $4,000 | 32 | -3 |
| Crawford | 42 | 19 | $4,000 | 23 | -4 |
| Delta | 18 | 7 | $4,000 | 16 | +2 |
| Dickinson | 17 | 7 | $4,000 | 15 | -2 |
| Eaton | 49 | 22 | $4,000 | 32 | -2 |
| Emmet | 30 | 10 | $4,000 | 19 | -3 |
| Genesee | 64 | 32 | $4,000 | 38 | -4 |
| Gladwin | 35 | 14 | $4,000 | 19 | -7 |
| Gogebic | 10 | 3 | $4,000 | 8 | -2 |
| Grand Traverse | 40 | 16 | $4,000 | 24 | -2 |
| Gratiot | 55 | 25 | $4,000 | 32 | +1 |
| Hillsdale | 59 | 29 | $4,000 | 37 | -1 |
| Houghton | 12 | 3 | $4,000 | 10 | -5 |
| Huron | 38 | 16 | $4,000 | 20 | -8 |
| Ingham | 54 | 27 | $4,000 | 32 | -6 |
| Ionia | 49 | 21 | $4,000 | 35 | -3 |
| Iosco | 38 | 15 | $4,000 | 20 | -3 |
| Iron | 10 | 3 | $4,000 | 8 | -5 |
| Isabella | 30 | 11 | $4,000 | 23 | -6 |
| Jackson | 55 | 26 | $4,000 | 36 | +3 |
| Kalamazoo | 49 | 20 | $4,000 | 34 | -2 |
| Kalkaska | 41 | 17 | $4,000 | 22 | -4 |
| Kent | 63 | 31 | $4,000 | 36 | +3 |
| Keweenaw | 11 | 3 | $4,000 | 9 | -5 |
| Lake | 45 | 19 | $4,000 | 23 | -4 |
| Lapeer | 54 | 27 | $4,000 | 28 | +1 |
| Leelanau | 37 | 15 | $4,000 | 21 | -4 |
| Lenawee | 44 | 19 | $4,000 | 36 | -8 |
| Livingston | 62 | 31 | $4,000 | 36 | -4 |
| Luce | 12 | 2 | $4,000 | 10 | -3 |
| Mackinac | 10 | 1 | $4,000 | 8 | -1 |
| Macomb | 59 | 30 | $4,000 | 37 | -7 |
| Manistee | 37 | 14 | $4,000 | 21 | same |
| Marquette | 18 | 7 | $4,000 | 16 | -2 |
| Mason | 35 | 13 | $4,000 | 24 | -4 |
| Mecosta | 44 | 20 | $4,000 | 27 | -5 |
| Menominee | 17 | 7 | $4,000 | 15 | -2 |
| Midland | 34 | 14 | $4,000 | 24 | -7 |
| Missaukee | 43 | 20 | $4,000 | 24 | -7 |
| Monroe | 52 | 24 | $4,000 | 30 | -1 |
| Montcalm | 58 | 26 | $4,000 | 36 | -3 |
| Montmorency | 36 | 14 | $4,000 | 21 | +5 |
| Muskegon | 52 | 22 | $4,000 | 33 | -1 |
| Newaygo | 50 | 23 | $4,000 | 28 | -6 |
| Oakland | 64 | 32 | $4,000 | 37 | -9 |
| Oceana | 40 | 18 | $4,000 | 21 | -2 |
| Ogemaw | 41 | 18 | $4,000 | 23 | -7 |
| Ontonagon | 10 | 3 | $4,000 | 8 | -3 |
| Osceola | 48 | 22 | $4,000 | 26 | -3 |
| Oscoda | 29 | 12 | $4,000 | 18 | -7 |
| Otsego | 40 | 17 | $4,000 | 21 | -9 |
| Ottawa | 55 | 24 | $4,000 | 33 | -1 |
| Presque Isle | 18 | 4 | $4,000 | 16 | -8 |
| Roscommon | 42 | 19 | $4,000 | 23 | -4 |
| Saginaw | 50 | 23 | $4,000 | 31 | -3 |
| Sanilac | 46 | 21 | $4,000 | 22 | -3 |
| Schoolcraft | 12 | 2 | $4,000 | 10 | -1 |
| Shiawassee | 47 | 23 | $4,000 | 33 | -1 |
| St. Clair | 51 | 25 | $4,000 | 36 | -7 |
| St. Joseph | 38 | 15 | $4,000 | 28 | same |
| Tuscola | 46 | 22 | $4,000 | 22 | -6 |
| Van Buren | 54 | 24 | $4,000 | 36 | -3 |
| Washtenaw | 65 | 34 | $4,000 | 36 | -5 |
| Wayne | 64 | 32 | $4,000 | 37 | -5 |
| Wexford | 45 | 20 | $4,000 | 26 | same |
Stand-alone Part D plans in Michigan
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-148-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-136-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-084-0 | $7.30 | $1 | $700 | $0 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-034-0 | $9.30 | $3 | $700 | new | 2.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-192-0 | $17.20 | $17.20 | $687 | $0 | 4.5 |
| Prescription Blue Select (PDP)Blue Cross Blue Shield of Michigan · S5584-001-0 | $49.80 | $43.50 | $700 | $78.40 | 4.0 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-358-0 | $58.40 | $52.10 | $700 | $14.10 | 3.0 |
| Prescription Blue Premium (PDP)Blue Cross Blue Shield of Michigan · S5584-002-0 | $80.30 | $74 | $125 | $106.70 | 4.0 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-026-0 | $100.50 | $94.20 | $700 | $78.30 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-159-0 | $104.30 | $98 | $350 | $98.10 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-394-0 | $136.70 | $130.40 | $300 | $78.30 | 3.0 |