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HomeMedicare SupplementMichiganMedigap in Michigan for 2027: 28 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Michigan for 2027: 28 Insurers and the Plans They Sell

DETROIT — For Michiganders pairing Original Medicare with a supplement for 2027, the Medicare.gov Medigap policy search lists 28 insurers for ZIP code 48201, selling the federal standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N. The Annual Enrollment Period for Medicare runs October 15 through December 7, 2026, and choices made during that window take effect January 1, 2027. Medigap itself has its own enrollment rules that run on a different clock, which is where many Michigan households get tripped up.

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Key takeaways

  • Medicare.gov's Medigap policy search lists 28 insurers in ZIP code 48201, offering plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N.
  • The best time to buy a Medigap policy is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
  • Michiganders in a Medicare Advantage plan that is not returning for 2027 — 39 such plans statewide — get a federal guaranteed-issue right to buy certain Medigap policies.
  • Medigap does not include prescription coverage, so a separate Part D plan is chosen during Annual Enrollment, October 15 – December 7, 2026.
Medicare SupplementMichigan
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Michigan
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Michigan?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance and copayments. It is sold by private insurers using plan designs standardized by the federal government and labeled with letters.

Medicare Advantage (Part C) is a different product: it replaces the way you get Original Medicare, often bundles drug coverage, and uses plan networks. You cannot use a Medigap policy with a Medicare Advantage plan. In Michigan, as in other states, people choose one path or the other for how their Medicare is delivered, and Medigap sits on the Original Medicare path.

Which insurers and Medigap plan letters are listed for Michigan in 2027?

Medicare.gov's Medigap policy search lists 28 insurers for ZIP code 48201, and across those insurers the plan letters offered are A, B, C, D, F, F-HD, G, G-HD, K, L and N. What any individual sees can differ by ZIP code and by age, sex and tobacco use, and Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

The insurers listed, with the plan letters shown for each, are:

Because the letters are standardized federally, Plan G from one Michigan insurer covers the same federally defined benefits as Plan G from another; what can differ between insurers is price, customer service and underwriting practices.

When is the Medigap Open Enrollment Period in Michigan and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During that window a Michigan resident can buy any Medigap policy sold in the state without medical underwriting — the insurer cannot deny coverage or charge more based on health history.

Outside that window, insurers in most situations can use medical underwriting to decide whether to sell you a policy and at what price. That is why the six-month window matters so much: it is the one period where health status does not change your options.

What happens if my Medicare Advantage plan leaves Michigan for 2027?

According to CMS Landscape files, 39 Medicare Advantage plans offered in Michigan in 2026 will not be offered anywhere in the state in 2027. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans, meaning insurers must sell them specified policies without medical underwriting within set timeframes.

Guaranteed-issue rights also apply in other situations defined by federal rule, such as losing certain kinds of employer or union coverage. Medicare.gov lists which Medigap plan letters are available under each guaranteed-issue scenario and how long the window lasts.

Does Medigap in Michigan cover prescription drugs?

No. Medigap policies sold today do not include prescription drug coverage, so Michiganders on Original Medicare who want drug coverage enroll in a stand-alone Medicare Part D plan separately. The Annual Enrollment Period to pick or change a Part D plan for 2027 is October 15 through December 7, 2026, with coverage effective January 1, 2027.

Nationally, the Part D out-of-pocket cap is $2,400 in 2027 (up from $2,100 in 2026), the maximum Part D deductible any plan may charge in 2027 is $700, and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027. Individual plan premiums are set plan by plan.

How do I compare Medigap policies in Michigan?

Start on Medicare.gov's Medigap policy search, which lets you enter your ZIP code and see the insurers and standardized plan letters available in your area. Because the benefits inside each letter are identical across insurers, comparison shopping largely comes down to price, the insurer's customer service and billing practices, and how the insurer handles rate increases over time.

Request the official outline of coverage from any insurer you are considering, and ask how premiums are structured (for example, how they may change as you age). Insurers' own documents, 1-800-MEDICARE and Medicare.gov are the authoritative sources for benefits, pricing structure and company information.

Where can Michiganders get free help with Medicare for 2027?

Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048) are the two no-cost official starting points, available 24 hours a day, seven days a week. The Medicare Plan Finder on Medicare.gov is also where you compare Part D and Medicare Advantage plans side by side.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets had not been announced at publication; CMS typically releases those figures in the fall.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

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.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

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

Can a Michigan insurer turn me down for a Medigap policy because of my health?
During your six-month Medigap Open Enrollment Period — which begins when you are 65 or older and enrolled in Part B — insurers in Michigan cannot deny you a policy or charge more based on health. Outside that window, and outside federally defined guaranteed-issue situations, insurers can generally use medical underwriting.
Are Plans C and F still available to new Michigan enrollees in 2027?
Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020. People who were eligible before that date may still be able to buy them if an insurer offers them; the Medicare.gov Medigap policy search for your ZIP code shows what is listed.
Do I need a separate Part D plan if I buy Medigap in Michigan?
Yes, if you want prescription drug coverage. Medigap policies sold today do not include Part D, so Michiganders on Original Medicare enroll in a stand-alone Part D plan during Annual Enrollment, October 15 – December 7, 2026, for coverage starting January 1, 2027.
What should I do if my Michigan Medicare Advantage plan is not returning in 2027?
You have a federal guaranteed-issue right to buy certain Medigap plans without medical underwriting within set timeframes. Call 1-800-MEDICARE or visit Medicare.gov to confirm which Medigap plan letters you can buy under that right and how long your window lasts.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the 28 insurers and plan letters listed for ZIP code 48201.
  • CMS Landscape Source File: the count of 39 Medicare Advantage plans offered in Michigan in 2026 and not offered anywhere in the state in 2027.
  • Medicare.gov: Annual Enrollment Period dates, Medigap Open Enrollment Period rules, guaranteed-issue rights, and the 2027 Part D out-of-pocket cap, maximum deductible and base beneficiary premium.
  • 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.

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