Best Medicare Advantage Plans in Michigan 2025
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More than 2.2 million people in Michigan are signed up for Medicare, making it one of the top 10 states in terms of Medicare beneficiaries.
Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private insurance companies. It offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.
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Compare the best Medicare Advantage plans in Michigan
Top-rated Medicare Advantage plans in Michigan
Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in Michigan for the 2025 plan year. (Check out more information about Medicare star ratings.)
5-star plans
The company below offers plans in Michigan that are rated 5 stars out of 5 by CMS:
4.5-star plans
The companies below offer plans in Michigan that are rated 4.5 stars out of 5 by CMS:
Blue Care Network.
Priority Health Medicare.
University of Michigan Health Plan.
4-star plans
The companies below offer plans in Michigan that are rated 4 stars out of 5 by CMS:
HAP Senior Plus.
Paramount Elite Medicare Plans.
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
December update
Medicare star ratings are typically released once per year, but CMS recalculated its 2025 star ratings for UnitedHealthcare and Centene companies in December 2024. Updates took place after multiple lawsuits from insurance companies alleging that CMS improperly calculated the 2025 star ratings. NerdWallet has updated this article accordingly.
What to know about Medicare Advantage in Michigan
Nearly 1 in 5 people in Michigan are 65 and older, and there are a variety of Medicare Advantage plans in the state.
The average monthly premium in 2025 for a Medicare Advantage plan in Michigan is $18.54. (It was $21.16 in 2024.)
There are 210 Medicare Advantage plans available in Michigan in 2025. (There were 201 plans in 2024.)
All Medicare-eligible people in Michigan have access to a $0-premium Medicare Advantage plan.
Third-party ratings
In its 2024 U.S. Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest Medicare markets, including Michigan.
In Michigan, these Medicare Advantage providers scored above the regional average (664 points) on measures of member satisfaction (based on a 1,000-point scale):
Priority Health Medicare (677 points).
Blue Cross Blue Shield of Michigan (676 points).
HAP Senior Plus (669 points).
Medicare resources in Michigan
Michigan Medicare Assistance Program (MMAP): Free service to get unbiased counseling about Medicare plan options, enrollment, coverage and more.
Department of Insurance and Financial Services: State website explaining basic Medicare information.
Area Agencies on Aging Association of Michigan: Provides information and advocates for older adults and people living with disabilities in Michigan.
💬 From our Nerds: What Medicare Advantage plans are rated the best in Michigan?
“UnitedHealthcare sells 5-star Medicare Advantage plans in Michigan in 2025, and you can find 4.5-star plans from Aetna, Blue Care Network, Blue Cross Blue Shield of Michigan, Priority Health and University of Michigan Health Plan.
“That said, not every plan from these companies gets high ratings, and even a plan with a high rating may not be the right fit for you. Compare your options and keep your doctors and prescriptions in mind.”
— Kate Ashford, lead writer covering Medicare
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Looking for more insurance in Michigan? Check out these resources:
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
This roundup includes only insurers that sell Medicare Advantage in Michigan.
