Medicare Advantage
39 Medicare Advantage Plans Not Returning in Michigan for 2027: The List
LANSING, Mich. — When CMS published the 2027 Medicare Advantage Landscape files, 39 plans currently offered somewhere in Michigan did not appear for any county. For 2027, Michigan has 181 Medicare Advantage plans from 18 carriers. Members of a non-renewed plan will get a letter from their carrier and have options during Annual Enrollment 2027, which runs October 15 through December 7, 2026, with coverage starting January 1, 2027.
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Key takeaways
- 39 Medicare Advantage plans available in Michigan for 2026 are not in the CMS 2027 file for any county in the state.
- If your plan is on the list, your carrier must send a non-renewal letter, and you can choose a new plan during Annual Enrollment 2027 (October 15 – December 7, 2026).
- Doing nothing means you return to Original Medicare on January 1, 2027, with no Part D drug coverage unless you add it.
- A non-renewal triggers a Special Enrollment Period that runs through the end of February 2027, plus a guaranteed-issue right to buy certain Medigap policies.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many Medicare Advantage plans are not returning in Michigan for 2027, and from which carriers?
Thirty-nine Medicare Advantage plans offered in Michigan in 2026 are not in the CMS 2027 Landscape file for any Michigan county. They come from eight carriers: Aetna (CVS Health), Blue Care Network, Blue Cross Blue Shield of Michigan, Centene (WellCare), Humana, Paramount Elite Medicare Plans, Priority Health Medicare, and UnitedHealthcare. For 2027, Michigan still has 181 Medicare Advantage plans from 18 carriers, so most members will have replacement options to compare. The full non-renewal list, with plan type and county counts, is in the table on this page.
Which non-returning Michigan plans served the most counties in 2026?
The non-returning plans with the widest 2026 footprints include Humana USAA Honor Giveback with Rx (PPO), listed at 83 counties and again at 73 counties; Wellcare Patriot Giveback Open (PPO) and Wellcare Simple Open (PPO), each at 48 counties; and PriorityMedicare Vintage (HMO-POS) at 38 counties. Aetna Medicare Enhanced (PPO) served 29 counties, and the two Wellcare D-SNP plans — Wellcare Dual Access Open (PPO D-SNP) and Wellcare Dual Reserve (HMO-POS D-SNP) — each served 28 counties. A plan is offered county by county, so a listed footprint does not mean it was available in every ZIP in those counties.
How can a Michigan member tell if their Medicare Advantage plan is leaving for 2027?
Two signals matter. First, the carrier must mail an Annual Notice of Non-Renewal (sometimes called a plan non-renewal letter) before Annual Enrollment 2027 begins on October 15, 2026, explaining that the plan will not be offered in 2027. Second, the plan name on that letter should match a plan on the Michigan non-renewal table on this page — for example, BCN Advantage Elements (HMO-POS), Medicare Plus Blue + Meijer (PPO), Paramount Elite Standard (HMO-POS), one of the Erickson Advantage plans, or UHC Dual Complete MI-Y1 (HMO D-SNP). If both match, the member needs to pick a new plan or accept the default described below.
What happens to a Michigan member who does nothing by December 7, 2026?
A Michigan member whose Medicare Advantage plan is not renewed and who makes no new choice by December 7, 2026 is moved to Original Medicare (Part A and Part B) on January 1, 2027. Original Medicare does not include Part D prescription drug coverage, so anyone who wants drug coverage would need to actively enroll in a stand-alone Part D plan or a new Medicare Advantage plan that includes drugs. The non-renewed Advantage plan simply ends; there is no automatic transfer to another Advantage plan from the same carrier.
Is there a Special Enrollment Period and a Medigap right for Michigan members whose plan is not returning in 2027?
