Michigan · 2026 plan year
Medicare Advantage HMO plans in Michigan
There are 114 Medicare Advantage HMO plans in Michigan from 19 carriers, averaging 3.85 out of 5 stars across the 107 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
114
HMO plans
19
Carriers
83
Counties covered
3.9
Avg stars (107 of 114 rated)
$6,463
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Michigan HMO plans rank 22nd of 49 on star rating.
Across the 107 rated plans here the average overall rating is 3.85 stars, 22nd 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.
Highest rated
Top-rated HMO plans in Michigan
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| BCN Advantage Prestige (HMO-POS)Blue Care Network | 4.5★ | $4,000 | $169.40 |
| BCN Advantage Classic (HMO-POS)Blue Care Network | 4.5★ | $4,400 | $60.80 |
| BCN Advantage ConnectedCare (HMO)Blue Care Network | 4.5★ | $4,400 | $41 |
| BCN Advantage Elements (HMO-POS)Blue Care Network | 4.5★ | $4,500 | $0 |
| PriorityMedicare (HMO-POS)Priority Health Medicare | 4.5★ | $4,500 | $10.70 |
Showing 5 of 114. See all MichiganMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Priority Health MedicareCorewell Health | 32 | 4.3 | 5 |
| Blue Care NetworkBlue Cross Blue Shield of Michigan Mutual Ins. Co. | 22 | 4.5 | — |
| HumanaHumana Inc. | 10 | 3.0 | 4 |
| HAP Senior PlusHenry Ford Health System | 8 | 4.0 | 2 |
| Zing HealthZing Health Consolidator, Inc | 6 | 2.5 | 4 |
| Aetna MedicareCVS Health Corporation | 5 | 3.0 | 2 |
| Trinity Health Plan of MichiganTrinity Health Corporation | 5 | 4.5 | — |
| WellcareCentene Corporation | 5 | 3.0 | 2 |
| UnitedHealthcareUnitedHealth Group, Inc. | 4 | 3.5 | 4 |
| McLaren MedicareMcLaren Health Care Corporation | 3 | 3.0 | — |
| Molina Healthcare of MichiganMolina Healthcare, Inc. | 3 | 3.0 | 3 |
| Paramount Elite Medicare PlansMEDICAL MUTUAL OF OHIO | 3 | 3.5 | — |
Other plan types in Michigan
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Michigan Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Michigan?
Of the Michigan HMO plans with a published premium, 70% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $6,463 across these plans.
What are the star ratings for Michigan HMO plans?
The 107 rated HMO plans in Michigan average 3.85 out of 5 stars, with 62 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Michigan?
There are 114 HMO plans from 19 carriers, sold across 83 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 34 of them are Special Needs Plans with extra eligibility rules (see below).
Do Michigan HMO plans include prescription drug coverage?
114 of the 114 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Michigan?
34 of the 114 HMO plans in Michigan are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
Simplivera models your actual annual costs across Michigan Medicare Advantage plans.
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