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2027 plans · CMS data · Ranked by math
$0 Premium Medicare Advantage Plans in Michigan
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Michigan for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
54$0-premium plans, of 122 with drug coverage
$4,400lowest in-network out-of-pocket max among them
13also pay part of your Part B premium
Showing all 54 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 | 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★ |
| 11 | 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★ |
| 12 | 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 |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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 |
| 19 | 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 |
| 20 | 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★ |
| 21 | 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★ |
| 22 | McLaren Medicare Inspire (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $615Dental up to $1,500/yr | $0 | $6,600 | $6,600 | 3★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO7 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 32 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO13 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 33 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 34 | 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★ |
| 35 | 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★ |
| 36 | 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★ |
| 37 | 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 |
| 38 | 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 |
| 39 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO7 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 40 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO13 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 41 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 42 | 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 |
| 43 | 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 |
| 44 | 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★ |
| 45 | 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★ |
| 46 | 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★ |
| 47 | 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★ |
| 48 | 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★ |
| 49 | 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★ |
| 50 | 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★ |
| 51 | 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★ |
| 52 | 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★ |
| 53 | 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★ |
| 54 | 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. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Michigan Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Michigan for 2027?
54 of the 122 general-audience Medicare Advantage plans with drug coverage in Michigan have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Michigan's $0 plans, the lowest in-network maximum is $4,400 and the median is $6,950.
Which $0 premium plan in Michigan has the lowest worst-case cost?
Humana Gold Plus H8908-004 (HMO-POS) from Humana, with an in-network out-of-pocket maximum of $4,400. It is sold in 11 of 83 counties.
Do any $0 premium plans in Michigan also have a Part B giveback?
Yes, 13 of them. See the Michigan Part B giveback plans.
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
Keep going
- All Michigan Medicare Advantage plans, ranked →
- Part B giveback plans in Michigan →
- Where $0 plans are disappearing in 2027 →
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