Best Medicare Advantage Plans in Michigan (2026)

Michigan's Medicare Advantage plans showed a $6,350 MOOP spread within a single plan type in our analysis of HMO-POS options alone. More than half of Michigan Medicare beneficiaries were enrolled as of 2025, per CMS enrollment data.

Blue Cross Blue Shield has the best HMO coverage in the state, with an average $41 monthly premium, a $4,400 MOOP limit and a 4.5-star CMS rating. Priority Health Medicare leads the HMO-POS category with a 4.5-star rating. HAP Senior Plus tops PPO options with a 4-star rating.

Medicare Advantage plans cover hospital stays, doctor visits and prescription drugs; most add dental, vision and other benefits that Original Medicare doesn't include. These private plans must match Original Medicare's core coverage, but they're not required to stop there.

• CMS Star Ratings: Plans earn 1 to 5 stars based on quality and member satisfaction. A rating of 4 or 5 stars is a reliable signal of better care outcomes and fewer complaints.
• Monthly premiums: You'll pay your standard Part B premium plus any plan-specific amount. Many Michigan Medicare Advantage plans charge nothing on top of that.
• Maximum out-of-pocket (MOOP) limits: This annual cap is the most your plan can make you pay for covered services in a year. Once you hit it, the plan covers 100%.
• Drug coverage: Most plans bundle in Part D prescription benefits. Before enrolling, check the formulary; your specific medications may be on a higher cost-sharing tier or require prior authorization.

Michigan's HMO Medicare Advantage market has strong ratings and low costs. Seven of the 12 plans earn 4 stars or higher from CMS, and nine charge no monthly premium, keeping the median at $0 across five providers. Annual out-of-pocket maximums average $5,204 and range from $3,500 to $7,500.

The $3,500 MOOP on HAP Senior Plus's Henry Ford Select HMO is the lowest cap in Michigan's HMO market, $900 below Blue Cross Blue Shield's HMO offering. For enrollees who expect high annual care costs, that $900 MOOP reduction more than covers BCBS's $492 annual premium.

• Blue Cross Blue Shield has one HMO plan at $41 monthly, a $4,400 out-of-pocket maximum and a 4.5-star CMS rating.
• Zing Health has two $0-premium plans with a $4,325 MOOP limit. Its CMS rating is 2.5 stars; low relative to other providers in this category.
• HAP Senior Plus has four zero-premium plans. Out-of-pocket costs average $4,962, and all four carry a 4-star CMS rating.

Michigan's HMO-POS market has 22 Medicare Advantage plans across eight providers, eight of which have no monthly premium. Out-of-pocket maximums average $5,144 and range from $2,900 to $9,250.

• Priority Health Medicare leads the HMO-POS category in Michigan with five plans, 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 monthly, a $5,000 MOOP limit and a 3-star CMS rating.
• Blue Cross Blue Shield has three zero-premium HMO-POS plans, averaging $4,200 in out-of-pocket costs, and a 4.5-star CMS rating.

UnitedHealthcare is the only 5-star-rated HMO-POS provider in this group, but its $95 average monthly premium is the third-highest in the category. The five-star rating reflects exceptional member satisfaction. You'll pay $86 more monthly than Wellcare's three-star plans at $9.

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 leads Michigan's PPO market with eight plans rated 4.5 stars, $0 average monthly premiums and a $6,750 average out-of-pocket maximum.
• HAP Senior Plus has four PPO plans at a $9 average monthly premium, a $5,200 MOOP limit and 4-star CMS ratings.
• Aetna has four plans averaging $20 per month, 4.5-star ratings and a $5,324 out-of-pocket maximum.

Humana's nine PPO plans are the largest selection from a single provider in Michigan's PPO market, but the $9,150 average MOOP is the highest in this group. Blue Cross Blue Shield's zero-premium PPO plans average $2,400 less in annual out-of-pocket exposure, a real cost difference for enrollees who use care regularly.

The right Michigan Medicare Advantage plan depends on your medical needs, budget and how much provider flexibility you want. These seven factors can help you narrow your choices:

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 option in Michigan, averaging $30 monthly with $6,012 in average out-of-pocket costs. The higher cost reflects the added flexibility: no referrals required and access to out-of-network providers.

Most Michigan Medicare Advantage shoppers focus on the monthly premium and miss the MOOP, the gap between the lowest HMO MOOP ($3,500, HAP Senior Plus Henry Ford Select) and the highest HMO MOOP ($7,500) is $4,000 out of pocket in a high-use year.

For enrollees who want the strongest balance of quality ratings and cost control, Blue Cross Blue Shield's BCN Advantage ConnectedCare HMO at $41 monthly with a $4,400 MOOP is the most defensible HMO choice. Priority Health's zero-premium Key HMO-POS plan is the best option for enrollees who want occasional out-of-network access without a monthly premium.

HAP Senior Plus earns its PPO recommendation through consistently low MOOP limits. The Member Assist PPO costs $9 monthly with a $5,200 MOOP, the lowest average out-of-pocket maximum among the three featured PPO providers.

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

We analyzed Medicare Advantage plans using a weighted scoring system that prioritizes affordability and quality.

• 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.

MoneyGeek reviewed 71 Medicare Advantage plans available to Michigan residents for the 2026 plan year. Rate data comes from the CMS Medicare Plan Finder, accessed June 2026. All figures reflect a 65-year-old nonsmoker in Wayne County, Michigan, with Part D drug coverage included. Plan data is sourced from CMS.gov.