Best Medicare Advantage Plans in Michigan (2026)

Aetna Medicare has serves 61 of 83 counties in Michigan with 12 plan options, including HMO-POS and PPO plans. Most of its plans have no monthly premium, and the carrier has the lowest maximum cost-exposure (combining its median premium and median MOOP limits) in our analysis at $5,200. Its Eagle PPO has a $4,900 annual out-of-pocket maximum, a $15 primary care copay and a $30 specialist copay, all for no monthly premium. The Eagle PPO also includes up to $3,750 in dental coverage, a $400 annual OTC allowance, $300 for eyewear and $3,000 for hearing aids.

Aetna's Michigan PPO plans have a 4.5-star CMS rating and an 89 out of 100 CAHPS member experience rating, but its HMO-POS plans have a lower 3-star CMS rating and 86 CAHPS rating.

Blue Care Network has a 4.5-star CMS rating across its HMO and HMO-POS plans as well as  89 out of 100 CAHPS member experience rating. All five of its plans include comprehensive dental coverage with a $1,500 annual maximum and charge $15 for primary care visits.

Blue Care Network's median out-of-pocket maximum is $4,400, with individual plans ranging from $4,000 to $5,000. Its standout plan is the BCN Advantage Elements plan, which has a $0 premium, is available in 70 counties and includes a $200 OTC allowance and a $100 vision allowance.

Health Alliance Plan by Henry Ford Health has 10 Medicare Advantage plans in Michigan, including HMO, HMO-POS and PPO options. All have a 4-star CMS rating, and most charge no monthly premium. Its HMO plans have a CAHPS member experience rating of 90 out of 100, the second-highest among Michigan carriers behind Humana.

Primary care copays range from $15 to $20, while specialist copays range from $10 to $20. All plans include dental benefits with up to $2,000 in coverage and a $150 vision allowance, but none include hearing aid benefits.

Priority Health Medicare has more Michigan Medicare Advantage enrollees than any other carrier in 2026, with 247,830 members representing 30.8% of the state's enrollment. It has 10 plans across 68 counties in Michigan, six of which have a $0 monthly premium. Its plan lineup is evenly split between HMO-POS and PPO options, both of which provide more flexibility when seeking care than traditional HMOs.

Priority Health Medicare's median out-of-pocket maximum is $5,700, with individual plans ranging from $4,200 to $9,250. Its HMO-POS plans have a 4.5-star CMS rating, while its PPO plans have a 4-star rating. All 10 plans include vision benefits, while half include dental coverage and none include hearing aid benefits.

Blue Cross Blue Shield of Michigan is one of two carriers serving all 83 Michigan counties and the only one offering exclusively PPO plans. Its statewide PPO network gives members access to out-of-network providers without referrals, though out-of-network care costs more than in-network care. Costs are relatively high, with a median out-of-pocket maximum of $6,500 and only 38% of plans offering a $0 monthly premium. Dental coverage is included with most of its plans, but vision is only included with half and no plans have hearing aid benefits.

Plan quality is strong, with a 4.5-star CMS rating and an 89 out of 100 CAHPS member experience rating.

UnitedHealthcare is the only Medicare Advantage provider in Michigan with a 5-star CMS rating, which it holds for its HMO-POS plans. The carrier has seven total plans in the state, including four HMO-POS options and three PPO options. Its PPO plans, however, have a lower 3.5-star CMS rating.

UnitedHealthcare's median maximum out-of-pocket limit is $6,700, the highest among Michigan's 12 carriers. Supplemental benefits are also less comprehensive. All of its plans include vision benefits, with allowances ranging from $100 to $300, but none of its plans include hearing aid benefits, and only two of its PPO plans cover dental care.