Medicare Advantage

Warren's 2027 Medicare Advantage roster: which carriers stay, which plans exit

WARREN, Mich. — Fall 2026. If you have a Medicare Advantage plan in Warren, the mail landing in your box right now is the one that matters: your plan's Annual Notice of Change, which spells out what your 2027 coverage will look like starting January 1. It arrives alongside a reshuffled lineup in Macomb County, where some plans are new for 2027 and others will not be offered next year.

The Annual Enrollment Period runs October 15 through December 7, 2026. Anything you change in that window takes effect January 1, 2027. If you do nothing and your plan is still offered, it renews automatically with the updates listed in your ANOC.

What's actually changing for 2027

Every fall, insurers file their plan offerings with the Centers for Medicare & Medicaid Services (CMS) for the coming year. Some carriers add plans, some retire plans, and some tweak the details of plans they are keeping. That is why two things are worth doing between now and December 7:

1. Read your Annual Notice of Change. It compares your 2026 plan to the 2027 version of the same plan. 2. Check the Medicare Plan Finder at medicare.gov to see the full 2027 lineup for Macomb County, including any new plans and any plans that will not return.

You will typically see Medicare Advantage sold in a few plan types — HMO, HMO-POS, PPO, and, for some people, Special Needs Plans (SNPs) built for those with certain conditions, Medicaid eligibility, or nursing-home-level needs. Each carrier chooses which types it offers in the county.

If your plan is leaving for 2027

When a Medicare Advantage or Part D plan is not renewed, CMS gives affected members a Special Enrollment Period. In plain terms:

• You will get a written non-renewal notice from your plan, usually in early October.
• You can pick a new Medicare Advantage plan or return to Original Medicare (with or without a stand-alone Part D drug plan).
• The SEP for a non-renewed plan runs from December 8, 2026, through the end of February 2027, though most people choose during the regular Annual Enrollment Period so their new coverage starts January 1.

Do not throw the non-renewal letter away. It is your proof of eligibility for the SEP.

The Part D numbers that apply to everyone

Whether you keep a Medicare Advantage plan with drug coverage or use a stand-alone Part D plan, two 2027 figures are already set by CMS:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026). Once your covered drug spending hits that cap, you pay $0 for covered drugs the rest of the year.
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026). Individual plans may set a lower deductible.

The coverage gap — the old "donut hole" — has been gone since 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.

If drug costs hit hard in any single month, the Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the calendar year in monthly installments. It does not lower the total; it smooths the timing. You opt in through your plan.

The Part B and IRMAA figures are not out yet

CMS usually announces the 2027 Part B standard premium, the Part B deductible, and the updated IRMAA income brackets (the extra amount higher-income enrollees pay for Part B and Part D) in the fall — typically November. When those numbers post, they will show up on medicare.gov. For reference, IRMAA in 2026 begins above $109,000 in income for a single filer.

Anyone who tells you they know the 2027 Part B premium before CMS publishes it is guessing.

A simple game plan between now and December 7

• Pull out your Annual Notice of Change and read the "what's changing" summary.
• Make a short list: your doctors, your pharmacy, and your current prescriptions with doses.
• Run that list through the Medicare Plan Finder at medicare.gov, which shows every 2027 Macomb County plan, checks whether your drugs are covered, and estimates yearly cost.
• If you want free, unbiased help, Michigan's SHIP program (called MMAP here — the Michigan Medicare/Medicaid Assistance Program) offers one-on-one counseling at no charge.