Medicare Advantage Plans in Michigan 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Michigan has roughly half of its Medicare beneficiaries in Advantage plans. Blue Cross Blue Shield of Michigan has a very strong presence statewide, alongside Priority Health, Humana, and UnitedHealthcare. Detroit and Grand Rapids have competitive markets. The Upper Peninsula is largely rural with limited plan options.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Michigan.
Rural Coverage Note
Parts of Michigan have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Michigan Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Michigan
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Michigan
Michigan's Medigap market is competitive, with BCBS of Michigan and national carriers both offering plans across the state. Residents in the Upper Peninsula often rely on Medigap because MA network depth is limited in that remote region.