Best Medicare Advantage Plans in Michigan (2026)

Key Takeaways

Blue Cross Blue Shield has the best HMO Medicare Advantage plans in Michigan, with a 4.5-star CMS rating.

Priority Health Medicare has the top HMO-POS plans in Michigan at $9 monthly with 4.5 stars, while HAP Senior Plus provides the best PPO coverage at $9 per month with a 4-star rating.

When shopping for Medicare Advantage plans in Michigan, check whether your current doctors, hospitals and prescription drugs are included. Weigh monthly premiums against out-of-pocket maximums.

Best Medicare Advantage Companies in Michigan

MoneyGeek analyzed CMS star ratings, premiums, out-of-pocket maximums and main coverage features to identify the best Medicare Advantage plans in Michigan.

Blue Cross Blue Shield has the best HMO coverage in the state, with an average $41 monthly premium, a $4,400 average maximum out-of-pocket (MOOP) limit, and a 4.5-star CMS rating.

Priority Health Medicare leads the HMO-POS category with a 4.5-star rating, while HAP Senior Plus leads PPO options with a 4-star rating. Michigan residents can find zero-premium plans, strong drug coverage and flexible network options across both providers.


HMO	Blue Cross Blue Shield	4.50	$41	$4,400	BCN Advantage ConnectedCare (HMO)
HMO-POS	Priority Health Medicare	4.50	$9	$5,600	PriorityMedicare Key (HMO-POS)
PPO	HAP Senior Plus	4.00	$9	$5,200	HAP Senior Plus (PPO)

Medicare Advantage plans cover hospital stays, doctor visits and prescription drugs while adding benefits like dental and vision care. These private insurance alternatives to Original Medicare must provide the same coverage but often include extra perks.

CMS Star Ratings: Plans earn 1 to 5 stars based on quality and member satisfaction. Those rated 4 or 5 stars have stronger track records for care quality and fewer member complaints.
Monthly premiums: You'll pay your standard Part B premium plus any plan-specific premium, though many Medicare Advantage plans charge no additional monthly fees.
Maximum out-of-pocket (MOOP) limits: These annual spending caps protect you from high medical costs. Your plan pays 100% of covered services once you reach your MOOP limit.
Drug coverage: Most plans include prescription drug benefits as Part D coverage. Check the plan's formulary to verify your medications are covered and understand any usage restrictions.

Blue Cross Blue Shield

Best HMO

MoneyGeek Rating

4.5/ 5

4/5Affordability

5/5Quality

5/5Availability

CMS Star Rating
4.5
Plan Types
HMO, HMO-POS, PPO

pros
- 4.5-star CMS rating on all 12 plans
- HMO, HMO-POS and PPO options
- Three plans have $0 monthly premium
cons
- Out-of-pocket maximums up to $9,250
Blue Cross Blue Shield offers 12 Medicare Advantage plans in Michigan across HMO, HMO-POS and PPO networks, all earning 4.5-star CMS ratings. The BCN Advantage ConnectedCare HMO plan costs $41 per month with a $4,400 out-of-pocket maximum and drug coverage that waives deductibles on select tiers. Three HMO-POS plans add limited out-of-network access.

PPO options give you statewide provider access. The Medicare Plus Blue Value plan includes basic drug coverage and a $6,750 out-of-pocket maximum, while Medicare Plus Blue Secure adds enhanced prescription benefits at the same limit. The Essential plan costs $25 monthly with a $6,250 cap, and the Giveback plan has no premium but raises the maximum to $9,250.

Priority Health

Best HMO-POS

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Quality

5/5Availability

CMS Star Rating
4.5
Plan Types
HMO-POS, PPO

pros
- Five plans have $0 monthly premium
- Basic and enhanced drug coverage
cons
- Out-of-pocket maximums up to $9,250 on some plans
Priority Health offers 10 Medicare Advantage plans across Michigan, including five HMO-POS options with 4.5-star ratings and five PPO plans rated 4 stars. The HMO-POS lineup includes two premium-free plans: Key, with a $5,800 out-of-pocket maximum and enhanced drug coverage, and Smart Savings, which raises the maximum to $9,250. The Vintage plan costs $9 monthly with a $5,600 maximum and basic prescription coverage. PriorityMedicare charges $90 monthly with a $4,500 maximum, while the Value plan costs $53 per month with a $5,100 limit.

The five PPO plans give you broader network access. Three have no monthly premium: Edge with a $6,000 MOOP limit, Thrive at $6,200 and Vital at $6,300. Each includes enhanced Part D benefits that waive deductibles on certain tiers.

