Medicare 2026

Medicare in Michigan for 2027: 39 Advantage Plans Leaving, 28 New, and What Else Changes

LANSING — Michiganders on Medicare will see a smaller Medicare Advantage menu for 2027, a lower Part D out-of-pocket cap, and a Social Security raise that starts with January checks. The federal plan year begins January 1, 2027, and the window to compare and switch — Medicare Open Enrollment 2027 — runs October 15 through December 7, 2026.

Medicare 2026Michigan

How many Medicare Advantage plans are offered in Michigan for 2027?

Michigan has 181 Medicare Advantage plans for 2027, down from 192 in 2026. Within that total, 39 plans are not returning anywhere in the state, 28 are new, and 88 are changing in at least one of four ways: a different premium, a different drug deductible, a different plan type, or a different plan name. Those counts span 83 counties, so the mix available in any one ZIP code can look different from the statewide picture.

Paramount Elite Medicare Plans has no Medicare Advantage plan in Michigan for 2027. Devoted Health is new to the Michigan Medicare Advantage market for 2027.

If your current plan is continuing, read the Annual Notice of Change (ANOC) your insurer mailed in September. It spells out what is different for 2027 — premium, deductible, copays, drug list, provider network and extras. If your plan is leaving, you should have received a non-renewal letter. That letter triggers a Special Enrollment Period that runs through February 2027, giving you time to choose another Medicare Advantage plan or return to Original Medicare (and consider a stand-alone Part D plan). You can also use Annual Enrollment, October 15 – December 7, 2026, for a January 1 effective date.

Which Michigan counties have the most Medicare Advantage change for 2027?

Five Michigan counties stand out for the volume of 2027 Medicare Advantage changes. In Oakland County, 23 plans are leaving and 39 are changing. In Washtenaw County, 18 are leaving and 38 are changing. Genesee County has 15 leaving and 38 changing. Livingston County has 14 leaving and 38 changing. Hillsdale County has 15 leaving and 33 changing.

If you live in one of those counties, there is a higher chance something about your 2027 plan — or whether it exists at all — looks different from 2026. The Medicare Plan Finder at medicare.gov is the authoritative place to see which plans are actually offered in your ZIP code.

How many stand-alone Part D drug plans are offered in Michigan for 2027?

Michigan has 11 stand-alone Medicare Part D prescription drug plans for 2027, from 6 insurers, down from 12 plans in 2026. Stand-alone Part D is what you pair with Original Medicare (or with a Medicare Advantage plan that does not include drug coverage).

Two national Part D rules matter in 2027 regardless of which plan you pick. The out-of-pocket cap on covered Part D drugs drops to $2,400, from $2,100 in 2026. And no Part D plan may charge a deductible higher than $700. The $41.33 Part D base beneficiary premium is a national figure used to calculate the late-enrollment penalty; actual plan premiums are set plan by plan and appear in the Plan Finder.

How many Medigap insurers are listed for Michigan in 2027?

Medicare.gov lists 28 Medigap (Medicare Supplement) insurers for a Michigan ZIP code. Medigap works only with Original Medicare, not with Medicare Advantage, and the lettered plans (Plan G, Plan N and others) are standardized — the benefits are the same from company to company for the same letter, though prices and customer service differ.

Your strongest protections to buy a Medigap policy without medical underwriting generally apply when you first enroll in Part B at 65 or older, and in certain guaranteed-issue situations. Rules outside those windows vary; medicare.gov explains them.

What are the national Medicare numbers for 2027, and what did Social Security announce?

Three national 2027 figures are confirmed. The Part D out-of-pocket cap is $2,400. The maximum Part D deductible any plan may charge is $700. The Part D base beneficiary premium used in the late-enrollment penalty formula is $41.33.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

The 2027 Part B standard premium and deductible have not yet been announced; CMS typically releases those figures in the fall, usually November. The 2027 IRMAA income brackets and surcharges, which affect higher-income beneficiaries, are published alongside the Part B numbers and also have not been announced. Watch medicare.gov for the official release.

What should Michigan Medicare beneficiaries do before December 7, 2026?

A short checklist for Annual Enrollment 2027:

• Find and read the Annual Notice of Change from your current Medicare Advantage or Part D plan.
• If you got a non-renewal letter, note that your Special Enrollment Period runs through February 2027.
• Make a current list of your prescriptions, dosages, pharmacies and doctors.
• Run your ZIP code and drug list through the Medicare Plan Finder at medicare.gov to see what is actually offered where you live.
• If you have Original Medicare and are considering Medigap, compare the 28 insurers listed for your Michigan ZIP code.
• Confirm any choice by December 7, 2026 for coverage that starts January 1, 2027.

Where can Michigan residents get free Medicare help for 2027?

Two no-cost, non-sales options cover almost every question. Medicare.gov hosts the official Plan Finder, enrollment tools, and the Medigap policy search. 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, 7 days a week, and can help you compare, enroll, or sort out a letter you received.