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

2026 Medicare Advantage Plans in Oakland County, MI

Last update: September 2, 2026.

For 2026, Oakland County, MI includes 73 Medicare Advantage plans. Enrollment across these plans totals approximately 82,709, with 44 $0 premium options and 66% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Oakland County, MI are provided separately. Or you can discover all Medicare Options in Oakland 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: $31.71/mo
  • $0 Premium Plans: 44
  • Average MOOP: $5,678 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 66% · 3 Stars: 32% · Below 3: 3%
  • Average Part D Deductible: $280.08
  • Total MA/MAPD Enrollment: 82,709
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Medicare Plus Blue Secure (PPO) — 7,080 enrollees
    2. Medicare Plus Blue Signature (PPO) — 5,442 enrollees
    3. Medicare Plus Blue Essential (PPO) — 4,837 enrollees

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
38
Average Monthly Premium
$30.82/mo
Total PPO Enrollment
59,679
$0 Premium PPO Plans
24
Average MOOP
$6,017
Top PPO by Enrollment
Medicare Plus Blue Secure (PPO) — 7,080 enrollees
PPO Plans Without Drug Coverage
6

2026 PPO Medicare Advantage plans in Oakland County, Michigan (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H5521-286-0
Aetna Medicare Enhanced
☆☆☆☆☆
$72 $5,900 $615 H5521-607-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,200 $615 H5521-214-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $4,700 $615 H5521-404-0
Aetna Medicare Value Care
☆☆☆☆☆
$46 $5,900 $615 H5521-399-0
Humana Full Access Giveback H7617-058
☆☆☆☆☆
$0 $9,150 $0 H7617-058-0
Humana Full Access H7617-055
☆☆☆☆☆
$0 $4,800 $350 H7617-055-0
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 + Meijer
☆☆☆☆☆
$35 $6,750 $150 H9572-007-6
Medicare Plus Blue Assure
☆☆☆☆☆
$299 $4,000 $0 H9572-003-6
Medicare Plus Blue Essential
☆☆☆☆☆
$25 $6,250 $150 H9572-004-6
Medicare Plus Blue Giveback
☆☆☆☆☆
$0 $9,250 $150 H9572-008-0
Medicare Plus Blue Secure
☆☆☆☆☆
$0 $6,750 $150 H9572-009-0
Medicare Plus Blue Signature
☆☆☆☆☆
$145 $4,300 $0 H9572-001-6
Medicare Plus Blue Vitality
☆☆☆☆☆
$85 $5,000 $0 H9572-002-6
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 Edge
☆☆☆☆☆
$0 $6,000 $200 H4875-020-3
PriorityMedicare Merit
☆☆☆☆☆
$106 $4,200 $0 H4875-016-3
PriorityMedicare Thrive
☆☆☆☆☆
$0 $6,200 $250 H4875-024-1
PriorityMedicare Thrive Plus
☆☆☆☆☆
$49 $5,600 $100 H4875-018-5
PriorityMedicare Vital
☆☆☆☆☆
$0 $6,300 $450 H4875-022-5
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 H5216-287
☆☆☆☆☆
$0 $4,800 $350 H5216-287-0
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
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 typical premium for PPO plans available in Oakland?

PPO plans in Oakland cost $30.82 per month on average.

Which PPO plan do most beneficiaries choose in Oakland?

The most popular PPO plan in Oakland is Medicare Plus Blue Secure (PPO), with 7,080 enrollees.

How many PPO options are offered without drug coverage in Oakland?

6 PPO plans in Oakland 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 14
  • Average Monthly Premium $10.34/mo
  • Total HMO Enrollment 10,646
  • $0 Premium HMO Plans 11
  • Average MOOP $5,246
  • Top HMO by Enrollment HAP Medicare Connect (HMO) — 3,263 enrollees
  • HMO Plans Without Drug Coverage 2

2026 HMO Medicare Advantage plans in Oakland County, Michigan (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
BCN Advantage ConnectedCare
☆☆☆☆☆
$41 $4,400 $125 H5883-007-0
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
HAP Senior Plus Henry Ford Tiered Access
☆☆☆☆☆
$95 $4,750 $0 H2354-018-0
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 Elite Select MI
☆☆☆☆☆
$0 $4,500 $0 H4624-022-0
Zing Select Care MI
☆☆☆☆☆
$0 $4,250 $0 H4624-006-0
What is the total number of HMO plans offered in Oakland?

In 2026, Oakland County has 14 HMO plans with 10,646 enrollees.

How much do HMO plans cost in Oakland?

The typical HMO premium in Oakland is $10.34, and 11 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
21
Average Monthly Premium
$47.55/mo
Total HMO-POS Enrollment
12,384
$0 Premium HMO-POS Plans
9
Average MOOP
$5,352
Top HMO-POS by Enrollment
BCN Advantage Prime Value (HMO-POS) — 2,253 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Oakland County, Michigan (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Erickson Advantage Freedom
☆☆☆☆☆
$89 $4,900 $355 H5652-006-0
Erickson Advantage Liberty
☆☆☆☆☆
$14 $6,750 $600 H5652-008-0
Erickson Advantage Liberty no Rx
☆☆☆☆☆
$0 $6,750 N/A H5652-002-0
Erickson Advantage Signature
☆☆☆☆☆
$182 $2,900 $270 H5652-001-0
BCN Advantage Classic
☆☆☆☆☆
$145 $4,400 $0 H5883-002-7
BCN Advantage Elements
☆☆☆☆☆
$0 $4,500 N/A H5883-001-5
BCN Advantage Prestige
☆☆☆☆☆
$267 $4,000 $0 H5883-003-5
BCN Advantage Prime Value
☆☆☆☆☆
$35 $5,000 $150 H5883-014-5
Priority Health Medicare PriorityMedicare
☆☆☆☆☆
$66 $4,500 $0 H2320-028-5
PriorityMedicare Key
☆☆☆☆☆
$0 $5,800 $200 H2320-022-5
PriorityMedicare Smart Savings
☆☆☆☆☆
$0 $9,250 $500 H2320-032-5
PriorityMedicare Value
☆☆☆☆☆
$43 $5,100 $100 H2320-029-5
PriorityMedicare Vintage
☆☆☆☆☆
$9 $5,600 $615 H2320-031-0
HAP Senior Plus
☆☆☆☆☆
$105 $4,550 $0 H2354-021-0
Aetna Medicare Prime Care
☆☆☆☆☆
$0 $5,900 $615 H3192-021-0
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 average monthly premium for HMO-POS plans?
HMO-POS plans in Oakland cost $47.55 per month on average.
Which HMO-POS plan is most popular in Oakland?
The most popular HMO-POS plan in Oakland is BCN Advantage Prime Value (HMO-POS), with 2,253 enrollees.
How many HMO-POS plans in Oakland do not include drug coverage?
There are 2 HMO-POS plans in Oakland without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Oakland County, MI (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in Oakland County, MI (2026)
Rating Category Number of Plans Percent of Plans
5 Stars 4 5%
4 Stars (includes 5 Stars) 48 66%
3 Stars 23 32%
Below 3 Stars 2 3%
Not Rated 0 0%
Average Rating 3.95

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

  • 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

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

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 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.

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