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. HAP Senior Plus tops PPO options with a 4-star rating. Michigan residents can find zero-premium plans, solid 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; 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.

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 is Michigan-only, with nine Medicare Advantage plans across HMO, HMO-POS and PPO networks, all rated 4 stars by CMS. 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. The Henry Ford Tiered Access option costs $95 a month with a $4,750 cap.

Its four PPO plans let you see out-of-network providers, though at a higher cost. Medicare Explore has no monthly premium, a $5,400 maximum and enhanced prescription benefits that waive deductibles on select tiers. Member Assist PPO costs $9 a month with a $5,200 maximum and basic drug coverage. The remaining two plans run $105 to $165 a month with lower MOOP limits in exchange.

Best HMO Medicare Advantage Plans in Michigan

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.

Blue Cross Blue Shield has one HMO plan at $41 per month, 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.


Blue Cross Blue Shield	4.50	$41	$4,400	1	4.5
Zing Health	2.50	$0	$4,325	2	4.5
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 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 per month, a $5,000 MOOP limit and a 3-star CMS rating.
Blue Cross Blue Shield offers three zero-premium HMO-POS 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
Wellcare	3.00	$9	$5,000	3	5
Blue Cross Blue Shield	4.50	$169	$4,200	3	4.5
Humana	3.00	$16	$4,115	2	4.4
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 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.


Blue Cross Blue Shield	4.50	$0	$6,750	8	5
HAP Senior Plus	4.00	$9	$5,200	4	5
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 frequent travelers and people who see specialists regularly. Premiums are higher than for other Michigan Medicare Advantage plan types, but the trade-off is real flexibility: no referrals required and no network restrictions. Staying in-network costs less, though you're never locked out of out-of-network care when you need it.

How to Choose the Best Michigan Medicare Advantage Plan

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:

1
Confirm Your Doctors and Hospitals Are in Network
Call your doctors and hospitals to confirm they're in the specific plan's network, not just with the insurer. Two plans from the same company can have completely different networks.
2
Compare Total Costs, Not Just Premiums
A $0-premium plan can still carry higher copays and deductibles. Add those up before assuming it's the cheaper option.
3
Check Prescription Drug Coverage
Pull up the plan's formulary to confirm your prescriptions are covered and which tier they fall on.
4
Compare Different Plan Types
HMO plans have the lowest premiums and route all care through your primary doctor. HMO-POS adds occasional out-of-network access. PPOs give you the most provider flexibility but cost more per month.
5
Review Star Ratings and Quality Metrics
CMS star ratings measure plan quality, member satisfaction and claims service on a 1-to-5 scale. Plans rated 4 or 5 stars generally have better health outcomes and fewer member complaints.
6
Compare Extra Benefits
Many Michigan Medicare Advantage plans include dental, vision, fitness memberships and over-the-counter allowances. Prioritize extras that match your actual health needs rather than defaulting to the plan with the longest list.
7
Check Out-of-Pocket Maximums
Your out-of-pocket maximum caps your annual costs regardless of how much care you use. Plans with lower caps protect you from large bills but typically carry 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

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Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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