Medicare in Michigan serves about 2.3 million beneficiaries, with 49% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $139/mo. Stand-alone Part D plans average $44/mo.
Medicare Beneficiaries
2.3 million
Age 65+ and disabled
MA Enrollment
49%
% on Medicare Advantage
Avg Medigap Plan G
$139/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 60+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Blue Cross Blue Shield Michigan, Priority Health | Networks differ by county |
| Stand-alone Part D | $44/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | No (one-time 6-month window at 65) | No state annual GI rights; Blue Cross Blue Shield of Michigan and Priority Health dominate the local MA market. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Michigan's Medicare market is anchored by two dominant carriers: Blue Cross Blue Shield of Michigan (BCBSM), the largest insurer in the state with a broad MA and Medigap footprint, and Priority Health, a Grand Rapids-based regional carrier that has grown aggressively in the MA segment and consistently earns high quality ratings. Henry Ford Health System, Beaumont Health (now Corewell Health East), and Spectrum Health (now Corewell Health West) are the major hospital systems. Detroit's Medicare Advantage market is one of the largest in the Midwest, with BCBSM, UnitedHealthcare, and Humana competing vigorously for beneficiaries in Wayne, Oakland, and Macomb counties.
Michigan's Upper Peninsula presents significant network adequacy challenges for Medicare Advantage, where a sparse population and long distances between providers make HMO network products impractical. Upper Peninsula beneficiaries in communities like Marquette, Sault Ste. Marie, and the Keweenaw Peninsula are much better served by Original Medicare with Medigap. Lower Michigan's rural areas in the Thumb and northern Lower Peninsula also face some network gaps. Medigap Plan G averages about $139/month in Michigan — moderate for the Midwest. Michigan has no birthday rule or annual Medigap switching protections.
In Michigan, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 49% of Michigan beneficiaries currently choose MA.
No state annual GI rights; Blue Cross Blue Shield of Michigan and Priority Health dominate the local MA market.
💡 Michigan Pro Tip
Michigan beneficiaries in the Detroit metro area (Wayne, Oakland, Macomb counties) typically have access to 60 or more Medicare Advantage plans. Grand Rapids, Lansing, and Flint markets offer 30 to 45 plans. The Upper Peninsula has very limited MA plan options — often fewer than 10 — making Original Medicare with Medigap far more practical for UP residents.
The average Medigap Plan G premium for a 65-year-old in Michigan is approximately $139 per month. BCBSM, Priority Health, Cigna, and Mutual of Omaha are among the major carriers offering Plan G in the state. Premiums may vary by region, with Metro Detroit generally competitive with statewide averages.
Michigan does not have a birthday rule or annual guaranteed-issue protections for Medigap. Outside of your initial 6-month open enrollment at 65 or qualifying federal events, carriers can apply medical underwriting. Upper Peninsula residents should be especially cautious about letting their Medigap lapse, given the limited MA options available if they ever needed to switch back.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Michigan. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
We monitor rate filings in all 50 states. Get notified when rates change in your area — and discover new ways to save.
Free forever. Unsubscribe with one click. No spam, ever.
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.