Medicare Advantage

Detroit's 2027 Medicare Advantage lineup: 12 new plans, 16 leaving, and what Wayne County shoppers should check

For 2027, Detroit is looking at 86 Medicare Advantage plans: 12 new, 16 gone since 2026, and 37 still here but changed on premium, deductible, plan type or name, 5 of them under a new name. Below, how the lineup shifted in Wayne County and what to compare, with no plan ranked or recommended.

Detroit — October 2026. If you have a Medicare Advantage plan in the Detroit area, this fall's mail is worth opening carefully. The lineup for 2027 in Wayne County shifts in both directions: 12 plans are new, 16 are not coming back, and dozens more are continuing with some kind of change. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice you make takes effect January 1, 2027.

Detroit is in Wayne County, and Medicare Advantage availability is set at the county level. That means the plan menu described here applies across Wayne County, not just inside the Detroit city limits.

What the 2027 lineup looks like in Wayne County

For plan year 2026, Wayne County has 90 Medicare Advantage plans from 16 carriers. By plan type that breaks down to 31 HMOs, 18 HMO-POS plans and 41 PPOs. All 90 include Part D drug coverage, and 21 are Special Needs Plans (SNPs) built for people with a qualifying condition, people on both Medicare and Medicaid, or people who live in an institution.

The 16 carriers serving the county are Aetna (CVS Health), Align Senior Care, AmeriHealth Caritas VIP Care, Blue Care Network, Blue Cross Blue Shield of Michigan, Centene (WellCare), HAP CareSource MI Coordinated Health, Health Alliance Plan by Henry Ford Health, Humana, Longevity Health Plan, McLaren Medicare, Molina Healthcare of Michigan, Priority Health Medicare, Trinity Health Plan of Michigan, UnitedHealthcare and Zing Health. The two biggest menus come from Humana (16 plans) and from Health Alliance Plan and Priority Health Medicare (11 plans each). The table below lists every plan by carrier.

New plans for 2027

Twelve Medicare Advantage plans are new for 2027 in Wayne County. In alphabetical order by carrier:

• Blue Care Network — BCN Advantage Elements (HMO-POS)
• Blue Cross Blue Shield of Michigan — Medicare Plus Blue + Meijer (PPO)
• Humana — Humana Full Access (PPO), with two new PPO plans sharing that name
• Priority Health Medicare — PriorityMedicare Align (HMO-POS) and PriorityMedicare Thrive (PPO)
• Trinity Health Plan of Michigan — Trinity Health Plan of Michigan Plus (HMO)
• UnitedHealthcare — AARP Medicare Advantage from UHC MI-4 (HMO-POS), AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS), UHC Complete Care MI-5 (HMO-POS C-SNP), and UHC Dual Complete MI-Y1 (HMO D-SNP)
• Zing Health — Zing Elite Essentials Diabetes & Heart MI (HMO C-SNP)

A few of these names look familiar because the carrier is replacing a 2026 plan with a 2027 version under the same or similar label. The 2027 version is a new contract with its own benefit details — read it before assuming anything carries over.

Plans not returning after 2026

Sixteen plans are leaving the Wayne County market at the end of 2026. In alphabetical order by carrier:

• Aetna (CVS Health) — Aetna Medicare Enhanced (PPO); Aetna Medicare Prime Care (HMO-POS)
• Blue Care Network — BCN Advantage Elements (HMO-POS)
• Blue Cross Blue Shield of Michigan — Medicare Plus Blue + Meijer (PPO)
• Centene (WellCare) — Wellcare Patriot Giveback Open (PPO); Wellcare Simple Open (PPO)
• Humana — Humana Full Access H5216-287 (PPO); Humana Full Access H7617-055 (PPO); Humana Gold Plus Chronic Kidney Disease (HMO C-SNP); Humana Gold Plus H8908-001 (HMO-POS); Humana USAA Honor Giveback with Rx (PPO), two plans with the same name
• Priority Health Medicare — PriorityMedicare Thrive (PPO); PriorityMedicare Vintage (HMO-POS); PriorityMedicare Vital (PPO)
• UnitedHealthcare — UHC Dual Complete MI-Y1 (HMO D-SNP)

If you are enrolled in one of these plans, your carrier will send a non-renewal notice this fall. You qualify for a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027. During that window you can pick another Medicare Advantage plan, or you can go back to Original Medicare and add a stand-alone Part D plan. You do not have to decide inside the regular December 7 deadline.

Renamed and otherwise changed plans

Five plans in Wayne County are keeping their contract but changing their name for 2027: Humana Full Access (PPO), which was Humana Full Access H5216-011 (PPO); two Humana Full Access Giveback (PPO) plans that previously carried H5216-306 and H7617-058 in their names; McLaren Medicare Inspire Giveback (HMO), formerly McLaren Medicare Inspire Select (HMO); and Zing Elite Balance IN-MI (HMO C-SNP), formerly Zing Elite Balance MI (HMO C-SNP).

Beyond renames, 32 plans in Wayne County are changing on at least one of premium, deductible, plan type or name between 2026 and 2027, and 69 are continuing. "Continuing" does not mean "identical" — your network, drug list, copays, and extra benefits can still shift year to year. The one document that spells all of that out for your plan is the Annual Notice of Change (ANOC), which plans must mail by late September.

How to decide: a short checklist

• Read the ANOC. The sections to focus on are the premium, the deductible, the drug list (formulary) and the pharmacy network.
• Check your doctors and hospitals. Networks change. In metro Detroit, that includes which systems — Henry Ford, Trinity Health, McLaren, DMC, Beaumont/Corewell — are in-network for the plan you are looking at.
• Check your prescriptions. A drug can move to a different tier, require prior authorization, or drop off the formulary entirely.
• Think about plan type. HMOs usually keep you inside a network and ask for referrals. HMO-POS plans allow some out-of-network care. PPOs give you more freedom to go out-of-network, usually at a higher share of cost.
• If you qualify for extra help, look at Special Needs Plans. Wayne County has 21 SNPs for 2027, split among chronic-condition (C-SNP), dual-eligible (D-SNP) and institutional (I-SNP) plans.
• Compare side-by-side at medicare.gov/plan-compare, which pulls the official 2027 numbers for every plan sold in your ZIP code.

2027 figures that are already set — and ones that are not

CMS has confirmed these Part D numbers for 2027:

• Part D out-of-pocket cap: $2,400 (up from $2,100 in 2026).
• Part D maximum deductible: $700 (up from $615 in 2026).
• Part D national base beneficiary premium: $41.33. That is a formula input used by CMS, not a price any plan charges.