2026 Medicare Advantage Plans in Clare County, MI
Last update: . Enrollment data updated: June 13, 2026
For 2026, Clare County, MI includes 33 Medicare Advantage plans. Enrollment across these plans totals approximately 3,474, with 18 $0 premium options and 73% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Clare County, MI are provided separately. Or you can discover all Medicare Options in Clare County, MI.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 20
- Average Monthly Premium
- $46.85/mo
- Total PPO Enrollment
- 2,385
- $0 Premium PPO Plans
- 11
- Average MOOP
- $6,198
- Top PPO by Enrollment
- PriorityMedicare Thrive (PPO) — 422 enrollees
- PPO Plans Without Drug Coverage
- 3
What is the typical premium for PPO plans available in Clare?
PPO plans in Clare cost $46.85 per month on average.
Which PPO plan do most beneficiaries choose in Clare?
The most popular PPO plan in Clare is PriorityMedicare Thrive (PPO), with 422 enrollees.
How many PPO options are offered without drug coverage in Clare?
3 PPO plans in Clare do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 6
- Average Monthly Premium $1.47/mo
- Total HMO Enrollment 373
- $0 Premium HMO Plans 5
- Average MOOP $5,592
- Top HMO by Enrollment HAP Medicare Superior (HMO) — 286 enrollees
- HMO Plans Without Drug Coverage 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| HAP Medicare Connect | $0 | $5,000 | $150 | H2354-015-0 | |
| HAP Medicare MedicalAccess | $0 | $4,500 | N/A | H2354-019-0 | |
| HAP Medicare Superior | $0 | $5,100 | $150 | H2354-028-0 | |
| McLaren Medicare Inspire | $0 | $6,300 | $615 | H6322-001-0 | |
| McLaren Medicare Inspire Plus | $9 | $5,900 | $500 | H6322-002-0 | |
| McLaren Medicare Inspire Select | $0 | $6,750 | $615 | H6322-008-0 |
What is the total number of HMO plans offered in Clare?
In 2026, Clare County has 6 HMO plans with 373 enrollees.
How much do HMO plans cost in Clare?
The typical HMO premium in Clare is $1.47, and 5 plans have no monthly premium.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 7
- Average Monthly Premium
- $94.23/mo
- Total HMO-POS Enrollment
- 716
- $0 Premium HMO-POS Plans
- 2
- Average MOOP
- $4,693
- Top HMO-POS by Enrollment
- PriorityMedicare Key (HMO-POS) — 650 enrollees
- HMO-POS Plans Without Drug Coverage
- 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| BCN Advantage Classic | $124 | $4,400 | $0 | H5883-002-3 | |
| BCN Advantage Elements | $0 | $4,500 | N/A | H5883-001-3 | |
| BCN Advantage Prestige | $231 | $4,000 | $0 | H5883-003-3 | |
| Priority Health Medicare PriorityMedicare | $120 | $4,500 | $0 | H2320-028-3 | |
| PriorityMedicare Key | $0 | $5,800 | $200 | H2320-022-3 | |
| PriorityMedicare Value | $80 | $5,100 | $100 | H2320-029-3 | |
| HAP Senior Plus | $105 | $4,550 | $0 | H2354-021-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Clare cost $94.23 per month on average.
- Which HMO-POS plan is most popular in Clare?
- The most popular HMO-POS plan in Clare is PriorityMedicare Key (HMO-POS), with 650 enrollees.
- How many HMO-POS plans in Clare do not include drug coverage?
- There are 1 HMO-POS plans in Clare without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Clare County, MI (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 24 | 73% |
| 3 Stars | 9 | 27% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.02 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.