Nearly 2.3 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.
» MORE: Medicare vs. Medicare Advantage: Which should I choose?
Why trust NerdWallet
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
Governed by NerdWallet's strict guidelines for editorial integrity.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
Compare the best Medicare Advantage plans in Michigan
Insurance company | CMS star rating | States available | Members in high-rated plans | Member experience | Learn more | |
|---|---|---|---|---|---|---|
BEST FOR SIZE OF NETWORK | ||||||
4.10 | 4.10/5 | 48 states and Washington, D.C. | Medium (50% to 84%) | 3.76 (Above average) | (855) 821-0556 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
BEST FOR PART B GIVEBACK | ||||||
3.61 | 3.61/5 | 46 states and Washington, D.C. | Low (49% or less) | 3.61 (Above average) | from Humana | |
BEST FOR RATINGS | ||||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on http://askchapter.org on NerdWallet | 4.19 | 4.19/5 | 43 states and Washington, D.C. | Medium (50% to 84%) | 3.88 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on http://askchapter.org on NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.97 | 3.97/5 | 47 states, Washington, D.C., and Puerto Rico | Medium (50% to 84%) | 3.85 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
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 2026 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.
4-star plans
The companies below offer plans in Michigan that are rated 4 stars out of 5 by CMS:
HAP Senior Plus.
Priority Health Medicare.
Trinity Health Plan of Michigan.
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.
- See all Medicare Advantage providers in Michigan.
Aetna.
Blue Care Network.
Blue Cross Blue Shield of Michigan.
HAP Senior Plus.
Humana.
McLaren Medicare.
Paramount Elite Medicare Plans.
Priority Health Medicare.
Trinity Health Plan of Michigan.
UnitedHealthcare.
Zing Health.
» MORE: Best Medicare Advantage plans
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 2026 for a Medicare Advantage plan in Michigan is $16.56. (It was $15.88 in 2025.)
There are 192 Medicare Advantage plans available in Michigan in 2026. (There were 201 plans in 2025.)
All Medicare-eligible people in Michigan have access to a $0-premium Medicare Advantage plan.
Third-party ratings
J.D. Power releases an annual study measuring member satisfaction with Medicare Advantage plans. It uses eight factors, such as level of trust, ability to get health services, ease of doing business and resolving problems or complaints.
In Michigan, these Medicare Advantage providers scored above the regional average (647 points) on measures of member satisfaction (based on a 1,000-point scale):
Blue Cross Blue Shield of Michigan (675 points).
HAP Senior Plus (660 points).
Priority Health Medicare (656 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.
More Nerdy Perspective
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 Humana. However, not every plan from these companies gets high ratings. And a high rating alone doesn’t make a plan the right fit for you. Think about your coverage needs, doctors and prescriptions when you compare your options.
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?
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Looking for more insurance in Michigan? Check out these resources:
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Fact Sheet. Accessed Oct 22, 2025.
- 2.Centers for Medicare & Medicaid Services. CY2026 Landscape (202509) (ZIP). Accessed Oct 22, 2025.
- 3.U.S. Census Bureau. Types of Health Insurance Coverage by Age. Accessed Oct 22, 2025.
- 4.J.D. Power. Medicare Advantage Plan Member Satisfaction Facing Headwinds; Digital Innovation an Emerging New Solution, J.D. Power Finds. Accessed Oct 22, 2025.
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’s editorial team reviewed 25 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 each of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in every state where Medicare Advantage plans are sold, and includes the top two insurers in 40 of those 49 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.