Best Medicare Advantage Plans in Michigan (2027)

Aetna Medicare has some of the lowest out-of-pocket costs among Michigan's best Medicare Advantage companies for 2027. Its PPO plans have a $5,200 median maximum out-of-pocket (MOOP) limit, $1,250 below Michigan's PPO median of $6,450. About 90% of Aetna's plans also have $0 monthly premiums, compared with 74% across all carrier plans statewide.

Aetna has 10 plans across 54 counties, including eight PPOs and two HMO-POS plans. All include dental, vision and hearing benefits.

Aetna's 4.0-star median CMS rating is slightly above Michigan's 3.89-star average, though its CAHPS member satisfaction rating of 84 trails the statewide average of 86. Its HMO-POS plans also have higher out-of-pocket limits, with a $6,550 median MOOP compared with Michigan's HMO-POS median of $6,350.

Blue Care Network has some of Michigan's strongest Medicare Advantage quality ratings for 2027, with a 4.5-star median CMS rating compared to the statewide average of 3.89 stars. Its CAHPS rating of 88 also exceeds Michigan's average of 86.

The carrier has five plans across 70 counties, including one HMO and four HMO-POS options. Its $4,800 median HMO MOOP is $1,100 below Michigan's $5,900 HMO median, while its $4,650 HMO-POS median is $1,700 below the state median for HMO-POS plans.

Only 20% of Blue Care Network plans have $0 premiums, and premiums ranging from $41 to $277. All plans include dental benefits, but vision and hearing coverage are each available with four of Blue Care's five plans.

Health Alliance Plan by Henry Ford Health has 10 Medicare Advantage plans in Michigan for 2027, with lower out-of-pocket limits than the statewide medians for both HMO and PPO plans. Its five HMO plans have a $4,950 median maximum out-of-pocket (MOOP) limit, $950 below Michigan's HMO median of $5,900. Its PPO median of $5,825 is also $625 below the statewide PPO median of $6,450.

All 10 plans include dental, vision and hearing benefits. Seven of its 10 plans have $0 monthly premiums, while three plans have premiums ranging from $95 to $124. Health Alliance Plan also has a 4.0-star median CMS rating and a CAHPS health plan rating of 89, both above statewide averages of 3.89 stars and 86.

Blue Cross Blue Shield of Michigan provides eight PPO Medicare Advantage plans across all 83 Michigan counties for 2027. Its 4.5-star CMS rating is above Michigan's 3.89-star average, while its CAHPS health plan rating of 89 exceeds the statewide average of 86.

Only 38% of Blue Cross Blue Shield's plans have $0 monthly premiums, with premiums on the remaining plans ranging from $38 to $221. Its $6,750 median maximum out-of-pocket (MOOP) limit is also $300 above Michigan's PPO median of $6,450, though its $355 median daily inpatient copay is $20 below the statewide PPO median.

Most plans include dental, vision and hearing benefits, but coverage amounts vary. Blue Cross Blue Shield is best suited for people who value higher quality ratings over lower premiums and out-of-pocket limits.

Priority Health Medicare has a 4.5-star median CMS rating, above Michigan's statewide average of 3.89 stars. Its CAHPS health plan rating of 88 also exceeds the state average of 86. The carrier has 10 Medicare Advantage plans across 68 counties, including six HMO-POS plans and four PPOs.

Specialist visits are relatively affordable, with a $25 median copay, $7 below Michigan's HMO-POS median of $32. Annual out-of-pocket limits are less competitive. Priority Health's $6,875 median HMO-POS maximum out-of-pocket (MOOP) limit is $525 above the statewide median of $6,350, and its median PPO MOOP limit of $6,850 is $400 above the state median of $6,450.

All Priority Health plans include vision and hearing benefits, but none include dental coverage. Only 60% of its plans have $0 monthly premiums, below the statewide rate of 74% across all carriers.

Humana has the largest Medicare Advantage plan selection in Michigan for 2027, with 11 plans available across all 83 counties. Its portfolio includes HMO-POS, PPO and Regional PPO options.

Humana's HMO-POS plans have a $4,400 median MOOP, $1,950 below Michigan's $6,350 HMO-POS median. Its PPO median of $6,550, however, is $100 above the statewide PPO median of $6,450. The carrier also has a 4.0-star median CMS rating, which is higher than the state average but trails some competitor 4.5-star ratings.

82% of Humana plans have $0 monthly premiums, compared to 74% across all carriers statewide. All of its plans also include dental, vision and hearing benefits, with a $2,000 median dental benefit maximum, among the highest in the state. Its $435 median daily inpatient copay, however, is also tied for the highest in the state, and there are no OTC benefits on any of its plans.