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2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Michigan for 2027
Every general-audience Medicare Advantage plan with drug coverage in Michigan, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
122plans with drug coverage
54with a $0 plan premium
$4,400lowest worst-case year
93rated 4+ stars by CMS
Michigan plans, ranked
Showing all 122 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H8908-004 (HMO-POS)Humana · HMO-POS11 of 83 counties · drug deductible $700Dental up to $2,500/yr · eyewear $400/yr | $0 | $4,400 | $4,400 | 3.5★ |
| 2 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO13 of 83 counties · drug deductible $500Dental up to $2,000/yr · eyewear $175/yr · hearing aids $1,000/yr per ear · OTC items $240/yr | $0 | $4,900 | $4,900 | 4★ |
| 3 | Henry Ford Select (HMO)Health Alliance Plan by Henry Ford Health · HMO7 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $120/yr | $0 | $4,950 | $4,950 | 4★ |
| 4 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO19 of 83 counties · drug deductible $400Dental up to $500/yr · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $5,200 | $5,200 | 4★ |
| 5 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO16 of 83 counties · drug deductible $500Dental up to $1,250/yr · eyewear $175/yr · hearing aids $1,000/yr per ear · OTC items $100/yr | $0 | $5,200 | $5,200 | 4★ |
| 6 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO13 of 83 counties · drug deductible $400Dental up to $2,500/yr · eyewear $175/yr · hearing aids $1,500/yr per ear · OTC items $300/yr | $0 | $5,200 | $5,200 | 4★ |
| 7 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO16 of 83 counties · drug deductible $400Dental up to $1,000/yr · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $5,200 | $5,200 | 4★ |
| 8 | Humana Full Access (PPO)Humana · PPO61 of 83 counties · drug deductible $600Dental up to $1,500/yr · eyewear $100/yr | $0 | $5,200 | $5,200 | 4★ |
| 9 | Humana Full Access (PPO)Humana · PPO53 of 83 counties · drug deductible $600Dental up to $1,500/yr · eyewear $100/yr | $0 | $5,200 | $5,200 | 4.5★ |
| 10 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO16 of 83 counties · drug deductible $500Dental up to $1,500/yr · eyewear $275/yr · hearing aids $1,500/yr per ear | $30 | $4,900 | $5,260 | 4★ |
| 11 | Humana Full Access (PPO)Humana · PPO74 of 83 counties · drug deductible $450Dental up to $3,000/yr · eyewear $300/yr | $41 | $4,800 | $5,292 | 4★ |
| 12 | BCN Advantage ConnectedCare (HMO)Blue Care Network · HMO11 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $100/yr · OTC items $100/yr | $50 | $4,800 | $5,400 | 4.5★ |
| 13 | HAP Medicare Connect (HMO)Health Alliance Plan by Henry Ford Health · HMO61 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr | $0 | $5,600 | $5,600 | 4★ |
| 14 | HAP Member Assist (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $500Dental up to $1,500/yr · eyewear $150/yr · OTC items $260/yr | $6.30 | $5,600 | $5,676 | 3.5★ |
| 15 | Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO9 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $120 | $4,300 | $5,740 | 4.5★ |
| 16 | HAP Medicare Superior (HMO)Health Alliance Plan by Henry Ford Health · HMO61 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr | $0 | $5,800 | $5,800 | 4★ |
| 17 | Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO12 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $131 | $4,300 | $5,872 | 4.5★ |
| 18 | Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $132 | $4,300 | $5,884 | 4.5★ |
| 19 | HAP Senior Plus Henry Ford Tiered Access (HMO)Health Alliance Plan by Henry Ford Health · HMO7 of 83 counties · drug deductible $0Dental up to $1,500/yr · eyewear $150/yr · OTC items $80/yr | $95 | $4,750 | $5,890 | 4★ |
| 20 | Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO9 of 83 counties · drug deductible $250Dental up to $1,500/yr · eyewear $150/yr · OTC items $160/yr | $74.30 | $5,000 | $5,892 | 4.5★ |
