Medicare Advantage HMO plans in Michigan
There are 97 Medicare Advantage HMO plans in Michigan from 17 carriers, averaging 3.91 out of 5 stars across the 86 plans CMS has rated. 52% of those with a published premium charge $0 a month (51 of 97); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 97 HMO plans in Michigan that publish one, the in-network out-of-pocket maximum has a median of $6,750 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,281, which sits above the median — the spread is not symmetric, so the median is the better guide.
Michigan has 1 five-star Medicare Advantage HMO plan.
Of the 97 HMO plans here, 1 carry CMS's top overall rating of 5 stars and 48 rate 4 or above. That matters beyond quality: a 5-star plan can be joined at almost any point in the year through a special enrollment period, rather than only during the autumn window.
Michigan HMO plans rank 10th of 49 on star rating.
Across the 86 rated plans here the average overall rating is 3.91 stars, 10th highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated HMO plans in Michigan
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Longevity Health Plan (HMO I-SNP)Longevity Health Plan · Institutional SNP | 5★ | $9,850 | $6.30 |
| BCN Advantage Prestige (HMO-POS)Blue Care Network | 4.5★ | $4,400 | $282 |
| BCN Advantage Elements (HMO-POS)Blue Care Network | 4.5★ | $4,500 | $0 |
| BCN Advantage Classic (HMO-POS)Blue Care Network | 4.5★ | $4,800 | $117 |
| BCN Advantage ConnectedCare (HMO)Blue Care Network | 4.5★ | $4,800 | $50 |
Showing 5 of 97. See all MichiganMedicare Advantage plans →
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Priority Health MedicareCorewell Health | 26 | 4.3 | 5 |
| Blue Care NetworkBlue Cross Blue Shield of Michigan Mutual Ins. Co. | 16 | 4.5 | — |
| Health Alliance Plan by Henry Ford HealthHenry Ford Health System | 8 | 4.0 | 2 |
| UnitedHealthcareUnitedHealth Group, Inc. | 8 | 3.0 | 6 |
| Zing HealthZing Health Consolidator, Inc | 7 | 3.5 | 5 |
| WellcareCentene Corporation | 6 | 3.0 | 3 |
| Aetna MedicareCVS Health Corporation | 4 | 3.5 | 2 |
| HumanaHumana Inc. | 4 | 3.5 | 3 |
| Trinity Health Plan of MichiganTrinity Health Corporation | 4 | 3.0 | — |
| McLaren MedicareMcLaren Health Care Corporation | 3 | 3.0 | — |
| Molina Healthcare of MichiganMolina Healthcare, Inc. | 3 | 3.5 | 3 |
| Align Senior CareCurana Health Holdings, LLC | 2 | 4.0 | 2 |
How HMO compares
States with similar HMO star ratings
Michigan Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Michigan?
What are the star ratings for Michigan HMO plans?
How many Medicare Advantage HMO plans are available in Michigan?
Do Michigan HMO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in Michigan?
A $0 premium is not the whole cost.
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