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

2027 Medicare Advantage Plans in Sanilac County, MI

Last update: October 5, 2026.

For 2027, Sanilac County, MI includes 46 Medicare Advantage plans. Enrollment across these plans totals approximately 2,967, with 28 $0 premium options and 52% rated 4 stars or higher.

  • 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: $43.01/mo
  • $0 Premium Plans: 28
  • Average MOOP: $6,290 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 52% · 3 Stars: 48% · Below 3: 0%
  • Average Part D Deductible: $358.33
  • Total MA/MAPD Enrollment: 2,967
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. HAP Medicare Prime (PPO) — 682 enrollees
    2. Humana Full Access Giveback (PPO) — 375 enrollees
    3. Humana Full Access Giveback (PPO) — 255 enrollees

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Sanilac County, MI are provided separately. Or you can discover all Medicare Options in Sanilac County, MI. For a statewide view, browse Medicare Advantage plans in Michigan to examine available plan types, average premiums, out-of-pocket limits, CMS star ratings, and the most-enrolled plans across the state.

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
22
Average Monthly Premium
$50.07/mo
Total PPO Enrollment
2,388
$0 Premium PPO Plans
13
Average MOOP
$6,307
Top PPO by Enrollment
HAP Medicare Prime (PPO) — 682 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in Sanilac County, Michigan (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
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 Assure
☆☆☆☆☆
$299 $4,000 $100 H9572-003-3
Medicare Plus Blue Signature
☆☆☆☆☆
$168 $4,300 $200 H9572-001-3
Medicare Plus Blue Value
☆☆☆☆☆
$0 $6,750 $700 H9572-010-0
Medicare Plus Blue Vitality
☆☆☆☆☆
$100 $5,000 $250 H9572-002-3
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,200 N/A H5521-286-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,200 $400 H5521-285-0
Humana Full Access
☆☆☆☆☆
$41 $4,800 $450 H5216-011-0
Humana Full Access Giveback
☆☆☆☆☆
$0 $9,850 $150 H5216-306-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H5216-190-0
Humana Value Plus H5216-382
☆☆☆☆☆
$0 $9,850 $0 H5216-382-0
PriorityMedicare Merit
☆☆☆☆☆
$163 $5,000 $0 H4875-016-2
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
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 typical premium for PPO plans available in Sanilac?

PPO plans in Sanilac cost $50.07 per month on average.

Which PPO plan do most beneficiaries choose in Sanilac?

The most popular PPO plan in Sanilac is HAP Medicare Prime (PPO), with 682 enrollees.

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

5 PPO plans in Sanilac 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 10
  • Average Monthly Premium $8.90/mo
  • Total HMO Enrollment 320
  • $0 Premium HMO Plans 8
  • Average MOOP $6,390
  • Top HMO by Enrollment HAP Medicare Superior (HMO) — 194 enrollees
  • HMO Plans Without Drug Coverage 2

2027 HMO Medicare Advantage plans in Sanilac County, Michigan (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 total number of HMO plans offered in Sanilac?

In 2027, Sanilac County has 10 HMO plans with 320 enrollees.

How much do HMO plans cost in Sanilac?

The typical HMO premium in Sanilac is $8.90, and 8 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
12
Average Monthly Premium
$58.50/mo
Total HMO-POS Enrollment
259
$0 Premium HMO-POS Plans
7
Average MOOP
$6,175
Top HMO-POS by Enrollment
Humana Gold Plus H8908-004 (HMO-POS) — 105 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Sanilac County, Michigan (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
BCN Advantage Classic
☆☆☆☆☆
$138 $4,800 $200 H5883-002-3
BCN Advantage Elements
☆☆☆☆☆
$0 $4,500 N/A H5883-017-0
BCN Advantage Prestige
☆☆☆☆☆
$248 $4,400 $100 H5883-003-3
Priority Health Medicare PriorityMedicare
☆☆☆☆☆
$131 $5,100 $0 H2320-028-4
PriorityMedicare Latitude
☆☆☆☆☆
$0 $9,850 $300 H2320-034-4
PriorityMedicare Value
☆☆☆☆☆
$80 $6,000 $225 H2320-029-4
HAP Senior Plus
☆☆☆☆☆
$105 $4,650 $0 H2354-021-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,350 $400 H3192-010-0
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 average monthly premium for HMO-POS plans?
HMO-POS plans in Sanilac cost $58.50 per month on average.
Which HMO-POS plan is most popular in Sanilac?
The most popular HMO-POS plan in Sanilac is Humana Gold Plus H8908-004 (HMO-POS), with 105 enrollees.
How many HMO-POS plans in Sanilac do not include drug coverage?
There are 1 HMO-POS plans in Sanilac without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Sanilac County, MI (2027) are summarized below.

Quality Ratings for Medicare Advantage Plans in Sanilac County, MI (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 23 52%
3 Stars 21 48%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.75

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Sanilac County, Michigan, including communities such as Brown City, Carsonville, Croswell, Deckerville, Lexington, Marlette, Peck, Sandusky, Snover, 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

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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