HAP Senior Plus

Best PPO

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Quality

5/5Availability

CMS Star Rating
4.0
Plan Types
HMO, HMO-POS, PPO

pros
- Six out of 10 plans have $0 monthly premium
- Relatively low MOOP limits
- All plan types available
cons
- Higher costs for out-of-network care
HAP Senior Plus operates exclusively in Michigan with nine Medicare Advantage plans earning consistent 4-star ratings across HMO, HMO-POS and PPO networks. The Henry Ford Select HMO plan has no monthly premium, a $3,500 out-of-pocket maximum and enhanced drug coverage. Two other zero-premium HMOs set MOOP limits at $5,000 and $5,100, while the Henry Ford Tiered Access option costs $95 monthly with a $4,750 cap.

Four PPO plans provide broader network flexibility. The Medicare Explore has no monthly premium with a $5,400 maximum and enhanced prescription benefits that waive deductibles on select tiers. The Member Assist PPO plan costs $9 monthly at $5,200 with basic drug coverage, while higher-cost plans run from $105 to $165 with lower MOOP limits.

Best HMO Medicare Advantage Plans in Michigan

Michigan’s HMO Medicare Advantage market offers strong quality and affordability, with seven of the 12 plans earning 4 stars or higher. Across five providers, nine plans carry $0 monthly premiums, keeping the median premium at $0. Annual out-of-pocket maximums average $5,204 and range from $3,500 to $7,500.

Blue Cross Blue Shield has one HMO plan at $41 per month with a $4,400 out-of-pocket maximum and a 4.5-star CMS rating.
Zing Health provides two low-cost plans with $0 premiums and a $4,325 MOOP limit, though CMS ratings are low at 2.5 stars.
HAP Senior Plus features four zero-premium plans averaging $4,962 in out-of-pocket costs with a 4-star CMS rating.


Blue Cross Blue Shield	4.50	$41	$4,400	1	4.50
Zing Health	2.50	$0	$4,325	2	4.50
HAP Senior Plus	4.00	$0	$4,962	4	4.36
Trinity Health Corporation	4.00	$0	$6,000	2	4.14
McLaren Medicare	3.00	$3	$6,317	3	3.71

WHY CHOOSE AN HMO PLAN?

HMO plans use smaller provider networks and require you to select a primary care doctor who'll coordinate your care and provide referrals for specialist visits. They work best for people who want structured health care management and prioritize affordability, since these plans offer the lowest premiums and out-of-pocket costs in Michigan.

Best HMO-POS Medicare Advantage Plans in Michigan

Eight providers offer a total of 22 HMO-POS Medicare Advantage plans in Michigan, eight of which have no monthly premiums. Out-of-pocket maximums average $5,144 and range from $2,900 to $9,250, giving you a range of cost exposure options to choose from.

Priority Health Medicare is the best HMO-POS provider in Michigan, with five plans earning a 4.5-star CMS rating, a $9 average monthly premium and a $5,600 out-of-pocket maximum.
WellCare has three HMO-POS plans at $9 per month with a $5,000 MOOP limit and a 3-star CMS rating.
Blue Cross Blue Shield is a solid alternative with three zero-premium plans averaging $4,200 in out-of-pocket costs and a 4.5-star CMS rating.


Priority Health Medicare	4.50	$9	$5,600	5	5.00
Wellcare	3.00	$9	$5,000	3	5.00
Blue Cross Blue Shield	4.50	$169	$4,200	3	4.50
Humana	3.00	$16	$4,115	2	4.40
UnitedHealthcare	5.00	$95	$4,850	3	4.29
Paramount Elite Medicare Plans	3.50	$36	$4,167	3	4.03
Aetna	3.00	$0	$6,236	2	3.99
HAP Senior Plus	4.00	$105	$4,550	1	3.63

WHY CHOOSE AN HMO-POS PLAN?

HMO-POS plans sit between standard HMOs and PPOs. You get a primary care physician model with the option to see out-of-network providers when needed. You'll pay higher costs for those out-of-network visits, but you'll save on monthly premiums and won't need referrals to access specialists outside your network.

Best PPO Medicare Advantage Plans in Michigan

Michigan has 34 PPO Medicare Advantage options available, with monthly costs ranging from $0 to $246 and MOOP limits from $4,000 to $9,250. Quality is strong across the state, with 24 plans earning 4 stars or higher from the CMS.

Blue Cross Blue Shield is the top PPO provider in Michigan, with eight plans rated 4.5 stars, $0 average monthly premiums and a $6,750 average out-of-pocket maximum.
HAP Senior Plus provides four plans with a $9 average monthly premium, 4-star ratings, and a low MOOP limit of $5,200.
Aetna has four plans averaging $20 per month with 4.5-star ratings and a $5,324 out-of-pocket maximum.


