Medicare Advantage

Sizing up Medicare in Roseville: how many 2027 choices Macomb County retirees have

If you live in Roseville and you're on Medicare — or about to be — the first question is usually pretty simple: how many choices do I actually have? For 2026, Macomb County has 86 Medicare Advantage plans listed, according to CMS Medicare Plan Finder data. The 2027 lineup is spelled out in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder.

Medicare AdvantageRoseville, MI

That's a lot to sort through, but knowing the size of the field is the first step to feeling less overwhelmed. Here's a plain-language snapshot of what was on the table for 2026 — with the 2027 lineup available in each plan's ANOC and on Medicare.gov — plus the dates and rules that matter most for choosing 2027 coverage.

What "86 plans" really means

That count of 86 is the number of Medicare Advantage plans offered in Macomb County for 2026. It's a county-level figure — Medicare plan availability is set by county, not by ZIP code or city — so every Roseville resident draws from the same overall pool of Advantage plans. For the 2027 pool, see each plan's ANOC and Medicare.gov's Plan Finder.

Not every plan will fit every person. Some are HMOs, some are PPOs, some are special needs plans for people with certain conditions or dual Medicare-Medicaid eligibility. The 86 figure simply tells you the size of the menu; your personal shortlist will be much smaller once you factor in your doctors, your prescriptions, and how you like to get care.

The carrier picture

Fourteen different carriers offered Medicare Advantage plans with drug coverage (MA-PD) in Macomb County for 2026. Some carriers offered just one or two plans; others offered many. That's why the plan count (86) was much higher than the carrier count (14). The 2027 carrier and plan counts are in each plan's ANOC and on Medicare.gov's Plan Finder.

For stand-alone Part D drug plans — the kind you pair with Original Medicare — CMS data shows those are counted at the region level in Michigan rather than the county level, so you won't see a county-specific tally there. When you use Medicare's Plan Finder at medicare.gov and enter your Roseville ZIP code, you'll see the full list of stand-alone Part D options available to you.

Star Ratings, briefly

Medicare rates plans on a 1-to-5 star scale based on things like customer service, member complaints, and how well the plan manages chronic conditions. Ratings are updated each fall and are one input among several when you compare plans. You can look up any plan's current stars on medicare.gov.

Ratings are useful, but they're not the whole story — a plan with strong stars still might not cover your specific doctors or medications, and vice versa.

Program-level numbers to know for 2027

Whichever direction you go, a few 2026 figures apply to everyone with Medicare:

• Part D out-of-pocket cap: $2,100. Once your out-of-pocket spending on covered drugs hits that amount, you pay $0 for covered drugs the rest of the year.
• Part D maximum deductible: $615. Individual plans may set a lower deductible.
• The "donut hole" is gone. Since 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan: an optional program that lets you spread your drug costs into monthly payments over the calendar year instead of paying all at once at the pharmacy.
• IRMAA: higher-income enrollees pay a Part B and Part D surcharge. For 2026, it begins above $109,000 in income for a single filer.

Key dates for Roseville residents

• 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 a different one or go back to Original Medicare (and add a stand-alone Part D plan).

If you do nothing during these windows, your current coverage generally rolls forward — as long as your plan is still being offered. That's why it's worth at least glancing at your Annual Notice of Change letter each fall.

How to narrow 86 plans down to one

You don't have to read 86 brochures. A practical approach:

1. List your must-haves: current doctors, hospitals, and prescriptions. 2. Use Plan Finder: at medicare.gov, enter your Roseville ZIP code and your drug list. It filters plans by your actual needs. 3. Call in help: 1-800-MEDICARE is open 24/7. Michigan's State Health Insurance Assistance Program (SHIP) — called MMAP here — offers free, unbiased counseling from trained volunteers.