For 2027, people with Medicare in Michigan can choose from 131 Medicare Advantage plans open to everyone, plus 50 Special Needs Plans, from 16 insurance organizations. A licensed Discover Claims agent can narrow them down to the plans that cover your doctors and prescriptions — at no cost to you.
Figures for every Medicare Advantage plan CMS has approved in Michigan for 2027.
*You must continue to pay your Medicare Part B premium. Source: CMS CY2027 Medicare Advantage Landscape file. Plan details are subject to change as CMS finalizes contracts; plans open to everyone excludes Special Needs Plans.
Every Medicare Advantage plan mails an Annual Notice of Change by September 30 explaining what will be different next year — premiums, copays, drug coverage and networks. If your plan is changing, the Annual Enrollment Period (October 15 – December 7) is the time to compare.
Medicare Advantage plans are approved county by county. In Michigan, the typical county has 42 plans open to everyone.
| County | Plans |
|---|---|
| Washtenaw | 65 |
| Genesee | 64 |
| Oakland | 64 |
| Wayne | 64 |
| Kent | 63 |
| County | Plans |
|---|---|
| Baraga | 9 |
| Ontonagon | 10 |
| Mackinac | 10 |
| Iron | 10 |
| Gogebic | 10 |
Michigan has a strong in-state presence in Medicare Advantage. Health systems based here run some of the largest plans — Priority Health (Corewell Health) offers 40 plans and Health Alliance Plan (Henry Ford Health) offers 13 — and national insurers including Humana, UnitedHealthcare, Aetna and Devoted Health compete alongside them.
Choice is deepest in Southeast and West Michigan: Washtenaw, Genesee, Oakland, Wayne and Kent counties each have 63 or more plans open to everyone. In the Upper Peninsula, Baraga, Ontonagon and Mackinac counties have only 9 to 10 each. If you live in the U.P., or split the year between regions, confirming that your doctors and hospital are in a plan's network matters even more.
The plan type decides how much flexibility you have to see doctors outside the plan's network.
| Plan type | 2027 plans |
|---|---|
| PPOPreferred Provider Organization. You can see out-of-network doctors for covered services, usually at a higher cost, and generally don't need referrals. | 68 |
| HMO-POSAn HMO with a Point-of-Service option: you can get some services out of network, usually at a higher cost. | 45 |
| HMOHealth Maintenance Organization. You generally use doctors and hospitals in the plan's network, and may need a referral to see a specialist. Emergency and urgent care are covered anywhere. | 15 |
| Regional PPOA PPO that covers an entire CMS region (Michigan) rather than selected counties. | 2 |
| PFFSPrivate Fee-for-Service. The plan sets what it pays doctors and hospitals, and each provider decides whether to accept the plan's terms. | 1 |
Counts are plans open to everyone with Medicare Parts A & B; Special Needs Plans are listed below.
16 insurance organizations offer 2027 Medicare Advantage plans in Michigan, under these names. The number shows how many plans each offers, including Special Needs Plans.
Listed for information, from CMS data. Discover Claims does not represent every organization listed.
Special Needs Plans (SNPs) are Medicare Advantage plans built around a specific group of people, with benefits and care coordination tailored to them. You have to qualify to join.
| Type | 2027 plans |
|---|---|
| D-SNPDual-Eligible SNP — for people who have both Medicare and Medicaid. | 30 |
| C-SNPChronic or Disabling Condition SNP — for people with specific chronic conditions, such as diabetes or chronic heart failure. | 17 |
| I-SNPInstitutional SNP — for people who live in a nursing home, or who need that level of care at home. | 3 |
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131 Medicare Advantage plans are open to anyone in Michigan with Medicare Parts A and B, plus 50 Special Needs Plans for people who qualify — 181 in all, from 16 insurance organizations. How many you can choose from depends on your county: from 9 in Baraga County to 65 in Washtenaw County.
Yes. For 2027, 54 of the 122 Medicare Advantage plans with prescription drug coverage that are open to everyone in Michigan have a $0 monthly plan premium. You must continue to pay your Medicare Part B premium, and a $0-premium plan can have higher copays or a higher out-of-pocket limit than a plan with a premium.
During the Annual Enrollment Period, October 15 to December 7, with coverage starting January 1. If you're already in a Medicare Advantage plan, you can make one change from January 1 to March 31. If you're new to Medicare, you can join during the seven months around your 65th birthday month. Some life events, like moving, open a Special Enrollment Period.
Michigan State Health Insurance Assistance Program (SHIP) offers free one-on-one Medicare counseling. Find your local office at shiphelp.org. You can also visit Medicare.gov.
No. Our help is free to you. Licensed agents are paid by the insurance companies, and a plan costs you the same whether you enroll through us or directly.
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