Medicare Advantage plans in Bay County, MI: what changed for 2027
For 2027, Bay County in Michigan has 37 Medicare Advantage plans that include drug coverage, compared with 44 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage37-7 from 2026
Advantage plans without drug coverage8no change
Special Needs Plans21+1 from 2026
$0 premium plans with drug coverage21-3 from 2026
Median out-of-pocket limit$5,9002026: $5,650
Plans rated 4 stars or more22-6 from 2026
12 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 5 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 18,727 of the 29,316 people eligible for Medicare in Bay County were enrolled in a Medicare Advantage or other Medicare health plan, 63.9%. A year earlier it was 18,198 of 28,873 (63.0%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (37)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC MI-0001 (PPO) | UnitedHealthcare | PPO | $0 | $7,150 | 3 of 5 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $5,900 | Plan Too New To Be Measured |
| Aetna Medicare Signature (HMO-POS) | Aetna Medicare | HMO-POS | $0 | $6,350 | 3.5 of 5 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | $5,200 | 4 of 5 |
| HAP Medicare Connect (HMO) | Health Alliance Plan by Henry Ford Health | HMO | $0 | $5,600 | 4 of 5 |
| HAP Medicare Explore (PPO) | Health Alliance Plan by Henry Ford Health | PPO | $0 | $6,050 | 3.5 of 5 |
| HAP Medicare Prime (PPO) | Health Alliance Plan by Henry Ford Health | PPO | $0 | $6,400 | 3.5 of 5 |
| HAP Medicare Superior (HMO) | Health Alliance Plan by Henry Ford Health | HMO | $0 | $5,800 | 4 of 5 |
| Humana Full Access (PPO) | Humana | PPO | $0 | $5,200 | 4 of 5 |
| Humana Full Access (PPO) | Humana | PPO | $0 | $5,200 | 4.5 of 5 |
| Humana Full Access Giveback (PPO) | Humana | PPO | $0 | $9,850 | 4 of 5 |
| Humana Full Access Giveback (PPO) | Humana | PPO | $0 | $9,850 | 4.5 of 5 |
| Humana Value Plus H5216-382 (PPO) | Humana | PPO | $0 | $9,850 | 4 of 5 |
| McLaren Medicare Inspire (HMO) | McLaren Medicare | HMO | $0 | $6,600 | 3 of 5 |
| McLaren Medicare Inspire Giveback (HMO) | McLaren Medicare | HMO | $0 | $6,750 | 3 of 5 |
| Medicare Plus Blue Value (PPO) | Blue Cross Blue Shield of Michigan | PPO | $0 | $6,750 | 4.5 of 5 |
| PriorityMedicare Latitude (HMO-POS) | Priority Health Medicare | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| PriorityMedicare Smart Savings (HMO-POS) | Priority Health Medicare | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| Wellcare Assist (HMO-POS) | Wellcare | HMO-POS | $0 | $7,100 | 3 of 5 |
| Wellcare Giveback (HMO-POS) | Wellcare | HMO-POS | $0 | $9,850 | 3 of 5 |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $7,100 | 3 of 5 |
| HAP Member Assist (PPO) | Health Alliance Plan by Henry Ford Health | PPO | $6.30 | $5,600 | 3.5 of 5 |
| McLaren Medicare Inspire Plus (HMO) | McLaren Medicare | HMO | $20.00 | $5,900 | 3 of 5 |
| Humana Full Access (PPO) | Humana | PPO | $41.00 | $4,800 | 4 of 5 |
| Medicare Plus Blue + Meijer (PPO) | Blue Cross Blue Shield of Michigan | PPO | $45.00 | $6,750 | 4.5 of 5 |
| AARP Medicare Advantage from UHC MI-0002 (PPO) | UnitedHealthcare | PPO | $70.00 | $5,900 | 3 of 5 |
| PriorityMedicare Value (HMO-POS) | Priority Health Medicare | HMO-POS | $74.00 | $6,000 | 4.5 of 5 |
| Humana Full Access R0110-014 (Regional PPO) | Humana | Regional PPO | $89.00 | $7,050 | 3.5 of 5 |
| PriorityMedicare (HMO-POS) | Priority Health Medicare | HMO-POS | $97.00 | $5,100 | 4.5 of 5 |
| Medicare Plus Blue Vitality (PPO) | Blue Cross Blue Shield of Michigan | PPO | $100.00 | $5,000 | 4.5 of 5 |
| HAP Senior Plus (HMO-POS) | Health Alliance Plan by Henry Ford Health | HMO-POS | $105.00 | $4,650 | 4 of 5 |