| 21 | AARP Medicare Advantage from UHC MI-4 (HMO-POS)UnitedHealthcare · HMO-POS48 of 83 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | Too new to rate |
| 22 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO13 of 83 counties · drug deductible $400Dental up to $2,750/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $400/yr | $0 | $5,900 | $5,900 | 4★ |
| 23 | McLaren Medicare Inspire Giveback (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $615Part B giveback $70/mo · Dental up to $1,500/yr | $0−$70 Part B giveback | $6,750 | $5,910 | 3★ |
| 24 | HAP Senior Plus (HMO-POS)Health Alliance Plan by Henry Ford Health · HMO-POS61 of 83 counties · drug deductible $0Dental up to $1,500/yr · eyewear $150/yr · OTC items $300/yr | $105 | $4,650 | $5,910 | 4★ |
| 25 | HAP Medicare Explore (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $400Dental up to $1,500/yr · eyewear $150/yr | $0 | $6,050 | $6,050 | 3.5★ |
| 26 | BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS10 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $100/yr · OTC items $120/yr | $107 | $4,800 | $6,084 | 4.5★ |
| 27 | Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $250Dental up to $1,500/yr · eyewear $150/yr · OTC items $160/yr | $91 | $5,000 | $6,092 | 4.5★ |
| 28 | McLaren Medicare Inspire Plus (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $500Dental up to $1,500/yr | $20 | $5,900 | $6,140 | 3★ |
| 29 | Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $158 | $4,300 | $6,196 | 4.5★ |
| 30 | Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $250Dental up to $1,500/yr · eyewear $150/yr · OTC items $160/yr | $100 | $5,000 | $6,200 | 4.5★ |
| 31 | PriorityMedicare Merit (PPO)Priority Health Medicare · PPO5 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $100 | $5,000 | $6,200 | 4★ |
| 32 | BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS20 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $100/yr · OTC items $120/yr | $117 | $4,800 | $6,204 | 4.5★ |
| 33 | Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO12 of 83 counties · drug deductible $250Dental up to $1,500/yr · eyewear $150/yr · OTC items $160/yr | $101.80 | $5,000 | $6,222 | 4.5★ |
| 34 | PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS15 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $97 | $5,100 | $6,264 | 4.5★ |
| 35 | PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS5 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $98 | $5,100 | $6,276 | 4.5★ |
| 36 | Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $168 | $4,300 | $6,316 | 4.5★ |
| 37 | BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS12 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $100/yr · OTC items $120/yr | $127 | $4,800 | $6,324 | 4.5★ |
| 38 | Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $250Dental up to $1,500/yr · eyewear $150/yr · OTC items $160/yr | $111 | $5,000 | $6,332 | 4.5★ |
| 39 | PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS18 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $103 | $5,100 | $6,336 | 4.5★ |
| 40 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS19 of 83 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,350 | $6,350 | 3.5★ |
| 41 | Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO9 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $199.60 | $4,000 | $6,395 | 4.5★ |
| 42 | HAP Medicare Prime (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $400Dental up to $1,500/yr · eyewear $150/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 43 | BCN Advantage Prime Value (HMO-POS)Blue Care Network · HMO-POS4 of 83 counties · drug deductible $600Part B giveback $6/mo · Dental up to $950/yr | $39.30−$6 Part B giveback | $6,000 | $6,400 | 4.5★ |
| 44 | PriorityMedicare Merit (PPO)Priority Health Medicare · PPO18 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $119 | $5,000 | $6,428 | 4★ |
| 45 | HAP Senior Plus (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $0Dental up to $1,500/yr · eyewear $150/yr · OTC items $180/yr | $165 | $4,450 | $6,430 | 3.5★ |
