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Medicare Advantage plans in Lake County, MI for 2027
64 Medicare Advantage plans from 11 companies are available in Lake County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 28. Lowest in-network out-of-pocket limit: $4,000.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (36)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $500 | $5,200 | 4.5 |
| Aetna Medicare Signature Extra (PPO) Aetna Medicare | PPO | $0 | $400 | $5,200 | 4.5 |
| HAP Medicare Connect (HMO) Health Alliance Plan by Henry Ford Health | HMO | $0 | $200 | $5,600 | 4 |
| HAP Medicare Superior (HMO) Health Alliance Plan by Henry Ford Health | HMO | $0 | $200 | $5,800 | 4 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $5,900 | — |
| HAP Medicare Explore (PPO) Health Alliance Plan by Henry Ford Health | PPO | $0 | $400 | $6,050 | 4 |
| HAP Medicare Prime (PPO) Health Alliance Plan by Henry Ford Health | PPO | $0 | $400 | $6,400 | 4 |
| Trinity Health Plan of Michigan No Premium (HMO) Trinity Health Plan of Michigan | HMO | $0 | $350 | $6,500 | 4.5 |
| McLaren Medicare Inspire (HMO) McLaren Medicare | HMO | $0 | $615 | $6,600 | 3 |
| McLaren Medicare Inspire Giveback (HMO) McLaren Medicare | HMO | $0 | $615 | $6,750 | 3 |
| Medicare Plus Blue Value (PPO) Blue Cross Blue Shield of Michigan | PPO | $0 | $700 | $6,750 | 4.5 |
| Wellcare Assist (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,100 | 3 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,100 | 3 |
| AARP Medicare Advantage from UHC MI-0001 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 3.5 |
| Humana Full Access Giveback (PPO) Humana | PPO | $0 | $150 | $9,850 | 4.5 |
| Humana Value Plus H5216-382 (PPO) Humana | PPO | $0 | $0 | $9,850 | 3.5 |
| PriorityMedicare Latitude (HMO-POS) Priority Health Medicare | HMO-POS | $0 | $300 | $9,850 | 4.5 |
| Trinity Health Plan of Michigan Cash Back (HMO) Trinity Health Plan of Michigan | HMO | $0 | $375 | $9,850 | 4.5 |
| Wellcare Giveback (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $9,850 | 3 |
| HAP Member Assist (PPO) Health Alliance Plan by Henry Ford Health | PPO | $6.30 | $500 | $5,600 | 4 |
| McLaren Medicare Inspire Plus (HMO) McLaren Medicare | HMO | $20 | $500 | $5,900 | 3 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare | PPO | $30 | $500 | $4,900 | 4.5 |
| Humana Full Access (PPO) Humana | PPO | $41 | $450 | $4,800 | 3.5 |
| Trinity Health Plan of Michigan Plus (HMO) Trinity Health Plan of Michigan | HMO | $69 | $250 | $5,900 | 4.5 |
| AARP Medicare Advantage from UHC MI-0002 (PPO) UnitedHealthcare | PPO | $70 | $685 | $5,900 | 3.5 |
| Humana Full Access R0110-014 (Regional PPO) Humana | Regional PPO | $89 | $700 | $7,050 | 3.5 |
| Medicare Plus Blue Vitality (PPO) Blue Cross Blue Shield of Michigan | PPO | $91 | $250 | $5,000 | 4.5 |
| HAP Senior Plus (HMO-POS) Health Alliance Plan by Henry Ford Health | HMO-POS | $105 | $0 | $4,650 | 4 |
| PriorityMedicare Value (HMO-POS) Priority Health Medicare | HMO-POS | $111 | $225 | $6,000 | 4.5 |
| BCN Advantage Classic (HMO-POS) Blue Care Network | HMO-POS | $117 | $200 | $4,800 | 4.5 |
| Medicare Plus Blue Signature (PPO) Blue Cross Blue Shield of Michigan | PPO | $132 | $200 | $4,300 | 4.5 |
| PriorityMedicare (HMO-POS) Priority Health Medicare | HMO-POS | $148 | $0 | $5,100 | 4.5 |
