Medicare Advantage plans in St. Joseph, MI, 2027
St. Joseph, Michigan has 38 Medicare Advantage plans open to everyone for 2027 (38 in 2026) and 7 special needs plans, according to the CMS landscape files; 21 of the open plans have a $0 premium. 2 plans that served the county in 2026 end or leave it, with 78 members living here in September 2026.
What changes in St. Joseph for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 38 | 38 | no change |
| Special needs plans | 6 | 7 | ▲up 1 |
| Plans with a $0 premium | 20 | 21 | ▲up 1 |
| Plans that lower the Part B premium | 18 | 12 | ▼down 6 |
| Median out-of-pocket limit | $5,750 | $6,650 | ▲up $900 |
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 St. Joseph 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 Full AccessH7617-052 · PPO | $0 | $5,200 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC MI-4H2736-001 · HMO-POS | $0 | $5,900 | none | not rated |
| Humana USAA Honor GivebackH5216-190 · PPO | $0 | $6,550 | $136 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-054 · PPO | $0 | $6,550 | $136 | 4.5 of 5 |
| HumanaChoiceR0110-013 · Regional PPO | $0 | $6,550 | $17 | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx MI-MA01H0294-022 · PPO | $0 | $6,700 | $130 | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx MI-MA2H2736-004 · HMO-POS | $0 | $6,700 | $150 | not rated |
| PriorityMedicare KeyH2320-022 · HMO-POS | $0 | $6,950 | none | 4.5 of 5 |
| Medicare Plus Blue SecureH9572-009 · PPO | $0 | $7,000 | none | 4.5 of 5 |
| PriorityMedicare EdgeH4875-020 · PPO | $0 | $7,100 | none | 4 of 5 |
| Wellcare SimpleH5475-026 · HMO-POS | $0 | $7,100 | none | 3 of 5 |
| Wellcare AssistH5475-038 · HMO-POS | $0 | $7,100 | none | 3 of 5 |
| AARP Medicare Advantage from UHC MI-0001H0294-017 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| PriorityMedicare ThriveH4875-024 · PPO | $0 | $7,150 | none | 4 of 5 |
| Medicare Plus Blue GivebackH9572-008 · PPO | $0 | $9,250 | $50 | 4.5 of 5 |
| Humana Full Access GivebackH5216-306 · PPO | $0 | $9,850 | $99 | 3.5 of 5 |
| Humana Value PlusH5216-382 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Wellcare GivebackH5475-031 · HMO-POS | $0 | $9,850 | $81.50 | 3 of 5 |
Show the other 18 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Full Access GivebackH7617-058 · PPO | $0 | $9,850 | $99 | 4.5 of 5 |
| PriorityMedicare AlignH2320-033 · HMO-POS | $6.30 | $6,800 | none | 4.5 of 5 |
| Medicare Plus Blue EssentialH9572-004 · PPO | $38.20 | $7,150 | none | 4.5 of 5 |
| Humana Full AccessH5216-011 · PPO | $41 | $4,800 | none | 3.5 of 5 |
| BCN Advantage Prime ValueH5883-014 · HMO-POS | $41 | $6,000 | $6 | 4.5 of 5 |
| Medicare Plus Blue + MeijerH9572-007 · PPO | $45 | $6,750 | $12.10 | 4.5 of 5 |
| Humana Gold ChoiceH8145-006 · PFFS | $60 | $7,800 | none | 3.5 of 5 |
| PriorityMedicare Thrive PlusH4875-018 · PPO | $68 | $6,600 | none | 4 of 5 |
| AARP Medicare Advantage from UHC MI-0002H0294-018 · PPO | $70 | $5,900 | none | 3.5 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 | $101.80 | $5,000 | none | 4.5 of 5 |
| BCN Advantage ClassicH5883-002 · HMO-POS | $127 | $4,800 | none | 4.5 of 5 |
| Medicare Plus Blue SignatureH9572-001 · PPO | $131 | $4,300 | none | 4.5 of 5 |
| PriorityMedicareH2320-028 · HMO-POS | $131 | $5,100 | none | 4.5 of 5 |
| PriorityMedicare MeritH4875-016 · PPO | $163 | $5,000 | none | 4 of 5 |
| Medicare Plus Blue AssureH9572-003 · PPO | $255.40 | $4,000 | none | 4.5 of 5 |
| BCN Advantage PrestigeH5883-003 · HMO-POS | $256 | $4,400 | 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 St. Joseph 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 |
|---|---|---|
| Wellcare Simple OpenH2117-001 | 56 | Not offered |
| Wellcare Patriot Giveback OpenH2117-003 | 22 | Not offered |
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 |
|---|---|---|
| UHC Complete Care MI-5H2736-002 | Chronic or Disabling Condition | $0 |
| HumanaChoice: Diabetes and HeartH5216-375 | Chronic or Disabling Condition | $0 |
| UHC Complete Care Support MI-3H0294-048 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete MI-Y1H2247-006 | Dual-Eligible | $0 |
| Wellcare Meridian Dual AlignH7435-001 | Dual-Eligible | $0 |
| Aetna Medicare HIDEH9314-001 | Dual-Eligible | $0 |
| PriorityMedicare Dual PremierH8379-003 | 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 St. Joseph use Medicare Advantage?
8,307 of the county's 14,455 people with Medicare were in a Medicare Advantage plan in September 2026, 57.5%; 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