Medicare Advantage

What Medicare Plan Choices Look Like Around Novi in 2027

What Medicare Plan Choices Look Like Around Novi in 2027 — plain-language Medicare information for Novi, Michigan.

NOVI, Mich. — If you live in or near Novi, you probably know that Medicare choices can look different from one town to the next, even inside the same metro area. That's because Medicare Advantage and Part D plan availability is set at the county level, not the city level. So a neighbor a few miles away in another county may see a different lineup than you do.

Here's a plain-language look at how plan availability stacked up across the Novi area for 2026, based on the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage and Part D Landscape data. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.

Novi is in Oakland County — and that matters

Novi is part of Oakland County. When you shop for Medicare Advantage or a stand-alone Part D drug plan, Medicare uses your permanent address to decide which plans you can join. Two people can live only a short drive apart and end up with two different plan menus, simply because they live in different counties.

That's why it helps to think of "Medicare in the Novi area" as "Medicare in Oakland County," at least when we're talking about which plans are available.

How many plans are available in the Novi area

Here is what the 2026 Landscape data shows for Oakland County:

• 103 Medicare Advantage plans available
• 13 carriers offering Medicare Advantage with prescription drug coverage (MA-PD)
• 235,056 residents age 65 and older

That's a large menu of choices. It also means it's worth taking time — or getting help — to sort through it. More options can be a good thing, but only if you compare them against your own doctors, prescriptions, and budget.

One note on stand-alone Part D drug plans: CMS reports the count separately from Medicare Advantage. If you're staying with Original Medicare and want drug coverage, you'll compare Part D plans on Medicare.gov using your ZIP code.

What Star Ratings actually tell you

You may see "Star Ratings" mentioned when you shop. CMS rates Medicare Advantage and Part D contracts on a scale of 1 to 5 stars, based on things like customer service, member experience, and how well the plan manages care.

Star Ratings can be a useful data point when you're comparing plans, but they're just one factor. Your provider network, drug list (formulary), and total expected costs matter just as much — often more — for your day-to-day experience.

Program rules that apply no matter which plan you pick

Some things are set by the Medicare program itself, so they apply across the board:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket spending on covered drugs hits that amount, you pay nothing for covered drugs the rest of the year.
• Part D maximum deductible: $615 in 2026 and $700 in 2027. Plans can set a lower deductible, but not higher.
• No more "donut hole": As of 2025, Part D moved to three phases and the coverage gap was eliminated.
• Medicare Prescription Payment Plan: This optional program lets you spread your yearly drug costs into monthly payments instead of paying at the pharmacy counter.
• IRMAA surcharges: Higher-income beneficiaries pay more for Part B and Part D. For 2026, IRMAA begins above $109,000 in income for a single filer.

Key dates to remember

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you can switch to another one or return to Original Medicare (and add a Part D plan).

Missing these windows can lock you into a plan for the year, so it's worth marking them on your calendar.

Where to get unbiased help

You don't have to figure this out alone, and you don't have to rely on a TV commercial.

• Medicare.gov Plan Finder lets you enter your ZIP code and prescriptions to compare plans available in Oakland County.
• 1-800-MEDICARE (1-800-633-4227) is available 24/7 for questions.
• Michigan MMAP is the state's SHIP (State Health Insurance Assistance Program). Trained counselors give free, one-on-one help — they don't sell plans.