Medicare Advantage

Medicare and Medicaid in Michigan: 30 Dual Special Needs Plans for 2027

LANSING, Mich. — Michiganders who have both Medicare and Medicaid will have 30 Dual Special Needs Plans (D-SNPs) to consider for 2027, part of a wider slate of 181 Medicare Advantage plans reported in the CMS Medicare Advantage Landscape Source Files for the coming plan year. D-SNPs are a specific kind of Medicare Advantage plan built for people who qualify for both programs, and the lineup for next year is being published now so residents can review their options ahead of the Annual Enrollment Period, which runs October 15 through December 7, 2026. A choice made during that window takes effect January 1, 2027.

Alongside the 30 D-SNPs, Michigan's 2027 landscape also includes 17 Chronic Condition SNPs (C-SNPs) and 3 Institutional SNPs (I-SNPs), the other two Special Needs Plan categories. This article focuses on the D-SNP group.

What a D-SNP is and who qualifies

A Dual Special Needs Plan is a Medicare Advantage plan designed only for people enrolled in both Medicare and Medicaid. Every D-SNP on Michigan's 2027 list includes prescription drug coverage. Beyond that shared structure, each plan has its own rules, provider network, drug list and cost-sharing, which is why the specifics belong on Medicare.gov and in each plan's Evidence of Coverage rather than in a news summary.

Eligibility comes in two general flavors. "Full" dual eligibility means Medicaid helps cover a broad range of services and typically pays Medicare cost-sharing. "Partial" dual eligibility — through the Medicare Savings Programs — means Medicaid helps with some Medicare costs, such as the Part B premium, without providing the full Medicaid benefit package. Different D-SNPs are built for different subsets of this population; some accept only full-benefit dual eligibles, others accept a wider range.

The important point for Michigan readers: your dual-eligible status, and which category you fall into, is confirmed by the Michigan Medicaid agency, not by the Medicare plan or by a sales call. If you are unsure where you stand, confirm your Medicaid status before you shop.

The statewide count and the carriers offering D-SNPs

For 2027, 10 carriers are offering D-SNPs somewhere in Michigan. In alphabetical order they are: Aetna (CVS Health), AmeriHealth Caritas VIP Care, Centene (WellCare), HAP CareSource MI Coordinated Health, Health Alliance Plan by Henry Ford Health, Humana, Molina Healthcare of Michigan, Priority Health Medicare, UnitedHealthcare, and Upper Peninsula Health Plan (UPHP) MI Coordinated Health.

The number of D-SNPs each carrier offers varies. UnitedHealthcare has 6; Humana and Priority Health Medicare each have 5; Centene (WellCare) and Molina Healthcare of Michigan each have 3; Aetna (CVS Health), AmeriHealth Caritas VIP Care and Health Alliance Plan by Henry Ford Health each have 2; HAP CareSource MI Coordinated Health and Upper Peninsula Health Plan (UPHP) MI Coordinated Health each have 1.

A few notes about what is changing year over year, drawn from the CMS Landscape comparison between the current and coming plan years:

• New for 2027 are an additional AmeriHealth Caritas VIP Care (HMO D-SNP) offering, Wellcare Meridian Health Dual Liberty (HMO D-SNP) from Centene (WellCare), and two UnitedHealthcare entries listed as UHC Dual Complete MI-Y1 (HMO D-SNP).
• Several plans have been renamed rather than replaced, including Aetna Medicare Dual Care (HMO D-SNP) from Aetna (CVS Health), Wellcare Meridian Health Dual Access (HMO-POS D-SNP) from Centene (WellCare), and UnitedHealthcare's UHC Dual Advantage MI-V1 (HMO-POS D-SNP) and UHC Dual Complete MI-Q1 (HMO-POS D-SNP). The underlying contract continues; the name on the mail is different.

The full plan-by-plan list, including plan type (HMO, HMO-POS or PPO D-SNP) and the number of Michigan counties where each is offered, is rendered as a table elsewhere on this page.

How often a dual-eligible person can change plans

One of the practical advantages of being dual-eligible is more flexibility to switch plans during the year. In addition to the Annual Enrollment Period (October 15 – December 7, 2026, for a January 1, 2027 start), people with both Medicare and Medicaid generally have access to a Special Enrollment Period that lets them make a change once per calendar quarter during the first three quarters of the year. There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31 each year for people already in a Medicare Advantage plan.

The exact rules and timing are described on medicare.gov under Medicare enrollment periods. Confirm them before you act, because the dates and categories are set by CMS, not by any individual plan.

Checking a plan in your county

The statewide count of 30 D-SNPs does not mean 30 choices in your ZIP code. Each plan is offered in a specific set of counties. The county counts in the table on this page come straight from the CMS MA Landscape Source File and show where a plan is available, not what it costs or covers.

To see what is actually available where you live:

1. Go to medicare.gov and use the Plan Finder with your ZIP code. 2. Filter for Special Needs Plans and then for Dual-eligible. 3. Open each plan to review the premium, deductible, drug list, provider network and Star Rating. Those details come from Medicare.gov, 1-800-MEDICARE, or the plan's Evidence of Coverage and directories — not from this article.

If a plan name on this page is not visible when you search your ZIP code, it is simply not offered in your county for 2027.

Free help

You do not have to sort this out alone, and you do not have to pay to get accurate answers.

• Medicare.gov has the official Plan Finder, enrollment tools and plan documents.
• 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, 7 days a week, including TTY service at 1-877-486-2048.
• Your Michigan Medicaid caseworker can confirm your current dual-eligible status and category before you shop.