| 46 | DEVOTED CHOICE 001 MI (PPO)Devoted Health · PPO2 of 83 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $360/yr | $0 | $6,450 | $6,450 | Too new to rate |
| 47 | DEVOTED CHOICE 005 MI (PPO)Devoted Health · PPO3 of 83 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $332/yr | $0 | $6,450 | $6,450 | Too new to rate |
| 48 | Zing Open Choice MI (PPO)Zing Health · PPO9 of 83 counties · drug deductible $450Dental up to $1,500/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $360/yr | $0 | $6,450 | $6,450 | 3.5★ |
| 49 | BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS24 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $100/yr · OTC items $120/yr | $138 | $4,800 | $6,456 | 4.5★ |
| 50 | BCN Advantage Prime Value (HMO-POS)Blue Care Network · HMO-POS10 of 83 counties · drug deductible $600Dental up to $950/yr | $41 | $6,000 | $6,492 | 4.5★ |
| 51 | Trinity Health Plan of Michigan No Premium (HMO)Trinity Health Plan of Michigan · HMO25 of 83 counties · drug deductible $350Dental up to $1,000/yr · eyewear $150/yr · OTC items $100/yr | $0 | $6,500 | $6,500 | 3★ |
| 52 | PriorityMedicare Value (HMO-POS)Priority Health Medicare · HMO-POS5 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $47 | $6,000 | $6,564 | 4.5★ |
| 53 | BCN Advantage Prime Value (HMO-POS)Blue Care Network · HMO-POS7 of 83 counties · drug deductible $600Dental up to $950/yr | $48 | $6,000 | $6,576 | 4.5★ |
| 54 | BCN Advantage Prime Value (HMO-POS)Blue Care Network · HMO-POS4 of 83 counties · drug deductible $600Dental up to $950/yr | $48 | $6,000 | $6,576 | 4.5★ |
| 55 | McLaren Medicare Inspire (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $615Dental up to $1,500/yr | $0 | $6,600 | $6,600 | 3★ |
| 56 | Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $217.50 | $4,000 | $6,610 | 4.5★ |
| 57 | PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS16 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $131 | $5,100 | $6,672 | 4.5★ |
| 58 | PriorityMedicare Merit (PPO)Priority Health Medicare · PPO15 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $141 | $5,000 | $6,692 | 4★ |
| 59 | BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS4 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $100/yr · OTC items $120/yr | $158 | $4,800 | $6,696 | 4.5★ |
| 60 | Trinity Health Plan of Michigan Plus (HMO)Trinity Health Plan of Michigan · HMO25 of 83 counties · drug deductible $250Dental up to $1,000/yr · eyewear $150/yr · OTC items $200/yr | $69 | $5,900 | $6,728 | 3★ |
| 61 | BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS10 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $194 | $4,400 | $6,728 | 4.5★ |
| 62 | AARP Medicare Advantage from UHC MI-0002 (PPO)UnitedHealthcare · PPO51 of 83 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $70 | $5,900 | $6,740 | 3★ |
| 63 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS15 of 83 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 64 | Medicare Plus Blue Value (PPO)Blue Cross Blue Shield of Michigan · PPO56 of 83 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · OTC items $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 65 | Zing Elite Select MI (HMO)Zing Health · HMO3 of 83 counties · drug deductible $350Dental up to $2,000/yr · eyewear $300/yr · hearing aids $250/yr per ear · OTC items $500/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 66 | Zing Select Care MI (HMO)Zing Health · HMO9 of 83 counties · drug deductible $500Dental up to $2,000/yr · eyewear $250/yr · hearing aids $250/yr per ear · OTC items $320/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 67 | PriorityMedicare Merit (PPO)Priority Health Medicare · PPO14 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $156 | $5,000 | $6,872 | 4★ |
| 68 | PriorityMedicare Align (HMO-POS)Priority Health Medicare · HMO-POS7 of 83 counties · drug deductible $700Dental · eyewear $100/yr | $6.30 | $6,800 | $6,876 | 4.5★ |
| 69 | PriorityMedicare Align (HMO-POS)Priority Health Medicare · HMO-POS13 of 83 counties · drug deductible $700Dental · eyewear $100/yr | $6.30 | $6,800 | $6,876 | 4.5★ |