| PriorityMedicare Merit (PPO) Priority Health Medicare | PPO | $156 | $0 | $5,000 | 4 |
| HAP Senior Plus (PPO) Health Alliance Plan by Henry Ford Health | PPO | $165 | $0 | $4,450 | 4 |
| Medicare Plus Blue Assure (PPO) Blue Cross Blue Shield of Michigan | PPO | $217.50 | $100 | $4,000 | 4.5 |
| BCN Advantage Prestige (HMO-POS) Blue Care Network | HMO-POS | $241 | $100 | $4,400 | 4.5 |
Plans without drug coverage (9)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| BCN Advantage Elements (HMO-POS) Blue Care Network | HMO-POS | $0 | $4,500 | 4.5 |
| HAP Medicare MedicalAccess (HMO) Health Alliance Plan by Henry Ford Health | HMO | $0 | $4,500 | 4 |
| Aetna Medicare Eagle (PPO) Aetna Medicare | PPO | $0 | $5,200 | 4.5 |
| Trinity Health Plan of Michigan Glory No RX (HMO) Trinity Health Plan of Michigan | HMO | $0 | $6,500 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,550 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,550 | 3.5 |
| HumanaChoice R0110-013 (Regional PPO) Humana | Regional PPO | $0 | $6,550 | 3.5 |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) UnitedHealthcare | PPO | $0 | $6,700 | 3.5 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $6,700 | — |
Special needs plans (19)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| UHC Complete Care MI-5 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $5,900 | — |
| Premier Care (HMO-POS I-SNP) Align Senior Care | HMO-POS I-SNP | $0 | $700 | $6,000 | 2.5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana | PPO C-SNP | $0 | $400 | $6,950 | 3.5 |
| UHC Complete Care Support MI-3 (PPO C-SNP) UnitedHealthcare | PPO C-SNP | $0 | $700 | $7,150 | 3.5 |
| UHC Dual Advantage MI-V1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $7,150 | 3.5 |
| Aetna Medicare Dual Care (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Humana Dual Select H5216-385 (PPO D-SNP) Humana | PPO D-SNP | $0 | $0 | $9,850 | 3.5 |
| HumanaChoice SNP-DE H5216-388 (PPO D-SNP) Humana | PPO D-SNP | $0 | $0 | $9,850 | 3.5 |
| UHC Dual Complete MI-Q1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $315 | $9,850 | 3.5 |
| UHC Dual Complete MI-S3 (HMO D-SNP) UnitedHealthcare | HMO D-SNP | $0 | $465 | $9,850 | 3.5 |
| Wellcare Meridian Health Dual Access (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3 |
| Wellcare Meridian Health Dual Liberty (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | — |
| PriorityMedicare D-SNP (HMO D-SNP) Priority Health Medicare | HMO D-SNP | $0.20 | $700 | $9,850 | 3.5 |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Michigan | HMO D-SNP | $0.90 | $700 | $9,850 | 3 |
| HAP Medicare Complete Assist (PPO D-SNP) Health Alliance Plan by Henry Ford Health | PPO D-SNP | $6.30 | $700 | $9,850 | 4 |
| HAP Medicare Complete Duals (HMO D-SNP) Health Alliance Plan by Henry Ford Health | HMO D-SNP | $6.30 | $700 | $9,850 | 4 |
| HAP Medicare Diabetes and Heart (HMO C-SNP) Health Alliance Plan by Henry Ford Health | HMO C-SNP | $6.30 | $700 | $9,850 | 4 |
| Senior Care (HMO I-SNP) Align Senior Care | HMO I-SNP | $6.30 | $700 | $9,850 | 2.5 |
| UHC Dual Complete MI-S001 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $6.30 | $700 | $9,850 | 4.5 |
Stand-alone Part D drug plans in Michigan →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).