Medicare Part D
Michigan Part D Plans for 2027: 11 Stand-Alone Drug Plans From 6 Insurers, Down From 12
LANSING, Mich. — Michiganders shopping for stand-alone Medicare prescription drug coverage will find 11 Part D plans from 6 insurers for 2027, one fewer plan than the 12 offered in 2026, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. The lineup takes effect January 1, 2027 for choices made during Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026.
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Click to call 855-729-3240Key takeaways
- Michigan has 11 stand-alone Part D plans from 6 insurers for 2027, down from 12 plans in 2026.
- The Part D out-of-pocket cap drops to $2,400 in 2027 (from $2,100 in 2026), and no Part D plan may charge a deductible higher than $700.
- A person with full Extra Help can join 1 benchmark stand-alone plan in Michigan with no monthly premium in 2027, compared with 3 in 2026.
- Annual Enrollment runs October 15 – December 7, 2026; coverage chosen during that window starts January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Part D maximum deductible (2026) | $615 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
Michigan is a single CMS Part D region, so each stand-alone drug plan counted here is offered across the entire state. Alongside the plan count, the 2027 program year brings a lower annual out-of-pocket ceiling for Part D spending and a higher maximum allowable deductible.
How many stand-alone Part D plans are offered in Michigan for 2027?
Michigan has 11 stand-alone Medicare Part D plans from 6 insurers for 2027, compared with 12 plans from 6 insurers in 2026 — a net decrease of one plan statewide. Because Michigan is one CMS Part D region, each of those 11 plans is available to any Medicare beneficiary in the state.
One national carrier is new to Michigan's stand-alone market for 2027: Blue Cross and Blue Shield of IL, NM, OK, TX. One carrier that offered stand-alone plans in Michigan in 2026, HealthSpring, is not offering them in 2027. The overall number of participating insurers stayed at 6.
Which insurers offer stand-alone Part D plans in Michigan for 2027?
Six insurers offer Michigan's 11 stand-alone Part D plans in 2027. Listed alphabetically, with their 2027 Michigan plan counts from the CMS Landscape file:
- Aetna Medicare — 1 plan
- Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan
- Blue Cross Blue Shield of Michigan — 2 plans
- Humana — 3 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
This list is not a ranking. Premiums, deductibles, copays, drug lists (formularies), pharmacy networks and star ratings vary by plan and are not compared here; those details live on the Medicare Plan Finder at medicare.gov and in each plan's own documents.
What do the 2027 Part D out-of-pocket cap and deductible limit mean in Michigan?
In 2027, no Michigan enrollee will pay more than $2,400 out of pocket for covered Part D drugs in the calendar year, and no Part D plan may charge a deductible higher than $700. The out-of-pocket cap is $300 lower than the 2026 figure of $2,100 — a change set by federal law and applied the same way nationwide.
The cap is a ceiling, not a target: once a plan member's out-of-pocket spending on covered drugs reaches $2,400 in 2027, they pay $0 for covered drugs for the rest of the year. The $700 deductible figure is a maximum; individual plans may set a lower deductible, or none at all, on some or all drug tiers. Check the specific plan's Summary of Benefits on medicare.gov for its actual deductible and tier structure.
CMS also publishes the Part D base beneficiary premium, which is $41.33 for 2027. That national figure is used to calculate the Part D late-enrollment penalty; it is not the premium of any particular plan.
Which Michigan stand-alone plans can full Extra Help enrollees join with no premium in 2027?
In Michigan, 1 stand-alone Part D plan qualifies as a benchmark plan for 2027 — meaning a person who receives the full federal Extra Help (Low-Income Subsidy) can enroll in it with no monthly plan premium. In 2026, Michigan had 3 such benchmark plans.
Extra Help is the federal program that lowers Part D premiums, deductibles and copays for people with limited income and resources. Full Extra Help enrollees who are currently in a plan that is no longer benchmark for 2027 may be reassigned by CMS or may choose a different plan. To apply for Extra Help or check eligibility, contact the Social Security Administration or visit medicare.gov.
How does stand-alone Part D in Michigan compare with drug coverage in Medicare Advantage?
A stand-alone Part D plan (sometimes called a PDP) covers prescription drugs only and pairs with Original Medicare. Michigan's 11 PDPs for 2027 are what this article counts. Most Medicare Advantage plans include prescription drug coverage built in (MA-PD plans), and that drug coverage is not part of the 11-plan PDP count.
A person generally chooses one path or the other for drug coverage: Original Medicare plus a stand-alone PDP, or a Medicare Advantage plan that includes drugs. Joining a stand-alone PDP while enrolled in most Medicare Advantage plans can cause disenrollment from the MA plan. The Medicare Plan Finder at medicare.gov shows both types side by side.
How can Michigan shoppers check a plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at medicare.gov lets any Michigan resident enter their ZIP code and current prescriptions and see which 2027 stand-alone Part D plans cover those drugs, at which tier, and at which network pharmacies. The tool also shows each plan's premium, deductible and estimated yearly drug cost.
A few things worth confirming for 2027 before Annual Enrollment closes on December 7, 2026:
- Each regular medication appears on the plan's 2027 formulary at a tier the enrollee can live with.
- The pharmacies the enrollee actually uses — including any preferred mail-order pharmacy — are in the plan's 2027 network.
- Any prior authorization, step therapy or quantity-limit rules on specific drugs are understood.
Plan documents (the Evidence of Coverage, Annual Notice of Change and Summary of Benefits) from the insurer are the authoritative source for these details.
Where can Michigan residents get free help with Part D for 2027?
Free, unbiased help is available from Medicare itself. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week, or use the Medicare Plan Finder and plan-comparison tools at medicare.gov. Both are run by CMS and cover every stand-alone Part D plan offered in Michigan for 2027.
The Social Security Administration announced a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027; that COLA is separate from Part D plan choices but may affect household budgets at the same time Annual Enrollment decisions are being made.
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.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
How many stand-alone Medicare Part D plans are offered in Michigan for 2027?
What is the Medicare Part D out-of-pocket cap for 2027?
When is Medicare Open Enrollment for 2027 coverage?
How many Michigan Part D plans can a person with full Extra Help join with no monthly premium in 2027?
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Landscape Source Files (2027 and 2026): Michigan stand-alone Part D plan counts, insurer counts, new and exiting insurers, and the number of benchmark plans for full Extra Help enrollees.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 Part D out-of-pocket cap of $2,400, the $700 maximum allowable deductible, and the $41.33 base beneficiary premium.
- Medicare.gov — Medicare enrollment periods: Annual Enrollment dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.