Medicare Advantage

Got a non-renewal letter from your Detroit plan?

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, Mich. — If you have a Medicare Advantage plan in and around Detroit, check your mail this fall. Sixteen Medicare Advantage plans sold in Wayne County in 2026 are not being offered for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. If your plan is one of them, the insurer must send you a non-renewal letter, and you have extra time — into early 2027 — to pick what comes next.

Here is who is affected, how to tell, and what your choices are.

What "not returning" actually means

Each year, Medicare Advantage insurers tell CMS which plans they will offer in which counties. When a plan is not on the next year's list for your county, it is being discontinued there. The company is not necessarily leaving Detroit — it may still offer other plans — but that specific plan, with its specific benefits and network, ends on December 31.

Detroit sits in Wayne County, where CMS lists 90 Medicare Advantage plans from 16 carriers for 2026. For 2027, Wayne County will have 86 plans from 16 carriers, with 16 plans not returning, 12 new plans, and 5 plans renamed.

The 16 Medicare Advantage plans not returning in Wayne County for 2027

Listed alphabetically by carrier, these are the plans offered in Wayne County in 2026 that CMS does not show for 2027:

• 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); Humana USAA Honor Giveback with Rx (PPO)
• Priority Health Medicare — PriorityMedicare Thrive (PPO); PriorityMedicare Vintage (HMO-POS); PriorityMedicare Vital (PPO)
• UnitedHealthcare — UHC Dual Complete MI-Y1 (HMO D-SNP)

The table on this page lists every Medicare Advantage plan still offered in Wayne County for 2027. For benefits, networks, drug lists, premiums or copays on any plan — current or new — use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE.

How to tell if your plan is one of them

Insurers are required to send a written notice when a plan is being discontinued. Watch for:

• A non-renewal letter (sometimes titled "Plan Termination Notice") mailed by early October 2026. It will say your current plan will not be offered in 2027 and that your coverage ends December 31, 2026.
• Your Annual Notice of Change (ANOC), which arrives in September. If your plan is renewing, the ANOC spells out what is changing for 2027. If your plan is ending, you will get the non-renewal letter instead.

Keep the non-renewal letter. You may need it as proof when you enroll in a new plan under the Special Enrollment Period.

What happens if you do nothing

If your Medicare Advantage plan is on the not-returning list and you do not pick a new plan:

• Your Medicare Advantage coverage ends December 31, 2026.
• On January 1, 2027, you are automatically back on Original Medicare (Part A hospital and Part B medical). You keep Medicare — you just no longer have the Advantage plan's rules, extras, or network.
• You will not have Part D drug coverage unless you sign up for a stand-alone Part D plan. Going without creditable drug coverage can mean a late-enrollment penalty later.
• You will not have the dental, vision, hearing, over-the-counter or transportation extras some Advantage plans include.

Original Medicare also has no out-of-pocket maximum on its own, which is why many people pair it with a Medigap (Medicare Supplement) policy and a stand-alone Part D plan.

Your choices and the Special Enrollment Period

Because your plan is leaving the market — not something you chose — Medicare gives you a Special Enrollment Period (SEP) that runs from December 8, 2026 through February 28, 2027. During that window you can:

1. Join a different Medicare Advantage plan offered in Wayne County for 2027 (with or without drug coverage, depending on the plan). 2. Return to Original Medicare and add a stand-alone Part D plan for drug coverage. 3. Add a Medigap (Medicare Supplement) policy alongside Original Medicare. Losing your plan this way triggers a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting, within a limited time. Michigan has its own rules on which Medigap plans are available and when; check with the Michigan Department of Insurance and Financial Services for state-specific details.

You can also use the regular Annual Enrollment Period (October 15 – December 7, 2026) to pick a 2027 plan that starts January 1 — you do not have to wait for the SEP.

A few 2027 numbers to keep in mind

As you shop, these program-level figures apply no matter which plan you choose:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• The Part B standard premium and deductible for 2027, and the IRMAA income brackets, are set by CMS later in the fall — usually November — so hold off on budgeting those exact numbers until the official announcement.