Medicare AEP 2027 in Michigan — what to know.
Oct 15 - Dec 7, 2026. The Annual Enrollment Period is your once-a-year chance to switch Medicare Advantage plans, switch Part D drug plans, or move between Original Medicare and Medicare Advantage. Plans you choose during AEP take effect January 1, 2027.
Why this AEP matters in Michigan
Michigan has roughly 2.0M Medicare beneficiaries, of whom about 56% are enrolled in a Medicare Advantage plan. AEP is when their plans can change — and when you can change yours.
2027 plan changes in Michigan
Blue Cross Blue Shield of Michigan and Priority Health are the two dominant MA carriers statewide. Henry Ford Health's Medicare Advantage plan continues to grow in metro Detroit. Trinity Health and Spectrum Health (Corewell) network coverage varies by carrier — important if you have a preferred system.
Your AEP 2027 checklist for Michigan
Your current plan mailed an Annual Notice of Change (ANOC) in late September. It lists every benefit, copay, network, and drug change for 2027. Don't recycle it — read it.
Networks change every year. Confirm your primary care doctor and any specialists are still in-network for 2027 — directly with the plan, not just on the website.
Formularies (covered drug lists) change annually. A drug that was Tier 2 in 2026 may move to Tier 4 in 2027 — tripling your copay. Run your meds through the plan's 2027 formulary.
Don't just renew. Compare your current plan against at least 2 alternatives — including Original Medicare + Medigap if you've never considered it. Best plan in 2026 is rarely best in 2027.
The Part D out-of-pocket cap stays at $2,000 in 2027. If you take expensive drugs, that cap dramatically changes the math — many people who couldn't afford Eliquis or Jardiance in past years now can.
After Dec 7 you generally can't change your Medicare Advantage plan until next AEP — except for the limited Open Enrollment window (Jan 1 - Mar 31) which only allows one change.
Top Medicare Advantage carriers in Michigan
Blue Cross Blue Shield of Michigan, Priority Health, Humana, UnitedHealthcare/AARP, Aetna, HAP.
Michigan snowbirds in Florida often find that their BCBS of Michigan MA plan doesn't pair well with Florida providers. A Medigap plan or a true national PPO is usually a better choice for you.
Michigan metros we serve
We're licensed in all 50 states. Top MI markets:
- Detroit
- Grand Rapids
- Warren
- Sterling Heights
- Lansing
- Ann Arbor
- Flint
- Dearborn
- Livonia
- Westland
Western Michigan (Grand Rapids, Kalamazoo, Holland) has Priority Health as the dominant carrier. Eastern Michigan (Detroit, Ann Arbor) is more competitive among multiple carriers.
Free 14-minute Michigan plan comparison.
A licensed MI advisor compares your current plan against every MI alternative — including Original Medicare with Medigap. No cost. No pressure. No commission to you.
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