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

2027 Medicare Advantage Plans in Oakland County, MI

Last update: October 4, 2026.

In Oakland County, MI, there are 64 Medicare Advantage plans available for 2027. Of these, 39 offer a $0 monthly premium, and about 61% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$36.18/mo
Plans with $0 Premium
39
Average MOOP Limit
$6,241 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 61% · 3 Stars: 39% · Below 3: 0%
Average Part D Deductible
$384.44
Total MA/MAPD Enrollment
75,880
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Medicare Plus Blue Secure (PPO) — 7,116 enrollees
2. Medicare Plus Blue Signature (PPO) — 5,424 enrollees
3. Medicare Plus Blue Essential (PPO) — 4,816 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Oakland County, MI. Or explore all Medicare Options available in Oakland County, MI. To understand how local plans fit into the broader market, visit our Michigan Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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
32
Average Monthly Premium
$38.72/mo
Total PPO Enrollment
53,806
$0 Premium PPO Plans
20
Average MOOP
$6,275
Top PPO by Enrollment
Medicare Plus Blue Secure (PPO) — 7,116 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Oakland County, Michigan, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Full Access
☆☆☆☆☆
$0 $5,200 $600 H7617-052-0
Humana Full Access Giveback
☆☆☆☆☆
$0 $9,850 $150 H7617-058-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H7617-054-0
Medicare Plus Blue + Meijer
☆☆☆☆☆
$45 $6,750 $400 H9572-007-1
Medicare Plus Blue Assure
☆☆☆☆☆
$306 $4,000 $100 H9572-003-6
Medicare Plus Blue Essential
☆☆☆☆☆
$40 $7,150 $400 H9572-004-6
Medicare Plus Blue Giveback
☆☆☆☆☆
$0 $9,250 $600 H9572-008-0
Medicare Plus Blue Secure
☆☆☆☆☆
$0 $7,000 $435 H9572-009-0
Medicare Plus Blue Signature
☆☆☆☆☆
$158 $4,300 $200 H9572-001-6
Medicare Plus Blue Vitality
☆☆☆☆☆
$111 $5,000 $250 H9572-002-6
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,200 N/A H5521-286-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,200 $400 H5521-214-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $4,900 $500 H5521-404-0
Aetna Medicare Value Care
☆☆☆☆☆
$0 $5,900 $400 H5521-399-0
Humana Full Access
☆☆☆☆☆
$41 $4,800 $450 H5216-011-0
Humana Full Access
☆☆☆☆☆
$0 $5,200 $600 H5216-384-0
Humana Full Access Giveback
☆☆☆☆☆
$0 $9,850 $150 H5216-306-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H5216-190-0
PriorityMedicare Edge
☆☆☆☆☆
$0 $7,100 $300 H4875-020-3
PriorityMedicare Merit
☆☆☆☆☆
$141 $5,000 $0 H4875-016-3
PriorityMedicare Thrive
☆☆☆☆☆
$0 $7,150 $400 H4875-024-5
PriorityMedicare Thrive Plus
☆☆☆☆☆
$67 $6,600 $225 H4875-018-5
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 R0110-014
☆☆☆☆☆
$89 $7,050 $700 R0110-014-0
HumanaChoice R0110-013
☆☆☆☆☆
$0 $6,550 N/A R0110-013-0
Zing Open Choice MI
☆☆☆☆☆
$0 $6,450 $450 H6876-001-0
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
What is the total number of PPO plans offered in Oakland?

Oakland County has 32 PPO plans for 2027, with 53,806 enrolled.

How much do PPO plans cost in Oakland?

The typical PPO premium in Oakland is $38.72, and 20 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
15
Average Monthly Premium
$15.60/mo
Total HMO Enrollment
10,659
$0 Premium HMO Plans
11
Average MOOP
$6,127
Top HMO by Enrollment
HAP Medicare Superior (HMO) — 3,254 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Oakland County, Michigan, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
BCN Advantage ConnectedCare
☆☆☆☆☆
$50 $4,800 $100 H5883-007-0
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
HAP Senior Plus Henry Ford Tiered Access
☆☆☆☆☆
$95 $4,750 $0 H2354-018-0
Henry Ford Select
☆☆☆☆☆
$0 $4,950 $200 H2354-029-0
Zing Elite Select MI
☆☆☆☆☆
$0 $6,750 $350 H4624-022-0
Zing Select Care MI
☆☆☆☆☆
$0 $6,750 $500 H4624-006-0
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 Oakland cost $15.60 per month on average.
Which HMO plan is most popular in Oakland?
The most popular HMO plan in Oakland is HAP Medicare Superior (HMO), with 3,254 enrollees.
How many HMO plans in Oakland do not include drug coverage?
There are 2 HMO plans in Oakland 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 15
  • Average Monthly Premium $51.35/mo
  • Total HMO-POS Enrollment 11,415
  • $0 Premium HMO-POS Plans 8
  • Average MOOP $6,283
  • Top HMO-POS by Enrollment BCN Advantage Prime Value (HMO-POS) — 2,233 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Oakland County, Michigan, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
BCN Advantage Classic
☆☆☆☆☆
$158 $4,800 $200 H5883-002-7
BCN Advantage Elements
☆☆☆☆☆
$0 $4,500 N/A H5883-017-0
BCN Advantage Prestige
☆☆☆☆☆
$282 $4,400 $100 H5883-003-5
BCN Advantage Prime Value
☆☆☆☆☆
$48 $6,000 $600 H5883-014-5
Priority Health Medicare PriorityMedicare
☆☆☆☆☆
$97 $5,100 $0 H2320-028-5
PriorityMedicare Align
☆☆☆☆☆
$6 $6,800 $700 H2320-033-5
PriorityMedicare Key
☆☆☆☆☆
$0 $6,950 $300 H2320-022-5
PriorityMedicare Smart Savings
☆☆☆☆☆
$0 $9,850 $700 H2320-032-5
PriorityMedicare Value
☆☆☆☆☆
$74 $6,000 $225 H2320-029-5
HAP Senior Plus
☆☆☆☆☆
$105 $4,650 $0 H2354-021-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $500 H3192-003-0
Humana Gold Plus H8908-004
☆☆☆☆☆
$0 $4,400 $700 H8908-004-0
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 Oakland?

There are 15 HMO-POS plans in 2027, covering 11,415 enrollees.

How much do HMO-POS plans cost in Oakland?

The average HMO-POS premium in Oakland is $51.35 per month, with 8 plans offering $0 premiums.

What is the leading HMO-POS plan in Oakland?

BCN Advantage Prime Value (HMO-POS) is the top HMO-POS in Oakland, with 2,233 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Oakland County, MI (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 38 61%
3 Stars 24 39%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.86

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Oakland County, Michigan, including communities such as Birmingham, Clawson, Franklin, Hazel Park, Southfield, Royal Oak, Pleasant Ridge, Huntington Woods, Madison Heights, Berkley, Troy, New Hudson, South Lyon, Ferndale, Oak Park, Bloomfield Hills, Rochester, Keego Harbor, West Bloomfield, Auburn Hills, Waterford, Farmington, Pontiac, Clarkston, Davisburg, Highland, Lake Orion, Oakland, Leonard, Oxford, Novi, Milford, Commerce Township, White Lake, Walled Lake, Wixom, Holly, Ortonville, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • 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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