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

2026 Medicare Advantage Plans in Lapeer County, MI

Last update: September 1, 2026.

In Lapeer County, MI, there are 53 Medicare Advantage plans available for 2026. Of these, 34 offer a $0 monthly premium, and about 55% 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 Lapeer County, MI. Or explore all Medicare Options available in Lapeer 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
$29.61/mo
Plans with $0 Premium
34
Average MOOP Limit
$5,728 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 55% · 3 Stars: 43% · Below 3: 2%
Average Part D Deductible
$257.11
Total MA/MAPD Enrollment
6,416
Plans with the Highest Enrollment
(as of September 8, 2026)
1. HAP Medicare Prime (PPO) — 872 enrollees
2. HAP Medicare Superior (HMO) — 603 enrollees
3. Medicare Plus Blue Vitality (PPO) — 547 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
29
Average Monthly Premium
$30.47/mo
Total PPO Enrollment
4,155
$0 Premium PPO Plans
18
Average MOOP
$6,153
Top PPO by Enrollment
HAP Medicare Prime (PPO) — 872 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Lapeer County, Michigan, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Full Access Giveback H7617-058
☆☆☆☆☆
$0 $9,150 $0 H7617-058-0
Humana Full Access H7617-052
☆☆☆☆☆
$0 $5,650 $350 H7617-052-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H7617-054-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $8,650 $90 H7617-071-0
Medicare Plus Blue Assure
☆☆☆☆☆
$210 $4,000 $0 H9572-003-4
Medicare Plus Blue Signature
☆☆☆☆☆
$119 $4,300 $0 H9572-001-4
Medicare Plus Blue Value
☆☆☆☆☆
$0 $6,750 $615 H9572-010-0
Medicare Plus Blue Vitality
☆☆☆☆☆
$72 $5,000 $0 H9572-002-4
HAP Medicare Explore
☆☆☆☆☆
$0 $5,400 $200 H2322-011-0
HAP Medicare Prime
☆☆☆☆☆
$0 $5,650 $200 H2322-016-0
HAP Member Assist
☆☆☆☆☆
$9 $5,200 $615 H2322-017-0
HAP Senior Plus
☆☆☆☆☆
$165 $4,150 $0 H2322-008-0
PriorityMedicare Merit
☆☆☆☆☆
$115 $4,200 $0 H4875-016-1
PriorityMedicare Thrive
☆☆☆☆☆
$0 $6,200 $250 H4875-024-2
PriorityMedicare Thrive Plus
☆☆☆☆☆
$49 $5,600 $100 H4875-018-3
AARP Medicare Advantage from UHC MI-0001
☆☆☆☆☆
$0 $6,700 $600 H0294-017-0
AARP Medicare Advantage from UHC MI-0002
☆☆☆☆☆
$64 $5,400 $600 H0294-018-0
AARP Medicare Advantage Patriot No Rx MI-MA01
☆☆☆☆☆
$0 $6,700 N/A H0294-022-0
Humana Full Access Giveback H5216-306
☆☆☆☆☆
$0 $9,150 $0 H5216-306-0
Humana Full Access H5216-011
☆☆☆☆☆
$18 $5,700 $300 H5216-011-0
Humana Full Access H5216-384
☆☆☆☆☆
$0 $5,650 $350 H5216-384-0
Humana Full Access R0110-014
☆☆☆☆☆
$54 $6,550 $615 R0110-014-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H5216-190-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $8,650 $90 H5216-305-0
Humana Value Plus H5216-382
☆☆☆☆☆
$9 $9,250 $250 H5216-382-0
HumanaChoice R0110-013
☆☆☆☆☆
$0 $6,550 N/A R0110-013-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $5,000 N/A H2117-003-0
Wellcare Simple Open
☆☆☆☆☆
$0 $5,200 $615 H2117-001-0
Zing Open Choice MI
☆☆☆☆☆
$0 $4,950 $0 H6876-001-0
What is the total number of PPO plans offered in Lapeer?

Lapeer County has 29 PPO plans for 2026, with 4,155 enrolled.

How much do PPO plans cost in Lapeer?

The typical PPO premium in Lapeer is $30.47, and 18 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
11
Average Monthly Premium
$0.80/mo
Total HMO Enrollment
1,187
$0 Premium HMO Plans
10
Average MOOP
$5,436
Top HMO by Enrollment
HAP Medicare Superior (HMO) — 603 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Lapeer County, Michigan, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
Henry Ford Select
☆☆☆☆☆
$0 $3,500 $150 H2354-029-0
Trinity Health Plan of Michigan Cash Back
☆☆☆☆☆
$0 $7,500 $275 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 $4,500 $100 H9179-001-0
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
Zing Select Care MI
☆☆☆☆☆
$0 $4,250 $0 H4624-006-0
What is the average monthly premium for HMO plans?
HMO plans in Lapeer cost $0.80 per month on average.
Which HMO plan is most popular in Lapeer?
The most popular HMO plan in Lapeer is HAP Medicare Superior (HMO), with 603 enrollees.
How many HMO plans in Lapeer do not include drug coverage?
There are 2 HMO plans in Lapeer 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 13
  • Average Monthly Premium $52.06/mo
  • Total HMO-POS Enrollment 1,074
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $5,027
  • Top HMO-POS by Enrollment PriorityMedicare Key (HMO-POS) — 381 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Lapeer County, Michigan, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
BCN Advantage Classic
☆☆☆☆☆
$103 $4,400 $0 H5883-002-4
BCN Advantage Elements
☆☆☆☆☆
$0 $4,500 N/A H5883-001-4
BCN Advantage Prestige
☆☆☆☆☆
$225 $4,000 $0 H5883-003-4
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
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H3192-003-0
Humana Gold Plus H8908-001
☆☆☆☆☆
$35 $3,950 $200 H8908-001-0
Humana Gold Plus H8908-004
☆☆☆☆☆
$0 $4,250 $250 H8908-004-0
Wellcare Assist
☆☆☆☆☆
$9 $5,000 $580 H5475-038-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,550 $615 H5475-031-0
Wellcare Simple
☆☆☆☆☆
$0 $5,000 $615 H5475-026-0
What is the total number of HMO-POS plans in Lapeer?

There are 13 HMO-POS plans in 2026, covering 1,074 enrollees.

How much do HMO-POS plans cost in Lapeer?

The average HMO-POS premium in Lapeer is $52.06 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Lapeer?

PriorityMedicare Key (HMO-POS) is the top HMO-POS in Lapeer, with 381 enrollees.

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

1 HMO-POS plans in Lapeer do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Lapeer County, MI for 2026.

CMS Star Ratings for Medicare Advantage Plans in Lapeer County, MI (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 29 55%
3 Stars 23 43%
Below 3 Stars 1 2%
Not Rated 0 0%
Average Rating 3.77

* 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: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

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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