Yes. When a Medicare Advantage plan is non-renewed, CMS grants a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027, allowing the member to join another Medicare Advantage plan or a stand-alone Part D plan outside the regular Annual Enrollment window. Members who return to Original Medicare because of a plan termination also have a federal Medigap guaranteed-issue right to buy certain Medicare Supplement policies without medical underwriting, within set timeframes. Michigan has its own Medigap rules on top of federal law; questions about state-specific protections go to the Michigan Department of Insurance and Financial Services.
How does a Michigan reader check the 2027 plan lineup for their own county?
The authoritative county-by-county lineup for 2027 is on Medicare.gov's Plan Finder, which pulls from the CMS Landscape Source File. A reader enters their ZIP code and sees every Medicare Advantage and Part D plan available in their county for 2027, along with premiums, drug formularies, and provider directories as filed by each carrier. Because a non-returning plan may have served only part of Michigan — some on the list served a single county, others dozens — the only way to confirm the exact replacement options in a given county is to run the Plan Finder for that ZIP.
What should a Michigan member do before December 7, 2026 if their plan is on the list?
Before December 7, 2026, a Michigan member whose plan is on the non-renewal list should read the carrier's non-renewal letter, list the doctors, hospitals and prescriptions they want to keep, and compare the remaining 181 Michigan Medicare Advantage plans (or a combination of Original Medicare, Part D and Medigap) on the Medicare Plan Finder. Confirming that each preferred provider and medication is covered under a new plan — using the plan's Evidence of Coverage and provider and drug directories — avoids surprises on January 1, 2027. Members who prefer Original Medicare plus Medigap should also ask about the guaranteed-issue window tied to the non-renewal.
Where can Michigan Medicare beneficiaries get free help for Annual Enrollment 2027?
Free, unbiased help is available directly from Medicare. Medicare.gov hosts the Plan Finder and plan-comparison tools, and 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, seven days a week, to answer questions about enrollment, Special Enrollment Periods, and Medigap rights. Both can confirm whether a specific plan name appears in the 2027 file for a specific county.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Not returning for 2027
Medicare Advantage plans across Michigan not returning for 2027
These 39 plans are offered across Michigan for 2026 and are not in CMS’s 2027 file for any county in the state. A member of one of them gets a non-renewal letter from the plan and has a Special Enrollment Period to choose new coverage.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Aetna (CVS Health) 2 plans | |||
| Aetna Medicare Enhanced (PPO) | PPO | Yes | 29 |
| Aetna Medicare Prime Care (HMO-POS) | HMO-POS | Yes | 4 |
| Blue Care Network 5 plans | |||
| BCN Advantage Elements (HMO-POS) | HMO-POS | No | 24 |
| BCN Advantage Elements (HMO-POS) | HMO-POS | No | 20 |
| BCN Advantage Elements (HMO-POS) | HMO-POS | No | 12 |
| BCN Advantage Elements (HMO-POS) | HMO-POS | No | 10 |
| BCN Advantage Elements (HMO-POS) | HMO-POS | No | 4 |
| Blue Cross Blue Shield of Michigan 3 plans | |||
| Medicare Plus Blue + Meijer (PPO) | PPO | Yes | 16 |
| Medicare Plus Blue + Meijer (PPO) | PPO | Yes | 6 |
| Medicare Plus Blue + Meijer (PPO) | PPO | Yes | 4 |
| Centene (WellCare) 4 plans | |||
