Medicare Advantage

Westland's 2027 Medicare Advantage roster: 16 carriers, 90 plans, one deadline

For 2027, Westland is looking at 86 Medicare Advantage plans: 12 new, 16 gone since 2026, and 37 still here but changed on premium, deductible, plan type or name, 5 of them under a new name. Below, how the lineup shifted in Wayne County and what to compare, with no plan ranked or recommended.

Westland, Mich. — Fall 2026 is here, and with it the once-a-year window when people on Medicare in Wayne County can compare next year's Medicare Advantage plans and switch if they want to. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change made in that window takes effect January 1, 2027.

For 2026, Westland residents have a wide field to look at: Wayne County offers 90 Medicare Advantage plans from 16 different carriers, according to the CMS Medicare Advantage Landscape Source File. The final 2027 lineup — including plans that are new for the year and plans that are not returning — becomes visible in the Medicare Plan Finder when it refreshes for the new plan year. Below is a carrier-by-carrier look at who is in the Wayne County market and what plan types they offer, so you know what to expect when you sit down to compare.

What "the 2027 lineup" actually means

Medicare Advantage availability is set at the county level, not the city level. Westland is in Wayne County, so every plan sold to a Westland resident is a plan CMS has approved for Wayne County. That is why you may hear a neighbor in Livonia or Dearborn talk about the same plan you are looking at.

Each fall, carriers file their plans with CMS for the coming year. Some plans renew as-is, some change their benefits (those changes arrive in the mail in your Annual Notice of Change, or ANOC), some are brand new, and some are discontinued. The full 2027 list for Wayne County appears in the Medicare Plan Finder at medicare.gov once the plan year data is loaded.

The carriers serving Wayne County

Here is the 2026 carrier roster for Wayne County, listed alphabetically, with the plan types each one offers and the number of Special Needs Plans (SNPs) they include. The table on this page shows every individual plan by name.

• Aetna (CVS Health) — 9 plans (HMO, HMO-POS, PPO; 2 SNPs)
• Align Senior Care — 2 plans (HMO, HMO-POS; 2 SNPs)
• AmeriHealth Caritas VIP Care — 1 plan (HMO; 1 SNP)
• Blue Care Network — 5 plans (HMO, HMO-POS)
• Blue Cross Blue Shield of Michigan — 7 plans (PPO)
• Centene (WellCare) — 6 plans (HMO, HMO-POS, PPO; 1 SNP)
• HAP CareSource MI Coordinated Health — 1 plan (HMO; 1 SNP)
• Health Alliance Plan by Henry Ford Health — 11 plans (HMO, HMO-POS, PPO; 1 SNP)
• Humana — 16 plans (HMO, HMO-POS, PPO; 3 SNPs)
• Longevity Health Plan — 1 plan (HMO; 1 SNP)
• McLaren Medicare — 3 plans (HMO)
• Molina Healthcare of Michigan — 1 plan (HMO; 1 SNP)
• Priority Health Medicare — 11 plans (HMO, HMO-POS, PPO; 1 SNP)
• Trinity Health Plan of Michigan — 3 plans (HMO)
• UnitedHealthcare — 5 plans (HMO, PPO; 2 SNPs)
• Zing Health — 8 plans (HMO, PPO; 5 SNPs)

By plan type, the Wayne County field breaks down to 31 HMOs, 18 HMO-POS plans and 41 PPOs. All 90 plans include prescription drug coverage.

How the plan types differ

You will see three labels a lot in the Westland market:

• HMO — you generally use the plan's network of doctors and hospitals, and usually pick a primary care doctor.
• HMO-POS — an HMO with a "point of service" option that lets you go out of network for certain services, usually at a higher cost.
• PPO — you can see providers in or out of network, though in-network is cheaper.

A Special Needs Plan (SNP) is a Medicare Advantage plan built for a specific group: people with both Medicare and Medicaid (D-SNP), people with certain chronic conditions like diabetes or heart disease (C-SNP), or people who live in a nursing facility (I-SNP). Wayne County has 21 SNPs in 2026 across several carriers.

If your plan is not returning for 2027

If your current Medicare Advantage plan will not be offered next year, your plan is required to send you a non-renewal notice in the fall. That notice triggers a Special Enrollment Period — you do not have only until December 7 to act. You generally have from December 8, 2026 through the end of February 2027 to choose another Medicare Advantage plan or return to Original Medicare (and add a Part D drug plan). Original Medicare is always available; you do not need to enroll in another Advantage plan.

If you do nothing and your plan is returning, it renews automatically on January 1, 2027, with whatever changes are described in the ANOC.

What is confirmed for 2027 — and what is not

CMS has published these Part D figures for 2027:

• Part D out-of-pocket cap: $2,400 (up from $2,100 in 2026).
• Part D maximum deductible: $700 (up from $615 in 2026).
• The Part D national base beneficiary premium is $41.33 for 2027 — a formula input, not the price of any specific plan.

Not yet announced: the 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets. CMS typically posts those figures in November. Once they are public, you will be able to see the full picture of your 2027 costs.

How to compare during AEP

A calm approach beats a rushed one:

1. Read your ANOC when it arrives (September–October). It tells you exactly what is changing in your current plan. 2. Make a short list: your doctors, your pharmacy, and your prescriptions with doses. 3. Go to medicare.gov/plan-compare, enter your ZIP and your drug list, and look at total yearly cost, network and drug tier — not just the monthly premium. 4. If you want a human, call 1-800-MEDICARE (24/7) or Michigan's MMAP (Medicare/Medicaid Assistance Program), the state's SHIP, at 1-800-803-7174. MMAP counseling is free and unbiased.