| 70 | PriorityMedicare Align (HMO-POS)Priority Health Medicare · HMO-POS12 of 83 counties · drug deductible $700Dental · eyewear $100/yr | $6.30 | $6,800 | $6,876 | 4.5★ |
| 71 | PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS14 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $148 | $5,100 | $6,876 | 4.5★ |
| 72 | PriorityMedicare Value (HMO-POS)Priority Health Medicare · HMO-POS15 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $74 | $6,000 | $6,888 | 4.5★ |
| 73 | PriorityMedicare Value (HMO-POS)Priority Health Medicare · HMO-POS18 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $75 | $6,000 | $6,900 | 4.5★ |
| 74 | PriorityMedicare Key (HMO-POS)Priority Health Medicare · HMO-POS7 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 75 | PriorityMedicare Key (HMO-POS)Priority Health Medicare · HMO-POS13 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 76 | PriorityMedicare Key (HMO-POS)Priority Health Medicare · HMO-POS12 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 77 | PriorityMedicare Merit (PPO)Priority Health Medicare · PPO16 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $163 | $5,000 | $6,956 | 4★ |
| 78 | PriorityMedicare Value (HMO-POS)Priority Health Medicare · HMO-POS16 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $80 | $6,000 | $6,960 | 4.5★ |
| 79 | Medicare Plus Blue Secure (PPO)Blue Cross Blue Shield of Michigan · PPO27 of 83 counties · drug deductible $435Dental up to $1,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,000 | $7,000 | 4.5★ |
| 80 | Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO12 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $255.40 | $4,000 | $7,065 | 4.5★ |
| 81 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO7 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 82 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO13 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 83 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 84 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS48 of 83 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $7,100 | $7,100 | 3★ |
| 85 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS48 of 83 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · hearing aids $750/yr per ear | $0 | $7,100 | $7,100 | 3★ |
| 86 | Medicare Plus Blue + Meijer (PPO)Blue Cross Blue Shield of Michigan · PPO20 of 83 counties · drug deductible $400Part B giveback $12.10/mo · Dental up to $1,000/yr · eyewear $100/yr · OTC items $300/yr | $45−$12.10 Part B giveback | $6,750 | $7,145 | 4.5★ |
| 87 | AARP Medicare Advantage from UHC MI-0001 (PPO)UnitedHealthcare · PPO51 of 83 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3★ |
| 88 | DEVOTED CHOICE GIVEBACK EXTRAS 015 MI (PPO)Devoted Health · PPO2 of 83 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $684/yr | $0−$75 Part B giveback | $8,050 | $7,150 | Too new to rate |
| 89 | DEVOTED CHOICE GIVEBACK EXTRAS 017 MI (PPO)Devoted Health · PPO3 of 83 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $700/yr | $0−$75 Part B giveback | $8,050 | $7,150 | Too new to rate |
| 90 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO7 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 91 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO13 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 92 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 93 | Medicare Plus Blue + Meijer (PPO)Blue Cross Blue Shield of Michigan · PPO25 of 83 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · OTC items $300/yr | $45 | $6,750 | $7,290 | 4.5★ |
| 94 | BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS20 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $241 | $4,400 | $7,292 | 4.5★ |
| 95 | PriorityMedicare Value (HMO-POS)Priority Health Medicare · HMO-POS14 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $111 | $6,000 | $7,332 | 4.5★ |
| 96 | BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS24 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $248 | $4,400 | $7,376 | 4.5★ |
