Medicare Advantage
UnitedHealthcare Medicare Advantage in Michigan for 2027: 13 Plans, County by County
LANSING, Mich. — For the 2027 plan year, UnitedHealthcare will offer 13 Medicare Advantage plans across Michigan, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage Landscape Source File for CY2027. The count is statewide: because Medicare Advantage plans are sold county by county, a plan listed here may not be available where you live. This article, published by an independent Medicare education site that is not the government and not affiliated with any insurance carrier, walks through what the CMS file shows for UnitedHealthcare in Michigan next year.
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Key takeaways
- UnitedHealthcare will offer 13 Medicare Advantage plans statewide in Michigan for 2027, and all 13 include drug coverage.
- Five of the 13 plans are new for 2027, and seven plans from 2026 are not returning.
- Because plans are offered county by county, confirm on Medicare.gov that a plan is available at your ZIP code before enrolling.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and choices made in that window take effect January 1, 2027.
What UnitedHealthcare offers statewide for 2027
The CMS Landscape file lists 13 UnitedHealthcare Medicare Advantage plans in Michigan for 2027. By plan type, that breaks down to 3 HMO plans, 5 HMO-POS plans, and 5 PPO plans. All 13 include Part D prescription drug coverage.
Six of the 13 are Dual Eligible Special Needs Plans (D-SNPs), designed for people enrolled in both Medicare and Medicaid. Two are Chronic Condition Special Needs Plans (C-SNPs), designed for people with specific qualifying conditions. UnitedHealthcare lists no Institutional Special Needs Plans (I-SNPs) in Michigan for 2027.
For context, CMS lists 17 other carriers offering Medicare Advantage in Michigan for 2027, with all carriers combined offering 181 plans statewide. UnitedHealthcare is one carrier within that larger landscape; the full carrier and plan tables appear elsewhere on this page.
Plans with the widest county reach
A plan's county reach is simply the number of Michigan counties where CMS shows it as offered. Among UnitedHealthcare's 2027 Michigan lineup, the plans with the broadest footprint on paper include:
- UHC Dual Complete MI-S001 (PPO D-SNP), listed in 54 counties
- UHC Dual Advantage MI-V1 (HMO-POS D-SNP), UHC Dual Complete MI-Q1 (HMO-POS D-SNP), and UHC Dual Complete MI-S3 (HMO D-SNP), each listed in 52 counties
- AARP Medicare Advantage from UHC MI-0001 (PPO), AARP Medicare Advantage from UHC MI-0002 (PPO), AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO), and UHC Complete Care Support MI-3 (PPO C-SNP), each listed in 51 counties
- AARP Medicare Advantage from UHC MI-4 (HMO-POS), AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS), and UHC Complete Care MI-5 (HMO-POS C-SNP), each listed in 48 counties
Narrower-footprint entries include two plans named UHC Dual Complete MI-Y1 (HMO D-SNP), listed in 8 counties and 2 counties respectively. Michigan has 83 counties, so even a wide-reach plan isn't automatically in yours. The full plan-by-plan table on this page shows every UnitedHealthcare plan and its county list.
What's new and what isn't returning
CMS flags 5 UnitedHealthcare plans as new for 2027 in Michigan: AARP Medicare Advantage from UHC MI-4 (HMO-POS), AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS), UHC Complete Care MI-5 (HMO-POS C-SNP), and the two UHC Dual Complete MI-Y1 (HMO D-SNP) entries.
Two D-SNPs are renamed carryovers rather than brand-new offerings: UHC Dual Advantage MI-V1 (HMO-POS D-SNP) was previously UHC Dual Complete MI-V001, and UHC Dual Complete MI-Q1 (HMO-POS D-SNP) was previously UHC Dual Complete MI-S002. If your current plan was renamed, you may see a different plan name on your 2027 paperwork even though it's the continuation of your plan.
CMS also shows 7 UnitedHealthcare plans from 2026 that are not returning for 2027. If you're enrolled in one of those, your Annual Notice of Change (ANOC) from the carrier will explain your options, and you can shop during the Annual Enrollment Period.
Checking whether a plan is offered in your county — and covers your doctors and prescriptions
Statewide counts don't tell you what's available on your block. Two steps make it concrete:
1. Go to Medicare.gov's Plan Finder and enter your ZIP code. You'll see the specific UnitedHealthcare plans — and all other carriers' plans — available in your county for 2027. 2. For each plan you're considering, check the plan's provider directory to see if your doctors, hospitals, and specialists participate, and check the plan's formulary to see how your prescriptions are covered. The plan's Evidence of Coverage (EOC) spells out the full rules.
You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, for help pulling plans by county.
What to do before December 7
The Medicare Annual Enrollment Period runs October 15 – December 7, 2026. Any choice you make during that window — joining, switching, or dropping a Medicare Advantage plan — takes effect January 1, 2027. A simple checklist:
- Read the ANOC your current plan mails each fall; it lists what's changing for 2027.
- Make a short list of your doctors, pharmacies, and current prescriptions.
- Use Medicare.gov's Plan Finder to compare plans actually offered in your county.
- Confirm each plan's network and drug list against your own list before you enroll.
Where to get free help
Medicare.gov is the official source for plan details, enrollment, and county-level availability. 1-800-MEDICARE (1-800-633-4227) is staffed around the clock and can walk you through comparisons, confirm whether a specific plan is offered at your address, and help you enroll.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Michigan for 2027
CMS lists 13 UnitedHealthcare Medicare Advantage plans across Michigan for 2027, alphabetically by carrier, widest county reach first. 17 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 13 plans | |||
| UHC Dual Complete MI-S001 (PPO D-SNP) | PPO D-SNP | Yes | 54 |
| UHC Dual Advantage MI-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 52 |
| UHC Dual Complete MI-Q1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 52 |
| UHC Dual Complete MI-S3 (HMO D-SNP) | HMO D-SNP | Yes | 52 |
| AARP Medicare Advantage from UHC MI-0001 (PPO) | PPO | Yes | 51 |
| AARP Medicare Advantage from UHC MI-0002 (PPO) | PPO | Yes | 51 |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) | PPO | Yes | 51 |
| UHC Complete Care Support MI-3 (PPO C-SNP) | PPO C-SNP | Yes | 51 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS) | HMO-POS | Yes | 48 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS) | HMO-POS | Yes | 48 |
| UHC Complete Care MI-5 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 48 |
| UHC Dual Complete MI-Y1 (HMO D-SNP) | HMO D-SNP | Yes | 8 |
| UHC Dual Complete MI-Y1 (HMO D-SNP) | HMO D-SNP | Yes | 2 |
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
How UnitedHealthcare Medicare Advantage plans across Michigan break down for 2027
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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are offered in Michigan for 2027?
Does the statewide list mean every plan is available in my county?
What's new from UnitedHealthcare in Michigan for 2027?
When is the deadline to choose a plan for 2027?
- 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.
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This page was last updated: October 2026.