Best Cheap Medicare Advantage Plans in Michigan (2025)
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Priority Health has the best Medicare Advantage plans in Michigan for most people.
Priority Health's plans have cheap rates and high-quality ratings from the Centers for Medicare and Medicaid Services (CMS). University of Michigan Health Plan offers the best combination of quality rates and low prices overall, but it's only available in parts of central and eastern Michigan.
Blue Cross Blue Shield customers have access to the largest network of doctors in the nation, and the company also offers high-quality Medicare Advantage plans in Michigan.
ValuePenguin editors chose the best Medicare Advantage plans in MI by looking at cost, availability, coverage and service. Plan cost data represent an average figure for a 65-year-old who doesn't smoke, and who has a plan with prescription drug (Part D) benefits.
Read our full methodology.
Compare the best cheap Medicare Advantage plans in Michigan
Priority Health has the best Medicare Advantage plans in Michigan for most people.
Nearly everyone who lives in Michigan can get a Priority Health Medicare Advantage plan. Priority Health has a strong 4.5-out-of-5 star rating from CMS. On average, Priority Health Medicare Advantage plans are 17% cheaper than the Michigan state average.
Company | Average monthly cost | CMS star rating | |
|---|---|---|---|
| Blue Cross Blue Shield | $81 | 4.5 |
| Priority Health Medicare | $33 | 4.5 |
| University of Michigan Health System | $8 | 4.5 |
| Aetna Medicare | $43 | 4.3 |
| Henry Ford Health System | $39 | 4 |
Compare Medicare Plans in Your Area
The University of Michigan Health System offers high-quality, affordable care. However, the company only sells Medicare Advantage plans in certain parts of central and eastern Michigan north of the Detroit area.
HMO vs. PPO plans
Most Michigan Medicare Advantage companies offer multiple plan types, including HMO and PPO options.
- HMO plans typically have the cheapest rates, but these plans limit you to a network of doctors. You also need to choose a primary care doctor and get a referral before you can see a specialist.
- PPOs usually cost more each month. These plans let you see doctors who aren't in your network, but you'll pay more to do so. You don't need to choose a primary care doctor or get a referral before you see a specialist with a PPO.
Priority Health Medicare: Best overall
Priority Health has a strong reputation for customer satisfaction.
The PriorityMedicare Value HMO-POS is a good option for patients who have chronic health conditions like diabetes. The plan has a $0 in-network deductible and $0 copays, which means you can get care without paying.
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Star rating
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Monthly rate
$33 ?
Why it's great
- Priority Health's highly-rated plans are available to nearly everyone in Michigan, making it the best overall Medicare Advantage company in the state.
- Affordable average rates
- Plans come with extra benefits like fitness memberships, free meals and trips to your doctor.
- Both PPO and HMO plans are available
Priority Health offers common Medicare Advantage extras like free gym memberships, meal benefits and transportation to doctor appointments.
Priority Health's options go further than competitor plans. The Priority Health Travel Pass helps you get medical care and other services while traveling outside the state and abroad, from finding a pharmacy to locating lost luggage. Medicare Advantage plans with prescription drug coverage also include a free CogniFit membership, with exercises and challenges to keep your brain healthy.
Priority Medicare Value costs an average of $41 per month.
University of Michigan Health System: Best in Central Michigan
The University of Michigan Health System has high-quality coverage, a strong reputation for customer satisfaction and cheap costs. But, the company is only available to one in five people in Michigan.
The University of Michigan Health System sells plans in 17 counties, most of which are clustered in central and eastern Michigan north of Detroit.
Where you can get University of Michigan plans
- Bay
- Calhoun
- Clinton
- Eaton
- Gratiot
- Huron
- Ingham
- Ionia
- Jackson
- Kalamazoo
- Livingston
- Montcalm
- Saginaw
- Sanilac
- Shiawassee
- Tuscola
- Washtenaw
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Star rating
-
Monthly rate
$8 ?
Why it's great
- The University of Michigan Health System has a high 4.5 out of 5 CMS star rating
- The company gets significantly fewer complaints than an average company its size.
- Low limit on how much you spend for medical care each year
- Plans cost an average of $8 per month
The University of Michigan Health System has the best combination of quality coverage and low costs among Medicare Advantage companies in Michigan. The company has a high 4.5-out-of-5 star rating from CMS.
The University of Michigan Health System also has the lowest average monthly rate in the state, at $8 per month, on average. Plus, plans have a low average cap on how much you'll spend for medical care in a single year, called an out-of-pocket maximum, and all University of Michigan Medicare Advantage plans have a $0 drug deductible.
The University of Michigan Health System offers both plans that give you more freedom to choose your doctor, called PPO plans, and cheaper plans that have more restrictions, called HMO-POS Medicare Advantage plans. All of the PPO plans cost $0 per month, making the University of Michigan a good choice if you want affordable, flexible coverage.
