Medicare Advantage

Warren Medicare 2027: Macomb County Options

Medicare in Warren: how many plan options are in Macomb County heading into 2027, plus key dates and Part D figures.

WARREN, Mich. — If you live in Warren and you're shopping for Medicare coverage this fall, you have a lot to sort through. Warren is in Macomb County, where CMS listed 86 Medicare Advantage plans for 2026 in its Landscape files. The 2027 lineup is detailed in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder — and knowing how the counts break down can make the decision feel less overwhelming.

What the plan counts look like in Macomb County

Medicare plan availability is set at the county level, not the city level. So while we're talking about Warren, the numbers actually reflect all of Macomb County. Here's the 2026 snapshot from CMS (the 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder):

• 86 Medicare Advantage plans available countywide.
• 14 carriers offering Medicare Advantage plans that include prescription drug coverage (MA-PD).
• 0 stand-alone Part D drug plans listed in the county's MA landscape file (stand-alone Part D plans are sold on a separate CMS list; if you want drug-only coverage alongside Original Medicare, check Medicare.gov's Plan Finder for the current stand-alone options in ZIP 48088, 48089, 48091, 48092, or 48093).

With roughly 160,868 residents age 65 and older in Macomb County, the market is competitive — and that's part of why the plan count is so high.

Why 86 plans doesn't mean 86 choices for you

The full county menu includes many plan types: HMOs, PPOs, Special Needs Plans (SNPs) for people with certain conditions or dual Medicare-Medicaid eligibility, and more. Not every plan will fit your situation. When you use the Plan Finder tool at Medicare.gov and enter your Warren ZIP code, the list narrows quickly based on:

• The doctors and hospitals you want to keep.
• The prescriptions you take.
• Whether you qualify for a Special Needs Plan.

So think of "86" as the size of the shelf — not the number of plans that will actually make sense for you.

Star Ratings in the area

CMS rates Medicare Advantage contracts on a 1-to-5 star scale each year, based on things like customer service, member complaints, and how well the plan manages care. In Macomb County's 2026 landscape data, no contracts carried a 4-star or higher overall rating. Star Ratings can change year to year, and they're one piece of information among many — not a substitute for checking whether a plan covers your doctors and drugs.

Key Medicare numbers to know heading into 2027

These are program-wide rules set by CMS, so they apply in Warren the same as anywhere else:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your drug spending hits that amount in a given year, you pay nothing more for covered Part D drugs the rest of that year.
• Part D maximum deductible: $615 for 2026 and $700 for 2027. Individual plans may set a lower deductible.
• The coverage gap ("donut hole") is gone. Since 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan. You can choose to spread your out-of-pocket drug costs across the year in monthly payments instead of paying at the pharmacy counter.
• IRMAA (income-related surcharges) kick in for Part B and Part D when a single filer's income tops $109,000 (2026 threshold).

Important dates for Warren enrollees

• Annual Enrollment Period: Oct. 15 – Dec. 7, 2026. This is when most people compare, switch, join, or drop Medicare Advantage and Part D plans for 2027.
• Medicare Advantage Open Enrollment: Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to a different MA plan or return to Original Medicare.

Mark your calendar now — the December deadline sneaks up fast.

Where to get help in Warren

You don't have to figure this out alone, and you shouldn't rely on a TV commercial to make the call. Free, unbiased help is available:

• Medicare.gov — use the Plan Finder to compare plans available at your Warren ZIP code.
• 1-800-MEDICARE (1-800-633-4227) — 24/7 help from Medicare directly.
• Michigan's SHIP program: MMAP (Medicare/Medicaid Assistance Program) at 1-800-803-7174 — free, one-on-one counseling from trained volunteers who don't sell insurance.