| BCN Advantage Classic (HMO-POS) | Blue Care Network | HMO-POS | $138.00 | $4,800 | 4.5 of 5 |
| PriorityMedicare Merit (PPO) | Priority Health Medicare | PPO | $141.00 | $5,000 | 4 of 5 |
| HAP Senior Plus (PPO) | Health Alliance Plan by Henry Ford Health | PPO | $165.00 | $4,450 | 3.5 of 5 |
| Medicare Plus Blue Signature (PPO) | Blue Cross Blue Shield of Michigan | PPO | $168.00 | $4,300 | 4.5 of 5 |
| BCN Advantage Prestige (HMO-POS) | Blue Care Network | HMO-POS | $248.00 | $4,400 | 4.5 of 5 |
| Medicare Plus Blue Assure (PPO) | Blue Cross Blue Shield of Michigan | PPO | $299.30 | $4,000 | 4.5 of 5 |
Advantage plans without drug coverage for 2027 (8)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) | UnitedHealthcare | PPO | Not listed | $6,700 | 3 of 5 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $6,700 | Plan Too New To Be Measured |
| Aetna Medicare Eagle (PPO) | Aetna Medicare | PPO | Not listed | $5,200 | 4 of 5 |
| BCN Advantage Elements (HMO-POS) | Blue Care Network | HMO-POS | Not listed | $4,500 | 4.5 of 5 |
| HAP Medicare MedicalAccess (HMO) | Health Alliance Plan by Henry Ford Health | HMO | Not listed | $4,500 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,550 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,550 | 4.5 of 5 |
| HumanaChoice R0110-013 (Regional PPO) | Humana | Regional PPO | Not listed | $6,550 | 3.5 of 5 |
Special Needs Plans for 2027 (21)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Humana Dual Select H5216-385 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | Humana | PPO C-SNP · Chronic or Disabling Condition | $0 | $6,950 | 4 of 5 |
| HumanaChoice SNP-DE H5216-388 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Premier Care (HMO-POS I-SNP) | Align Senior Care | HMO-POS I-SNP · Institutional | $0 | $6,000 | 4 of 5 |
| UHC Complete Care MI-5 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $5,900 | Plan Too New To Be Measured |
| UHC Complete Care Support MI-3 (PPO C-SNP) | UnitedHealthcare | PPO C-SNP · Chronic or Disabling Condition | $0 | $7,150 | 3 of 5 |
| UHC Dual Advantage MI-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $7,150 | 3 of 5 |
| UHC Dual Complete MI-Q1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Dual Complete MI-S3 (HMO D-SNP) | UnitedHealthcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Meridian Health Dual Access (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Meridian Health Dual Liberty (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | Plan Too New To Be Measured |
| PriorityMedicare D-SNP (HMO D-SNP) | Priority Health Medicare | HMO D-SNP · Dual-Eligible | $0.20 | $9,850 | 3.5 of 5 |
| Molina Medicare Complete Care (HMO D-SNP) | Molina Healthcare of Michigan | HMO D-SNP · Dual-Eligible | $0.90 | $9,850 | 3.5 of 5 |
| HAP Medicare Complete Assist (PPO D-SNP) | Health Alliance Plan by Henry Ford Health | PPO D-SNP · Dual-Eligible | $6.30 | $9,850 | 3.5 of 5 |
| HAP Medicare Complete Duals (HMO D-SNP) | Health Alliance Plan by Henry Ford Health | HMO D-SNP · Dual-Eligible | $6.30 | $9,850 | 4 of 5 |
| HAP Medicare Diabetes and Heart (HMO C-SNP) | Health Alliance Plan by Henry Ford Health | HMO C-SNP · Chronic or Disabling Condition | $6.30 | $9,850 | 4 of 5 |
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP · Institutional | $6.30 | $9,850 | 5 of 5 |
| Senior Care (HMO I-SNP) | Align Senior Care | HMO I-SNP · Institutional | $6.30 | $9,850 | 4 of 5 |
| UHC Dual Complete MI-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $6.30 | $9,850 | 4.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see Michigan drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.