How many Medicare beneficiaries are in Michigan?

Michigan has approximately 2.2M Medicare beneficiaries. Roughly 58% are enrolled in Medicare Advantage plans, with the balance on Original Medicare — often paired with a Medigap plan and a standalone Part D drug plan.

When is Michigan Medicare enrollment?

The Annual Enrollment Period (AEP) runs October 15 through December 7 each year, with changes effective January 1. The Medicare Advantage Open Enrollment Period (MA OEP) runs January 1 through March 31. New-to-Medicare beneficiaries use their 7-month Initial Enrollment Period around their 65th birthday.

Is Medigap available in Michigan?

Yes. Michigan has all federal Medigap letter plans (A, B, D, G, K, L, M, N, and high-deductible G and F for those eligible) available from multiple carriers. Medical underwriting typically applies outside your one-time 6-month Medigap Open Enrollment window, so timing matters.

Michigan · Medicare · 2026 plan year

Michigan Medicare plans for 2026.

Q: What are the top Medicare Advantage carriers in Michigan?

Leading Medicare Advantage carriers in Michigan include Blue Cross Blue Shield of Michigan, Humana, UnitedHealthcare (AARP), Aetna, Priority Health, Health Alliance Plan (HAP), and Molina Healthcare. Plan availability and network depth vary by county.

Michigan has approximately 2.2M Medicare beneficiaries — about 58% on Medicare Advantage, the rest on Original Medicare. We compare Medicare Advantage, Medigap, and Part D options from Blue Cross Blue Shield of Michigan, Humana, UnitedHealthcare (AARP), Aetna, Priority Health, Health Alliance Plan (HAP), and Molina Healthcare.

Talk to a licensed Michigan Medicare advisor Medicare basics Browse plans yourself

2.2M

Michigan Medicare beneficiaries

~58%

on Medicare Advantage in MI

All 83

Michigan counties served

Carriers pay us — never you

Want to enroll yourself? Compare Michigan Medicare plans online.

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The core decision

Medicare Advantage vs. Medigap in Michigan

For most Michiganders, the choice between Medicare Advantage (Part C) and Original Medicare plus a Medigap (Supplement) plan is the biggest decision you'll make.

Medicare Advantage in Michigan

Bundles Part A, Part B, and usually Part D into a private plan. Most Michigan metros offer competitive $0-premium plans with dental, vision, hearing, OTC, and transportation benefits.

Most Michigan MA plans are HMOs with local networks including Henry Ford Health, Corewell Health (Beaumont/Spectrum), Trinity Health Michigan, McLaren, Michigan Medicine (U-M), Bronson. We verify your doctors before enrolling.

Medigap in Michigan

Pairs with Original Medicare and covers the deductibles, coinsurance, and copays Medicare doesn't pay. Any doctor or hospital nationwide that accepts Medicare accepts Medigap — no networks.

Michigan Medigap premiums vary by ZIP and age, and carriers may medically underwrite outside your one-time 6-month Medigap Open Enrollment window.

Carriers

Top Medicare carriers in Michigan

Plan availability and network depth vary by county.

Blue Cross Blue Shield of Michigan

Michigan's dominant insurer. Deep statewide networks including Henry Ford Health, Beaumont (Corewell), Spectrum Health, McLaren, Trinity Health (Saint Joseph Mercy). Strong Medicare Advantage and Medigap presence.

Priority Health

West Michigan-rooted (Grand Rapids), part of Corewell Health. Strong Medicare Advantage presence across Western and Central Michigan, often top-rated in CMS Star Ratings.

Humana, Aetna & UnitedHealthcare

All three national carriers offer competitive Medicare Advantage and Part D plans across Michigan, with UnitedHealthcare's AARP-branded Medigap plans being a popular choice for Michigan seniors.

Health Alliance Plan (HAP) & Molina

HAP is Detroit-area headquartered and integrated with Henry Ford Health. Molina has a growing Michigan Part D and D-SNP footprint.

Part D

Part D prescription coverage in Michigan

Under the Inflation Reduction Act, 2026 Part D caps out-of-pocket drug costs at $2,100 per year and eliminates the old "donut hole."

Every Michigan Medicare beneficiary needs prescription drug coverage (or creditable alternative coverage) to avoid the Part D late enrollment penalty. Michigan has dozens of standalone Part D plans plus drug coverage bundled into most MA-PD plans.

Formulary check: The same medication can land in very different tiers across plans. We run your drug list against every Part D plan in your ZIP.
Preferred pharmacy: Many Michigan Part D plans offer lower copays at preferred pharmacies (CVS, Walgreens, Meijer, Walmart, Kroger, Costco, Rite Aid). Which pharmacy you prefer can change which plan is cheapest.
Extra Help / LIS: Michigan beneficiaries with limited income may qualify for the Low Income Subsidy that significantly reduces drug costs.

Timing

Medicare enrollment dates for Michigan

Annual Enrollment Period (AEP): October 15 – December 7. Change Medicare Advantage or Part D plans; changes effective January 1.
Medicare Advantage Open Enrollment (MA OEP): January 1 – March 31. One plan change allowed for members already in a Medicare Advantage plan.
Initial Enrollment Period (IEP): 7 months around your 65th birthday — 3 months before, your birthday month, and 3 months after.
Medigap Open Enrollment: 6 months from your Part B effective date — the one-time window when Michigan Medigap carriers cannot deny you or charge more for health reasons.
Special Enrollment Periods: Moving into Michigan, losing employer coverage, qualifying for Extra Help, or moving into or out of a nursing facility may each trigger a SEP.

Common questions

Michigan Medicare FAQ

Are there Michigan-specific Medicare rules?

Medicare is federal, so core rules match nationwide. What varies in Michigan is plan availability, network depth, Medigap pricing, and carrier mix.

Can I switch from Advantage to Medigap later?

Sometimes. Outside your one-time Medigap Open Enrollment window, Michigan Medigap carriers can medically underwrite — which means they can decline you or charge more for health conditions. We walk through your specific options carefully.

What if my doctor is at a different network?

We verify every doctor and hospital you want to keep against each plan's network before recommending anything. Networks like Henry Ford Health, Corewell Health (Beaumont/Spectrum), Trinity Health Michigan, McLaren, Michigan Medicine (U-M), Bronson are common in Michigan — but specifics vary plan by plan.

What does SilverEdge cost?

Nothing. Medicare carriers pay us a commission when you enroll. We earn the same regardless of which carrier you pick — our job is to find your best Michigan fit.

Coverage

Michigan counties we cover

All 83 Michigan counties. A few of the counties where we have the most active members:

Wayne (Detroit) Oakland Macomb Kent (Grand Rapids) Genesee (Flint) Washtenaw (Ann Arbor) Ingham (Lansing) Ottawa Kalamazoo Saginaw Muskegon Livingston Berrien Calhoun Jackson Allegan Bay Eaton Lapeer Monroe + 63 more

★★★★★

$1,680 / yr saved

on Medicare Advantage with Henry Ford network · Detroit, MI

"I needed to keep my Henry Ford cardiologist. SilverEdge found me a HAP plan that included Henry Ford and added dental, vision, and a $130/quarter OTC card I never knew Medicare plans offered."

James M.

Network-driven MA switch · Detroit, MI

Ready to compare Michigan Medicare plans?

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