Blue Cross Blue Shield of Michigan: Best Medicare Advantage network in Michigan
Blue Cross Blue Shield (BCBS) has the largest network of doctors and hospitals in the nation.
That makes BCBS a good choice if you live in Grand Rapids but travel to Detroit for work. It also makes sense if you want more choice when it comes to choosing your doctors. For example, a Blue Cross Blue Shield Medicare Advantage plan may come in handy if you have a complex medical issue that requires speciality care.
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Star rating
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Monthly rate
$81 ?
Why it's great
- Blue Cross Blue Shield customers have access to a large network of doctors and hospitals
- Plans have a high average star rating from the Centers for Medicare and Medicaid
The main drawback to Blue Cross Blue Shield is its expensive prices. Plans cost an average of $81 per month, which is more than twice the Michigan state average of $39 per month. Keep in mind BCBS also offers many $0-per-month plans, although these plans may have fewer benefits than more expensive plans.
All BCBS plans do have a $0 drug deductible and a low out-of-pocket maximum. That means a BCBS Medicare Advantage plan may save some money when you use your coverage.
Blue Cross Blue Shield sells HMO, PPO and HMO-POS plans. Most of the plans for sale in Michigan are PPO plans. Because PPO plans tend to cost more than other plan types, this may partially explain Blue Cross Blue Shield's high average rates.
Medicare Advantage in Michigan's Upper Peninsula
Aetna offers the best Medicare Advantage plan in Michigan's Upper Peninsula. In the Upper Peninsula, the company's plans are well-rated, with an average 4.5-out-of-5 stars. The company also charges an affordable average rate of $19 per month.
Michigan's Upper Peninsula has fewer plan options than the rest of the state. Only four health insurance companies sell plans in the Upper Peninsula, compared to 13 companies in Michigan as a whole.
- Aetna
- Blue Cross Blue Shield
- Humana
- UnitedHealthcare
How do I choose a Medicare Advantage plan?
Compare Medicare Advantage plans using the Medicare.gov plan finder tool or by using an independent broker. The Medicare.gov plan finder tool will let you compare plans in your area according to a number of factors, such as the monthly rate, deductibles, out of pocket maximum and benefits.
It's important to carefully review each plan's benefits and coverage limitations. You don't want to get stuck with a plan that makes you pay a lot when you go to the doctor.
The best Medicare Advantage plan for you depends on your health needs and finances.
Ask yourself these important questions when shopping for a Medicare Advantage plan.
- Are your prescriptions covered?
- Do you need better dental benefits or coverage for dentures?
- Does your doctor accept the plan?
- Can you afford to pay the plan's deductible, copays and coinsurance
- Does the plan offer extra benefits, such as fitness memberships, help with transportation or meal delivery?
You can buy a Medicare Advantage plan when you first become eligible for Medicare at age 65. After that period ends, you can switch from Original Medicare to Medicare Advantage during the Medicare open enrollment period that runs each year from Oct. 15 to Dec. 7. You can also switch Medicare Advantage plans between Jan. 1 and March 31.
More than half of all Medicare Advantage plans in Michigan cost $0 per month. These plans may make sense in some situations. However, a $0 per month plan may prove costly over the long run if the plan has a high out-of-pocket-maximum and you get sick.
Frequently asked questions
What's the best cheap Medicare Advantage plan in Michigan?
Priority Health has the best cheap Medicare Advantage plan in Michigan for most people because of its low rates and quality coverage. The University of Michigan Health System is also a good choice, but plans are only available if you live in central and eastern Michigan.
What is the best-rated Medicare Advantage plan in western MI?
Priority Health has the best-rated Medicare Advantage plans in western Michigan. The company has a high 4.5-out-of-5 star rating from the Centers for Medicare and Medicaid (CMS).
How much does a Medicare Advantage plan cost in Michigan?
Medicare Advantage plans cost $39 per month in Michigan, on average. But, most people in Michigan have access to at least one $0 Medicare Advantage plan.
Methodology and sources
Medicare plan data came from the Centers for Medicare & Medicaid Services (CMS) public use files and from Medicare.gov. Customer satisfaction ranking data came from J.D. Power and the National Association of Insurance Commissioners (NAIC).
Companies were chosen based on average costs, quality ratings, coverage and extra benefits.
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Callers will be directed to a licensed and certified representative of Medicare Supplement insurance and/or Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations. Calls will be routed to a licensed insurance agent who can provide you with further information about the insurance plans offered by one or more nationally recognized insurance companies. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.
Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year, unless you qualify for a Special Enrollment Period. We do not offer every plan available in your area. Currently we represent 73 organizations that offer 5,110 products in your area. Contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
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Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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