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  1. 🏠
  2. Medicare Advantage Plans
  3. Michigan
  4. Lake County

2027 Medicare Advantage Plans in Lake County, MI

Last update: October 4, 2026.

In Lake County, MI, there are 45 Medicare Advantage plans available for 2027. Of these, 28 offer a $0 monthly premium, and about (2027 Star Ratings Coming Soon) are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Lake County, MI. Or explore all Medicare Options available in Lake County, MI.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$40.20/mo
Plans with $0 Premium
28
Average MOOP Limit
$6,197 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
(2027 Star Ratings Coming Soon)
Average Part D Deductible
$370.42
Total MA/MAPD Enrollment
683
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Humana Full Access Giveback (PPO) — 163 enrollees
2. Aetna Medicare Signature (PPO) — 58 enrollees
3. Medicare Plus Blue Vitality (PPO) — 49 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
23
Average Monthly Premium
$43.38/mo
Total PPO Enrollment
556
$0 Premium PPO Plans
13
Average MOOP
$6,043
Top PPO by Enrollment
Humana Full Access Giveback (PPO) — 163 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Lake County, Michigan, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC MI-0001
☆☆☆☆☆
$0 $7,150 $685 H0294-017-0
AARP Medicare Advantage from UHC MI-0002
☆☆☆☆☆
$70 $5,900 $685 H0294-018-0
AARP Medicare Advantage Patriot No Rx MI-MA01
☆☆☆☆☆
$0 $6,700 N/A H0294-022-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,200 N/A H5521-286-0
Aetna Medicare Enhanced
☆☆☆☆☆
$30 $4,900 $500 H5521-194-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,200 $500 H5521-219-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,200 $400 H5521-407-0
HAP Medicare Explore
☆☆☆☆☆
$0 $6,050 $400 H2322-011-0
HAP Medicare Prime
☆☆☆☆☆
$0 $6,400 $400 H2322-016-0
HAP Member Assist
☆☆☆☆☆
$6 $5,600 $500 H2322-017-0
HAP Senior Plus
☆☆☆☆☆
$165 $4,450 $0 H2322-008-0
Humana Full Access
☆☆☆☆☆
$41 $4,800 $450 H5216-011-0
Humana Full Access Giveback
☆☆☆☆☆
$0 $9,850 $150 H7617-058-0
Humana Full Access R0110-014
☆☆☆☆☆
$89 $7,050 $700 R0110-014-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H5216-190-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H7617-054-0
Humana Value Plus H5216-382
☆☆☆☆☆
$0 $9,850 $0 H5216-382-0
HumanaChoice R0110-013
☆☆☆☆☆
$0 $6,550 N/A R0110-013-0
Medicare Plus Blue Assure
☆☆☆☆☆
$218 $4,000 $100 H9572-003-4
Medicare Plus Blue Signature
☆☆☆☆☆
$132 $4,300 $200 H9572-001-4
Medicare Plus Blue Value
☆☆☆☆☆
$0 $6,750 $700 H9572-010-0
Medicare Plus Blue Vitality
☆☆☆☆☆
$91 $5,000 $250 H9572-002-4
PriorityMedicare Merit
☆☆☆☆☆
$156 $5,000 $0 H4875-016-1
What is the total number of PPO plans offered in Lake?

Lake County has 23 PPO plans for 2027, with 556 enrolled.

How much do PPO plans cost in Lake?

The typical PPO premium in Lake is $43.38, and 13 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
10
Average Monthly Premium
$8.90/mo
Total HMO Enrollment
66
$0 Premium HMO Plans
8
Average MOOP
$6,390
Top HMO by Enrollment
HAP Medicare Superior (HMO) — 25 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Lake County, Michigan, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
HAP Medicare Connect
☆☆☆☆☆
$0 $5,600 $200 H2354-015-0
HAP Medicare MedicalAccess
☆☆☆☆☆
$0 $4,500 N/A H2354-019-0
HAP Medicare Superior
☆☆☆☆☆
$0 $5,800 $200 H2354-028-0
McLaren Medicare Inspire
☆☆☆☆☆
$0 $6,600 $615 H6322-001-0
McLaren Medicare Inspire Giveback
☆☆☆☆☆
$0 $6,750 $615 H6322-008-0
McLaren Medicare Inspire Plus
☆☆☆☆☆
$20 $5,900 $500 H6322-002-0
Trinity Health Plan of Michigan Cash Back
☆☆☆☆☆
$0 $9,850 $375 H9179-002-0
Trinity Health Plan of Michigan Glory No RX
☆☆☆☆☆
$0 $6,500 N/A H9179-003-0
Trinity Health Plan of Michigan No Premium
☆☆☆☆☆
$0 $6,500 $350 H9179-001-0
Trinity Health Plan of Michigan Plus
☆☆☆☆☆
$69 $5,900 $250 H9179-004-0
What is the average monthly premium for HMO plans?
HMO plans in Lake cost $8.90 per month on average.
Which HMO plan is most popular in Lake?
The most popular HMO plan in Lake is HAP Medicare Superior (HMO), with 25 enrollees.
How many HMO plans in Lake do not include drug coverage?
There are 2 HMO plans in Lake without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 12
  • Average Monthly Premium $60.17/mo
  • Total HMO-POS Enrollment 61
  • $0 Premium HMO-POS Plans 7
  • Average MOOP $6,329
  • Top HMO-POS by Enrollment PriorityMedicare Value (HMO-POS) — 32 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Lake County, Michigan, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC MI-4
☆☆☆☆☆
$0 $5,900 $685 H2736-001-0
AARP Medicare Advantage Patriot No Rx MI-MA2
☆☆☆☆☆
$0 $6,700 N/A H2736-004-0
BCN Advantage Classic
☆☆☆☆☆
$117 $4,800 $200 H5883-002-4
BCN Advantage Elements
☆☆☆☆☆
$0 $4,500 N/A H5883-017-0
BCN Advantage Prestige
☆☆☆☆☆
$241 $4,400 $100 H5883-003-4
HAP Senior Plus
☆☆☆☆☆
$105 $4,650 $0 H2354-021-0
Priority Health Medicare PriorityMedicare
☆☆☆☆☆
$148 $5,100 $0 H2320-028-3
PriorityMedicare Latitude
☆☆☆☆☆
$0 $9,850 $300 H2320-034-3
PriorityMedicare Value
☆☆☆☆☆
$111 $6,000 $225 H2320-029-3
Wellcare Assist
☆☆☆☆☆
$0 $7,100 $700 H5475-038-0
Wellcare Giveback
☆☆☆☆☆
$0 $9,850 $700 H5475-031-0
Wellcare Simple
☆☆☆☆☆
$0 $7,100 $700 H5475-026-0
What is the total number of HMO-POS plans in Lake?

There are 12 HMO-POS plans in 2027, covering 61 enrollees.

How much do HMO-POS plans cost in Lake?

The average HMO-POS premium in Lake is $60.17 per month, with 7 plans offering $0 premiums.

What is the leading HMO-POS plan in Lake?

PriorityMedicare Value (HMO-POS) is the top HMO-POS in Lake, with 32 enrollees.

What is the number of HMO-POS plans without Part D coverage in Lake?

2 HMO-POS plans in Lake do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Lake County, MI for 2027.

CMS Star Ratings for Medicare Advantage Plans in Lake County, MI (2027)
Rating Category Number of Plans Percent of Plans
5 Stars (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
4 Stars (includes 5 Stars) (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
3 Stars (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
Below 3 Stars (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
Not Rated (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
Average Rating (2027 Star Ratings Coming Soon)

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment 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.

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