Michigan · 2027 plan year
Choosing a Medicare plan in Michigan for 2027
Open Enrollment runs October 15 – December 7. Here's what Michigan seniors and their families need to know to pick the right coverage — without the sales pitch.
The Michigan 2027 snapshot
181
Medicare Advantage plans offered in Michigan
83
Michigan counties covered
97
plans with a $0 plan premium
Even with a $0 plan premium, you still pay the standard Part B premium. How many plans you can pick from depends on your county — the Detroit area has many choices, while northern Michigan and the Upper Peninsula have fewer.
Counts from the official CMS 2027 Medicare Advantage files, including special needs plans.
4 steps to choose your plan
Step 1: Choose your foundation
Original Medicare + Medigap (like Plan G or N): see any doctor or hospital in the country that accepts Medicare. Higher monthly premiums, but predictable costs and almost no network limits.
Medicare Advantage (HMO or PPO): low or $0 plan premiums, often with drug coverage and dental/vision extras — but you use the plan's network and may need approval before some care.
Step 2: Confirm your doctors and hospitals
Networks in Michigan differ a lot from plan to plan, even within the same county. Call your doctors' offices or use each plan's provider search before you choose.
If you spend winters out of state or see specialists you trust, look closely at PPO plans or Medigap so you aren't stuck with out-of-network bills.
Step 3: Check your prescriptions
Every plan that covers drugs has its own formulary (list of covered drugs). Your yearly drug costs are capped — but only for drugs on the plan's list.
A very expensive drug that isn't covered can change your total cost a lot. Check your drugs here.
Step 4: Compare the true yearly cost
A $0 premium plan can still cost thousands if you need surgery, many specialist visits, or therapy. Look at copays and the plan's yearly out-of-pocket limit — the most you'd pay for covered in-network medical care.
Our comparison adds premiums, likely medical costs, and drug costs into one yearly estimate.
Key dates
- October 15 – December 7: Annual Open Enrollment. Changes start January 1, 2027.
- January 1 – March 31: If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once.
Free, unbiased help in Michigan
MMAP (Michigan Medicare/Medicaid Assistance Program) offers free counseling at 1-800-803-7174. They don't sell insurance or earn commissions.
MedicareChoice lets you compare every Michigan plan by county, see estimated yearly costs, and check your drug list — free, with no insurer paying us.