| 97 | PriorityMedicare Thrive Plus (PPO)Priority Health Medicare · PPO7 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $66 | $6,600 | $7,392 | 4★ |
| 98 | PriorityMedicare Thrive Plus (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $67 | $6,600 | $7,404 | 4★ |
| 99 | PriorityMedicare Thrive Plus (PPO)Priority Health Medicare · PPO13 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $68 | $6,600 | $7,416 | 4★ |
| 100 | BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS12 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $256 | $4,400 | $7,472 | 4.5★ |
| 101 | Medicare Plus Blue Essential (PPO)Blue Cross Blue Shield of Michigan · PPO6 of 83 counties · drug deductible $400Dental up to $950/yr | $35.80 | $7,150 | $7,580 | 4.5★ |
| 102 | Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $299.30 | $4,000 | $7,592 | 4.5★ |
| 103 | Medicare Plus Blue Essential (PPO)Blue Cross Blue Shield of Michigan · PPO10 of 83 counties · drug deductible $400Dental up to $950/yr | $38.20 | $7,150 | $7,608 | 4.5★ |
| 104 | Medicare Plus Blue Essential (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $400Dental up to $950/yr | $40 | $7,150 | $7,630 | 4.5★ |
| 105 | Medicare Plus Blue Essential (PPO)Blue Cross Blue Shield of Michigan · PPO6 of 83 counties · drug deductible $400Dental up to $950/yr | $41 | $7,150 | $7,642 | 4.5★ |
| 106 | Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $305.60 | $4,000 | $7,667 | 4.5★ |
| 107 | BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS4 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $282 | $4,400 | $7,784 | 4.5★ |
| 108 | DEVOTED CHOICE GIVEBACK 002 MI (PPO)Devoted Health · PPO2 of 83 counties · drug deductible $650Part B giveback $152/mo · Dental up to $250/yr · eyewear $200/yr | $0−$152 Part B giveback | $9,850 | $8,026 | Too new to rate |
| 109 | DEVOTED CHOICE GIVEBACK 006 MI (PPO)Devoted Health · PPO3 of 83 counties · drug deductible $650Part B giveback $152/mo · Dental up to $250/yr · eyewear $200/yr | $0−$152 Part B giveback | $9,850 | $8,026 | Too new to rate |
| 110 | Trinity Health Plan of Michigan Cash Back (HMO)Trinity Health Plan of Michigan · HMO25 of 83 counties · drug deductible $375Part B giveback $145/mo · Preventive dental up to $1,000/yr · eyewear $100/yr · OTC items $100/yr | $0−$145 Part B giveback | $9,850 | $8,110 | 3★ |
| 111 | Humana Full Access R0110-014 (Regional PPO)Humana · Regional PPOAll 83 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $89 | $7,050 | $8,118 | 3.5★ |
| 112 | PriorityMedicare Smart Savings (HMO-POS)Priority Health Medicare · HMO-POS15 of 83 counties · drug deductible $700Part B giveback $116/mo · Dental · eyewear $100/yr | $0−$116 Part B giveback | $9,850 | $8,458 | 4.5★ |
| 113 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS24 of 83 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 114 | Medicare Plus Blue Giveback (PPO)Blue Cross Blue Shield of Michigan · PPO27 of 83 counties · drug deductible $600Part B giveback $50/mo · Preventive dental | $0−$50 Part B giveback | $9,250 | $8,650 | 4.5★ |
| 115 | Humana Full Access Giveback (PPO)Humana · PPO73 of 83 counties · drug deductible $150Part B giveback $99/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$99 Part B giveback | $9,850 | $8,662 | 4.5★ |
| 116 | Humana Full Access Giveback (PPO)Humana · PPO45 of 83 counties · drug deductible $150Part B giveback $99/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$99 Part B giveback | $9,850 | $8,662 | 4★ |
| 117 | PriorityMedicare Smart Savings (HMO-POS)Priority Health Medicare · HMO-POS5 of 83 counties · drug deductible $700Part B giveback $97/mo · Dental · eyewear $100/yr | $0−$97 Part B giveback | $9,850 | $8,686 | 4.5★ |
| 118 | PriorityMedicare Smart Savings (HMO-POS)Priority Health Medicare · HMO-POS18 of 83 counties · drug deductible $700Part B giveback $95/mo · Dental · eyewear $100/yr | $0−$95 Part B giveback | $9,850 | $8,710 | 4.5★ |
| 119 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS48 of 83 counties · drug deductible $700Part B giveback $81.50/mo · Dental · eyewear $100/yr | $0−$81.50 Part B giveback | $9,850 | $8,872 | 3★ |
