Medicare Advantage plans in Mackinac, MI, 2027
Mackinac, Michigan has 10 Medicare Advantage plans open to everyone for 2027 (11 in 2026) and 1 special needs plan, according to the CMS landscape files; 4 of the open plans have a $0 premium. 1 plan that served the county in 2026 ends or leaves it, with 498 members living here in September 2026.
What changes in Mackinac for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 11 | 10 | ▼down 1 |
| Special needs plans | 1 | 1 | no change |
| Plans with a $0 premium | 5 | 4 | ▼down 1 |
| Plans that lower the Part B premium | 4 | 3 | ▼down 1 |
| Median out-of-pocket limit | $5,000 | $4,900 | ▼down $100 |
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 Mackinac 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 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 |
| 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 |
| BCN Advantage ClassicH5883-002 · HMO-POS | $138 | $4,800 | none | 4.5 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 Mackinac 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 |
|---|---|---|
| Humana USAA Honor Giveback with RxH5216-305 | 498 | 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 |
|---|---|---|
| Upper Peninsula Health Plan MI Coordinated HealthH3127-001 | 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 Mackinac use Medicare Advantage?
2,256 of the county's 3,939 people with Medicare were in a Medicare Advantage plan in September 2026, 57.3%; 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