Medicare Advantage plans in Wayne County, Michigan (2027)
Detroit's Medicare Advantage market belongs to Michigan's own health systems and Blues plans more than to the national insurers.
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 · all Michigan counties and drug plans
Wayne County's 64 Medicare Advantage plans open to anyone with Parts A and B for 2027 come mostly from Michigan organizations: Blue Cross Blue Shield of Michigan and its Blue Care Network file 12, Henry Ford Health's HAP plans 10, and Corewell Health's Priority Health 9, alongside Humana's 10. The split between plan types is exact: 32 HMOs and 32 PPOs. 32 drug-covering plans charge no premium. Caps are high by big-county standards: no open plan limits in-network costs below $4,000, the floor set by Medicare Plus Blue Assure (PPO), and the median is $6,225. Quality scores are strong: 37 plans have four stars or more for 2027, with Aetna Medicare Eagle (PPO) at 4.5. The 2026 file had 69 open plans; 14 IDs ended and 9 began. Special needs plans number 22.
Choosing by hospital system
In Detroit the plan often follows the hospital. A HAP or Henry Ford Select plan leans on Henry Ford Health; Priority Health plans on Corewell; Trinity Health Plan of Michigan on Trinity's hospitals; McLaren Medicare on McLaren's. The Blue Cross PPOs and the national insurers tend to contract more broadly. Start from where your doctors admit patients, then compare caps inside that short list.
Plan names that changed or ended
14 plan IDs from 2026 are not in the 2027 file, among them Medicare Plus Blue + Meijer, PriorityMedicare Vintage, Vital and Thrive, BCN Advantage Elements under its 2026 ID and several Humana Full Access and USAA Honor plans. A name that reappears under a new ID usually means the plan was refiled; your notice tells you if you were moved.
A high floor on caps, and the Medigap comparison
Because the lowest cap is $4,000, Wayne County residents who expect heavy care sometimes weigh Original Medicare with a Medigap policy. Plan G covers nearly all cost sharing after the Part B deductible; high-deductible Plan G starts paying once you have spent $3,050 in 2027, in exchange for a lower premium. Insurers set Medigap prices, so ask several for a quote.
Plan G or high-deductible G?
Premium saved per year with HD-G
$1,440
| Extra deductible to cover in a bad year | $2,758 |
| Bad year verdict | Plan G cheaper |
2027 deductibles; Part B deductible taken at the Trustees’ projection.
Oakland, Macomb, Washtenaw
Oakland County lists 64 open plans, Macomb 59 and Washtenaw 65, most from the same organizations. Michigan has 131 open plans in all.
2026 plans not filed again here for 2027
These plan IDs were offered in Wayne County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- Wellcare Simple Open (PPO) (Wellcare, H2117-001-0)
- Wellcare Patriot Giveback Open (PPO) (Wellcare, H2117-003-0)
- PriorityMedicare Vintage (HMO-POS) (Priority Health Medicare, H2320-031-0, insurer still present)
- Aetna Medicare Prime Care (HMO-POS) (Aetna Medicare, H3192-021-0, insurer still present)
- PriorityMedicare Vital (PPO) (Priority Health Medicare, H4875-022-5, insurer still present)
- PriorityMedicare Thrive (PPO) (Priority Health Medicare, H4875-024-1, insurer still present)
- Humana Full Access H5216-287 (PPO) (Humana, H5216-287-0, insurer still present)
- Humana USAA Honor Giveback with Rx (PPO) (Humana, H5216-305-0, insurer still present)
- Aetna Medicare Enhanced (PPO) (Aetna Medicare, H5521-607-0, insurer still present)
- BCN Advantage Elements (HMO-POS) (Blue Care Network, H5883-001-5, insurer still present)
- Humana Full Access H7617-055 (PPO) (Humana, H7617-055-0, insurer still present)
- Humana USAA Honor Giveback with Rx (PPO) (Humana, H7617-071-0, insurer still present)
- Humana Gold Plus H8908-001 (HMO-POS) (Humana, H8908-001-0, insurer still present)
- Medicare Plus Blue + Meijer (PPO) (Blue Cross Blue Shield of Michigan, H9572-007-6, insurer still present)