Medicare in Michigan: 2026 Plans, Costs, and Enrollment Guide

Michigan Medicare Snapshot

Michigan has a balanced, mid-size Medicare market — 128 MA plans from 20 carriers covering 83 of 84 counties for 2026 (CMS CY2026 Landscape). Michigan's plan mix leans PPO and HMO-POS: 45 PPO, 25 HMO-POS, 17 HMO D-SNP, 14 HMO, and 7 HMO C-SNP plans — reflecting both the dense suburban networks around Detroit and the geographically dispersed Upper Peninsula and northern Lower Peninsula markets.

The average consolidated MA premium is $24.65/month (median $0.20) — most Michigan beneficiaries can find at least one $0-premium plan. The standard Medicare Part B premium is $202.90/month in 2026. On the supplement side, Michigan has 44 carriers offering Plan G — among the widest Plan G availability nationally — with attained-age premium structures (rates rise with age).

Plan Types Available in Michigan

Medicare Advantage (Part C)

In Michigan, 128 MA plans are available for 2026 from 20 carriers (CMS CY2026 Landscape). Plan type mix: 45 PPO, 25 HMO-POS, 17 HMO D-SNP (dual-eligible special needs), 14 HMO, and 7 HMO C-SNP (chronic condition special needs). PPOs lead the market, which works well for beneficiaries who want broader provider choice across the state.

County availability ranges from 103 MA plans in Oakland County (Detroit suburbs) to 12 plans in Mackinac County (Upper Peninsula). Top carriers by plan count: Humana (24 plans), UnitedHealthcare (15 plans), and Aetna Medicare (14 plans).

Medigap (Medicare Supplement)

Michigan has 44 carriers offering Plan G in the TPP rate database (TPP rate DB, CY2026) — among the strongest Plan G availability of any state. The full set of 12 federally standardized plan letters (A through N, plus high-deductible variants HDG and HDF) is available statewide under standard federal rules. Michigan uses attained-age rating — premiums increase as you age — which differs from issue-age or community-rated states.

Plan F is closed to new enrollees as of January 1, 2020 under MACRA / the 21st Century Cures Act; the same closure applies to High-Deductible Plan F (HDF) — only beneficiaries who became Medicare-eligible before January 1, 2020 may still purchase Plan F or HDF. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered in Michigan by 35 carriers. See our MA vs Medigap comparison →

Standalone Part D (Prescription Drug Plans)

Michigan is CMS PDP Region 13 — Michigan alone. For 2026, there are 12 standalone PDP plans from 6 carriers. Average total premium is $42.02/month (CMS CY2026 Landscape).

Costs in Michigan

Medicare Advantage Premiums

The average consolidated MA premium in Michigan is $24.65/month (median $0.20) (CMS CY2026 Landscape). The standard Medicare Part B premium is $202.90/month in 2026.

The top three carriers by plan count are Humana (24 plans), UnitedHealthcare (15 plans), and Aetna Medicare (14 plans) (CMS CY2026 Landscape). Average star rating is 3.76.

Medigap Premiums — Plan G and HDG

Medigap premiums in Michigan vary by carrier, age, gender, tobacco use, and rating method (attained-age in Michigan, so rates rise with age). Across the 44 carriers offering Plan G in Michigan (non-tobacco rates, ages 65–85), monthly premiums range from approximately $113 to $728/month (TPP rate database, CY2026).

High-Deductible Plan G (HDG) is offered by 35 Michigan carriers; premiums range from approximately $122 to $677/month across ages 65–85, non-tobacco rates (TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the $2,950 deductible (2026).

Part D Costs and the LIS Benchmark

For 2026, Michigan Part D premiums average $42.02/month across 12 standalone PDP plans. The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for PDP Region 13 (Michigan) is $8.75/month — one of the lowest benchmarks in the country (CMS CY2026 Regional Rates and Benchmarks).

Michigan-Specific Medicare Rules

Michigan Medigap Protections

Michigan follows standard federal Medigap rules. You have a 6-month Medigap Open Enrollment Period that starts the month you are both 65 or older and enrolled in Medicare Part B. During this guaranteed-issue window, insurers cannot deny you coverage or charge higher premiums based on your health history.

After this window closes, medical underwriting applies and coverage is not guaranteed. Michigan does not have a Birthday Rule or other annual switch right. Enrolling in Medigap during the initial Open Enrollment Period is especially important. Michigan uses attained-age rating, meaning premiums increase as you age — when comparing carriers, ask for both the current premium and a projection over 5–10 years.

Medicare Savings Programs (MSPs)

Michigan offers Medicare Savings Programs (MSPs) administered by the Michigan Department of Health and Human Services (MDHHS):

• QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
• SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
• QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.

Apply through your local MDHHS office or contact Michigan MMAP (1-800-803-7174) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →

Michigan MMAP

Michigan MMAP (Medicare/Medicaid Assistance Program) provides free, unbiased counseling on all Medicare options statewide through a network of trained volunteers operated by the Area Agencies on Aging Association of Michigan.

Phone: 1-800-803-7174
Website: https://www.michigan.gov/mmap

Enrolling in Medicare in Michigan

Standard Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
• Annual Election Period (AEP): October 15 – December 7 each year.
• Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
• Medigap Open Enrollment Period: 6-month guaranteed-issue window starting when you are 65+ and enrolled in Part B. After this window, medical underwriting applies (Michigan has no Birthday Rule).
• Special Enrollment Periods (SEPs): Learn more →

Michigan MMAP Counseling

Contact MMAP at 1-800-803-7174 for free one-on-one Medicare guidance statewide.

Frequently Asked Questions