| Wellcare Patriot Giveback Open (PPO) | PPO | No | 48 |
| Wellcare Simple Open (PPO) | PPO | Yes | 48 |
| Wellcare Dual Access Open (PPO D-SNP) | PPO D-SNP | Yes | 28 |
| Wellcare Dual Reserve (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 28 |
| Humana 6 plans | |||
| Humana USAA Honor Giveback with Rx (PPO) | PPO | Yes | 83 |
| Humana USAA Honor Giveback with Rx (PPO) | PPO | Yes | 73 |
| Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) | HMO C-SNP | Yes | 11 |
| Humana Gold Plus H8908-001 (HMO-POS) | HMO-POS | Yes | 9 |
| Humana Full Access H5216-287 (PPO) | PPO | Yes | 3 |
| Humana Full Access H7617-055 (PPO) | PPO | Yes | 3 |
| Paramount Elite Medicare Plans 4 plans | |||
| Paramount Elite Enhanced (HMO-POS) | HMO-POS | Yes | 5 |
| Paramount Elite Preferred (PPO) | PPO | Yes | 5 |
| Paramount Elite Prime (HMO-POS) | HMO-POS | Yes | 5 |
| Paramount Elite Standard (HMO-POS) | HMO-POS | Yes | 5 |
| Priority Health Medicare 8 plans | |||
| PriorityMedicare Vintage (HMO-POS) | HMO-POS | Yes | 38 |
| PriorityMedicare Vital (PPO) | PPO | Yes | 18 |
| PriorityMedicare Key (HMO-POS) | HMO-POS | Yes | 16 |
| PriorityMedicare Thrive Plus (PPO) | PPO | Yes | 16 |
| PriorityMedicare Vital (PPO) | PPO | Yes | 15 |
| PriorityMedicare Key (HMO-POS) | HMO-POS | Yes | 14 |
| PriorityMedicare Thrive Plus (PPO) | PPO | Yes | 14 |
| PriorityMedicare Vital (PPO) | PPO | Yes | 5 |
| UnitedHealthcare 7 plans | |||
| UHC Dual Complete MI-Y1 (HMO D-SNP) | HMO D-SNP | Yes | 10 |
| Erickson Advantage Champion (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 1 |
| Erickson Advantage Freedom (HMO-POS) | HMO-POS | Yes | 1 |
| Erickson Advantage Guardian (HMO-POS I-SNP) | HMO-POS I-SNP | Yes | 1 |
| Erickson Advantage Liberty (HMO-POS) | HMO-POS | Yes | 1 |
| Erickson Advantage Liberty no Rx (HMO-POS) | HMO-POS | No | 1 |
| Erickson Advantage Signature (HMO-POS) | HMO-POS | Yes | 1 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across Michigan for 2027
- Aetna (CVS Health) 13 plans: HMO, HMO-POS, PPO
- Align Senior Care 2 plans: HMO, HMO-POS
- AmeriHealth Caritas VIP Care 2 plans: HMO
- Blue Care Network 16 plans: HMO, HMO-POS
- Blue Cross Blue Shield of Michigan 24 plans: PPO
- Centene (WellCare) 6 plans: HMO, HMO-POS
- Devoted Health 12 plans: PPO
- HAP CareSource MI Coordinated Health 1 plan: HMO
- Health Alliance Plan by Henry Ford Health 13 plans: HMO, HMO-POS, PPO
- Humana 18 plans: HMO, HMO-POS, PFFS, PPO
- Longevity Health Plan 1 plan: HMO
- McLaren Medicare 3 plans: HMO
- Molina Healthcare of Michigan 3 plans: HMO
- Priority Health Medicare 40 plans: HMO, HMO-POS, PPO
- Trinity Health Plan of Michigan 4 plans: HMO
- UnitedHealthcare 13 plans: HMO, HMO-POS, PPO
- Upper Peninsula Health Plan (UPHP) MI Coordinated Health 1 plan: HMO
- Zing Health 9 plans: HMO, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
How will I know if my Michigan Medicare Advantage plan is not returning in 2027?
What happens on January 1, 2027 if I do not pick a new plan?
Do I get extra time to choose a plan if mine is non-renewed?
Where can I compare the 181 Michigan Medicare Advantage plans available for 2027?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source Files, CY2026 and CY2027: the Michigan plan counts, the list of non-returning plans, carriers, plan types and county footprints.
- Medicare.gov — Plan Finder: the 2027 county-level plan lineup used to compare replacement options.
- CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment Period dates and the Special Enrollment Period for non-renewed plans.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.