Medicare Advantage

Michigan Medicare Advantage Plans for Chronic Conditions in 2027: 17 C-SNPs

LANSING — Michigan residents who live with a long-term health condition will have 17 Chronic Condition Special Needs Plans (C-SNPs) to consider for 2027, out of 181 Medicare Advantage plans available statewide, according to the CMS Medicare Advantage Landscape Source Files for CY2027. These plans are built around people whose doctor has verified a qualifying chronic condition, and availability varies county by county.

What a C-SNP is and who qualifies

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan designed for people living with specific, long-term health conditions. To join one, a provider has to verify in writing that you have the qualifying condition the plan is built around. If that verification is not completed, the plan cannot keep you enrolled.

C-SNPs include Medicare Part A, Part B, and — in Michigan for 2027 — Part D prescription drug coverage in every C-SNP on the list. Beyond that, each plan sets its own rules for cost sharing, provider networks, and extra benefits. Those plan-specific details are not covered here; you can see them in the Medicare Plan Finder at medicare.gov, by calling 1-800-MEDICARE, or in a plan's Evidence of Coverage and provider directory.

The statewide count and the carriers offering them

For 2027, Michigan has 17 C-SNPs available somewhere in the state. For context, the CMS Landscape files also show 30 Dual Eligible Special Needs Plans (D-SNPs) and 3 Institutional Special Needs Plans (I-SNPs) for Michigan, so C-SNPs are one slice of a larger Special Needs Plan picture.

Six carriers offer C-SNPs in Michigan for 2027:

• Aetna (CVS Health) — 1 plan
• Devoted Health — 6 plans
• Health Alliance Plan by Henry Ford Health — 1 plan
• Humana — 1 plan
• UnitedHealthcare — 2 plans
• Zing Health — 6 plans

Several of the Devoted Health, UnitedHealthcare, and Zing Health plans are new for 2027, and one Zing Health plan — Zing Elite Balance IN-MI — was renamed from Zing Elite Balance MI. The full plan-by-plan list, with county counts, is in the table on this page.

The conditions named in plan names, only as named

CMS allows plans to be built around different qualifying conditions, but we can only name a condition when the plan's own name states it. In Michigan for 2027, several C-SNP names point directly to diabetes and heart conditions. Those include:

• HAP Medicare Diabetes and Heart (HMO C-SNP) from Health Alliance Plan by Henry Ford Health
• HumanaChoice - Diabetes and Heart (PPO C-SNP) from Humana
• Zing Elite Diabetes & Heart MI (HMO C-SNP), Zing Elite Essentials Diabetes & Heart MI (HMO C-SNP), Zing Open Choice Diabetes & Heart MI (PPO C-SNP), and Zing Select Diabetes & Heart MI (HMO C-SNP) from Zing Health

One plan names dialysis in its title: Zing Select Dialysis MI (HMO C-SNP) from Zing Health. Other C-SNPs on the Michigan list — including Aetna Medicare Chronic Care, the six Devoted Health "C-SNP Choice" plans, UHC Complete Care MI-5, UHC Complete Care Support MI-3, and Zing Elite Balance IN-MI — do not state a condition in the plan name, so this article does not assign one to them. To find out which condition any of those plans serves, check the plan's materials or call the carrier.

The Special Enrollment Period for people with a qualifying condition

Most Medicare Advantage choices are made during the Annual Enrollment Period, which runs October 15 – December 7, 2026, with coverage starting January 1, 2027. That window still applies to C-SNPs.

But people with a qualifying chronic condition also generally have a Special Enrollment Period that lets them join a C-SNP outside the fall window, once a provider has verified the condition. The exact rules are set by CMS and are described at medicare.gov under Medicare enrollment periods. If you think you qualify, you can confirm the specifics by calling 1-800-MEDICARE.

Checking a plan in your county

A plan on the statewide list is not automatically sold where you live. Each C-SNP is offered county by county, and the counts in Michigan for 2027 range from 2 counties on the small end up to 61 counties for one HAP plan and 47 counties for the Humana C-SNP. The two UnitedHealthcare C-SNPs are offered in 48 and 51 counties, while the Devoted Health and most Zing Health C-SNPs are offered in a smaller handful of counties each. The Aetna Medicare Chronic Care plan is offered in 15 counties.

To see which C-SNPs are actually available at your address:

1. Go to medicare.gov and open the Medicare Plan Finder. 2. Enter your ZIP code and, if asked, your county. 3. Filter for Special Needs Plans and look for the C-SNP label. 4. Compare the plan documents for anything that matters to you — cost sharing, network, drug list, and extra benefits — directly from the plan.

The tables on this page show every Michigan C-SNP, its carrier, its plan type, and how many counties it serves, so you can cross-check what you see in the Plan Finder.

Free help

You do not have to sort this out alone, and you do not have to pay anyone to help you look. Two no-cost options are always available:

• Medicare.gov — the official site for Plan Finder, enrollment periods, and plan documents.
• 1-800-MEDICARE — available 24 hours a day, 7 days a week, including TTY service.

Both can walk you through what a C-SNP is, confirm whether a plan is offered in your county, and explain how the condition-verification step works.