| 120 | Humana Value Plus H5216-382 (PPO)Humana · PPO75 of 83 counties · drug deductible $0Dental up to $500/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 121 | PriorityMedicare Latitude (HMO-POS)Priority Health Medicare · HMO-POS17 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4.5★ |
| 122 | PriorityMedicare Latitude (HMO-POS)Priority Health Medicare · HMO-POS19 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 9 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HAP Medicare MedicalAccess (HMO)Health Alliance Plan by Henry Ford Health · HMO61 of 83 countiesPart B giveback $105/mo · Dental up to $1,500/yr · eyewear $150/yr · OTC items $380/yr | $0−$105 Part B giveback | $4,500 | $3,240 | 4★ |
| 2 | BCN Advantage Elements (HMO-POS)Blue Care Network · HMO-POS70 of 83 countiesPart B giveback $20/mo · Dental up to $1,500/yr · eyewear $100/yr · OTC items $200/yr | $0−$20 Part B giveback | $4,500 | $4,260 | 4.5★ |
| 3 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO48 of 83 countiesPart B giveback $70/mo · Dental up to $3,750/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $400/yr | $0−$70 Part B giveback | $5,200 | $4,360 | 4★ |
| 4 | AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)UnitedHealthcare · HMO-POS48 of 83 countiesPart B giveback $150/mo · Dental up to $4,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0−$150 Part B giveback | $6,700 | $4,900 | Too new to rate |
| 5 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 83 countiesPart B giveback $136/mo · Dental up to $4,000/yr · eyewear $200/yr | $0−$136 Part B giveback | $6,550 | $4,918 | 4★ |
| 6 | Humana USAA Honor Giveback (PPO)Humana · PPO73 of 83 countiesPart B giveback $136/mo · Dental up to $4,000/yr · eyewear $200/yr | $0−$136 Part B giveback | $6,550 | $4,918 | 4.5★ |
| 7 | AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)UnitedHealthcare · PPO51 of 83 countiesPart B giveback $130/mo · Dental up to $4,000/yr · eyewear $150/yr · hearing aids $700/yr | $0−$130 Part B giveback | $6,700 | $5,140 | 3★ |
| 8 | Trinity Health Plan of Michigan Glory No RX (HMO)Trinity Health Plan of Michigan · HMO25 of 83 countiesPart B giveback $100/mo · Dental up to $1,000/yr · eyewear $275/yr · OTC items $300/yr | $0−$100 Part B giveback | $6,500 | $5,300 | 3★ |
| 9 | HumanaChoice R0110-013 (Regional PPO)Humana · Regional PPOAll 83 countiesPart B giveback $17/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$17 Part B giveback | $6,550 | $6,346 | 3.5★ |
County pages
Allegan County · Bay County · Berrien County · Calhoun County · Eaton County · Genesee County · Ingham County · Jackson County · Kalamazoo County · Kent County · Livingston County · Macomb County · Monroe County · Muskegon County · Oakland County · Ottawa County · Saginaw County · St. Clair County · Washtenaw County · Wayne County
Questions
How many Medicare Advantage plans are available in Michigan for 2027?
CMS lists 122 general-audience Medicare Advantage plans with drug coverage in Michigan for 2027, from 11 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Michigan?
Yes. 54 of the 122 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Michigan Medicare Advantage plan has the lowest worst-case cost?
Humana Gold Plus H8908-004 (HMO-POS) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,400, so at most about $4,400 in premiums and in-network costs for the year. It is offered in 11 of 83 counties.
Which Michigan Medicare Advantage plans have 4 or more stars?
93 of the 122 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Michigan Medicare Advantage plans have a Part B giveback?
15 of the 122 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $152 a month, from DEVOTED CHOICE GIVEBACK 002 MI (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Michigan?
The median in-network out-of-pocket maximum among these plans is $6,000. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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