Blue Cross Blue Shield	4.50	$0	$6,750	8	5.00
HAP Senior Plus	4.00	$9	$5,200	4	5.00
Aetna	4.50	$20	$5,324	4	4.55
Wellcare	3.00	$0	$5,200	1	4.37
Humana	3.97	$0	$9,150	9	4.28
Zing Health	3.00	$0	$4,950	1	4.18
Priority Health Medicare	4.00	$105	$4,200	5	4.14
UnitedHealthcare	3.50	$32	$6,050	2	3.85

WHY CHOOSE A PPO PLAN?

PPO plans work best for people who travel frequently or need regular specialist care. You'll pay higher premiums than other Medicare Advantage options, but you can see any provider without referrals and access out-of-network doctors when required. While staying in-network saves money, you're never restricted by referral requirements or network limitations.

How to Choose the Best Michigan Medicare Advantage Plan

Choosing the right Medicare Advantage plan means weighing your medical needs, budget and how much provider flexibility you want. Use these factors to narrow your options:

1
Confirm Your Doctors and Hospitals Are in Network
Call your doctors and hospitals to verify they're in the plan's network, not just with the insurer. Each plan from the same company can have a different network.
2
Compare Total Costs, Not Just Premiums
A $0 premium plan can still come with higher copays and deductibles, so factor in total annual costs.
3
Check Prescription Drug Coverage
Review the plan's drug list to confirm your prescriptions are covered and note which tier they fall under.
4
Compare Different Plan Types
Choose an HMO plan type for the lowest premiums and coordinated care through your primary doctor. HMO-POS adds occasional out-of-network access, while PPOs offer the most provider choice.
5
Review Star Ratings and Quality Metrics
Star ratings measure plan quality, service and member satisfaction on a 1-to-5 scale. Plans rated 4 or 5 stars tend to have better health outcomes and fewer complaints.
6
Compare Extra Benefits
Many plans include dental, vision, fitness memberships and over-the-counter allowances. Focus on extras that address your health needs.
7
Check Out-of-Pocket Maximums
Out-of-pocket maximums cap what you pay in a year, no matter how much care you need. Plans with lower caps give you more cost certainty but usually come with higher monthly premiums.

How Much Does Medicare Advantage Cost in Michigan?

In Michigan, Medicare Advantage costs vary by plan type. HMOs are the cheapest option with a $12 monthly rate paired with $5,204 in out-of-pocket maximums. HMO-POS plans are mid-range, averaging $49 per month with slightly lower $5,144 maximums. PPO plans are the priciest in the state, averaging $30 per month with higher $6,012 in out-of-pocket costs, reflecting the added flexibility to see out-of-network providers and visit specialists without referrals.


HMO	$0	$12	$5,204
HMO-POS	$24	$49	$5,144
PFFS	$37	$37	$6,800
PPO	$0	$30	$6,012
Regional PPO	$54	$54	$6,550

Best Michigan Medicare Advantage: FAQ

Here's what Michigan residents most often ask about Medicare Advantage enrollment, coverage and timing.

How do you get a Medicare Advantage plan in Michigan?

Enroll during the Annual Enrollment Period (Oct. 15-Dec. 7) through Medicare.gov, directly with insurers, or via licensed agents. You can also enroll during other qualifying periods.

What does Medicare Advantage cover?

Medicare Advantage plans cover everything Original Medicare does plus often include prescription drugs, dental, vision, hearing aids, and fitness benefits.

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage replaces Original Medicare with bundled coverage from private insurers, while Medicare Supplement (Medigap) works alongside Original Medicare to cover deductibles and copays.

When is open enrollment for Medicare Advantage in Michigan?

Medicare Advantage open enrollment in Michigan runs Oct. 15 to Dec. 7 annually. Current enrollees also get a secondary enrollment window from Jan. 1 to March 31.

Our Methodology: How We Ranked Michigan's Best Medicare Advantage Plans

We analyzed Medicare Advantage plans using a weighted scoring system that prioritizes affordability and quality. Our methodology scores three main factors to help you find plans that offer the best value for your health care needs.

Affordability (50%): Cost comprises half of our overall score, since lower premiums and out-of-pocket limits directly reduce what you pay each year. We evaluated monthly premiums for Part C and Part D coverage combined (30% weight) and in-network maximum out-of-pocket limits (20% weight). Plans with lower premiums and MOOP amounts score higher since they reduce your total annual health care spending.
Star Ratings (40%): CMS star ratings measure plan quality across categories like care effectiveness, customer service and member satisfaction. The Overall Star Rating combines both Part C (medical coverage) and Part D (prescription drug) ratings on a scale from 1 to 5 stars. Plans with higher ratings earn better scores in our analysis.
Availability (10%): We score providers based on how many states they operate in, including Washington, D.C. Providers with broader geographic availability score higher because they're more likely to maintain coverage if you move and often have more resources for customer support and plan improvements.

This scoring system helps you compare plans based on what matters most: cost and quality of care.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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