Medicare Advantage plans in Alpena, MI, 2027
Alpena, Michigan has 18 Medicare Advantage plans open to everyone for 2027 (25 in 2026) and 5 special needs plans, according to the CMS landscape files; 7 of the open plans have a $0 premium. 11 plans that served the county in 2026 end or leave it, with 2,725 members living here in September 2026.
What changes in Alpena for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 25 | 18 | ▼down 7 |
| Special needs plans | 8 | 5 | ▼down 3 |
| Plans with a $0 premium | 11 | 7 | ▼down 4 |
| Plans that lower the Part B premium | 9 | 4 | ▼down 5 |
| Median out-of-pocket limit | $5,800 | $5,150 | ▼down $650 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Alpena join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| BCN Advantage ElementsH5883-017 · HMO-POS | $0 | $4,500 | $20 | 4.5 of 5 |
| Humana Full AccessH5216-384 · PPO | $0 | $5,200 | none | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-190 · PPO | $0 | $6,550 | $136 | 3.5 of 5 |
| HumanaChoiceR0110-013 · Regional PPO | $0 | $6,550 | $17 | 3.5 of 5 |
| Medicare Plus Blue ValueH9572-010 · PPO | $0 | $6,750 | none | 4.5 of 5 |
| PriorityMedicare LatitudeH2320-034 · HMO-POS | $0 | $9,850 | none | 4.5 of 5 |
| Humana Value PlusH5216-382 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Full AccessH5216-011 · PPO | $41 | $4,800 | none | 3.5 of 5 |
| Medicare Plus Blue + MeijerH9572-007 · PPO | $45 | $6,750 | $12.10 | 4.5 of 5 |
| PriorityMedicare ValueH2320-029 · HMO-POS | $80 | $6,000 | none | 4.5 of 5 |
| Humana Full AccessR0110-014 · Regional PPO | $89 | $7,050 | none | 3.5 of 5 |
| Medicare Plus Blue VitalityH9572-002 · PPO | $100 | $5,000 | none | 4.5 of 5 |
| PriorityMedicareH2320-028 · HMO-POS | $131 | $5,100 | none | 4.5 of 5 |
| BCN Advantage ClassicH5883-002 · HMO-POS | $138 | $4,800 | none | 4.5 of 5 |
| PriorityMedicare MeritH4875-016 · PPO | $163 | $5,000 | none | 4 of 5 |
| Medicare Plus Blue SignatureH9572-001 · PPO | $168 | $4,300 | none | 4.5 of 5 |
| BCN Advantage PrestigeH5883-003 · HMO-POS | $248 | $4,400 | none | 4.5 of 5 |
| Medicare Plus Blue AssureH9572-003 · PPO | $299.30 | $4,000 | none | 4.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Alpena in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| PriorityMedicare KeyH2320-022 | 1,702 | Leaves the county |
| Humana Full Access GivebackH5216-306 | 330 | Leaves the county |
| PriorityMedicare ThriveH4875-024 | 270 | Leaves the county |
| UHC Dual Complete MI-S002H2247-001 | 126 | Leaves the county |
| UHC Dual Complete MI-S3H2247-004 | 121 | Leaves the county |
| PriorityMedicare Thrive PlusH4875-018 | 105 | Leaves the county |
| UHC Dual Complete MI-V001H2247-003 | 48 | Leaves the county |
| Humana USAA Honor Giveback with RxH5216-305 | 23 | Leaves the county |
| McLaren Medicare InspireH6322-001 | fewer than 11 | Leaves the county |
| McLaren Medicare Inspire PlusH6322-002 | fewer than 11 | Leaves the county |
| McLaren Medicare Inspire SelectH6322-008 | fewer than 11 | Leaves the county |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| Humana Dual SelectH5216-385 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-388 | Dual-Eligible | $0 |
| PriorityMedicare D-SNPH8379-001 | Dual-Eligible | $0.20 |
| Molina Medicare Complete CareH5926-001 | Dual-Eligible | $0.90 |
| UHC Dual Complete MI-S001H2001-039 | Dual-Eligible | $6.30 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Alpena use Medicare Advantage?
5,562 of the county's 9,662 people with Medicare were in a Medicare Advantage plan in September 2026, 57.6%; in Michigan as a whole the share is 63.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in MichiganEvery county of the state
- 11 stand-alone drug plans in MichiganIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027