Medicare Advantage plans in Sanilac, MI, 2027
Sanilac, Michigan has 46 Medicare Advantage plans open to everyone for 2027 (49 in 2026) and 20 special needs plans, according to the CMS landscape files; 30 of the open plans have a $0 premium. 8 plans that served the county in 2026 end or leave it, with 658 members living here in September 2026.
What changes in Sanilac for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 49 | 46 | ▼down 3 |
| Special needs plans | 21 | 20 | ▼down 1 |
| Plans with a $0 premium | 31 | 30 | ▼down 1 |
| Plans that lower the Part B premium | 19 | 14 | ▼down 5 |
| Median out-of-pocket limit | $5,400 | $6,025 | ▲up $625 |
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 Sanilac join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Gold PlusH8908-004 · HMO-POS | $0 | $4,400 | none | 3 of 5 |
| HAP Medicare MedicalAccessH2354-019 · HMO | $0 | $4,500 | $105 | 4 of 5 |
| BCN Advantage ElementsH5883-017 · HMO-POS | $0 | $4,500 | $20 | 4.5 of 5 |
| Aetna Medicare SignatureH5521-285 · PPO | $0 | $5,200 | none | 4.5 of 5 |
| Aetna Medicare EagleH5521-286 · PPO | $0 | $5,200 | $70 | 4.5 of 5 |
| HAP Medicare ConnectH2354-015 · HMO | $0 | $5,600 | none | 4 of 5 |
| HAP Medicare SuperiorH2354-028 · HMO | $0 | $5,800 | none | 4 of 5 |
| AARP Medicare Advantage from UHC MI-4H2736-001 · HMO-POS | $0 | $5,900 | none | not rated |
| HAP Medicare ExploreH2322-011 · PPO | $0 | $6,050 | none | 4 of 5 |
| Aetna Medicare SignatureH3192-010 · HMO-POS | $0 | $6,350 | none | 3 of 5 |
| HAP Medicare PrimeH2322-016 · PPO | $0 | $6,400 | none | 4 of 5 |
| Trinity Health Plan of Michigan No PremiumH9179-001 · HMO | $0 | $6,500 | none | 4.5 of 5 |
| Trinity Health Plan of Michigan Glory No RXH9179-003 · HMO | $0 | $6,500 | $100 | 4.5 of 5 |
| 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 |
| McLaren Medicare InspireH6322-001 · HMO | $0 | $6,600 | none | 3 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 |
| McLaren Medicare Inspire GivebackH6322-008 · HMO | $0 | $6,750 | $70 | 3 of 5 |
Show the other 26 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Medicare Plus Blue ValueH9572-010 · PPO | $0 | $6,750 | none | 4.5 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 LatitudeH2320-034 · HMO-POS | $0 | $9,850 | none | 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 |
| Humana Full Access GivebackH7617-058 · PPO | $0 | $9,850 | $99 | 4.5 of 5 |
| Trinity Health Plan of Michigan Cash BackH9179-002 · HMO | $0 | $9,850 | $145 | 4.5 of 5 |
| HAP Member AssistH2322-017 · PPO | $6.30 | $5,600 | none | 4 of 5 |
| McLaren Medicare Inspire PlusH6322-002 · HMO | $20 | $5,900 | none | 3 of 5 |
| Humana Full AccessH5216-011 · PPO | $41 | $4,800 | none | 3.5 of 5 |
| Trinity Health Plan of Michigan PlusH9179-004 · HMO | $69 | $5,900 | none | 4.5 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 | $100 | $5,000 | none | 4.5 of 5 |
| HAP Senior PlusH2354-021 · HMO-POS | $105 | $4,650 | none | 4 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 |
| HAP Senior PlusH2322-008 · PPO | $165 | $4,450 | 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 Sanilac 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 Thrive PlusH4875-018 | 226 | Leaves the county |
| PriorityMedicare ThriveH4875-024 | 221 | Leaves the county |
| PriorityMedicare KeyH2320-022 | 182 | Leaves the county |
| Wellcare Simple OpenH2117-001 | 16 | Not offered |
| Wellcare Dual Access OpenH2117-002 | 13 | Not offered |
| Wellcare Patriot Giveback OpenH2117-003 | fewer than 11 | Not offered |
| Wellcare Dual ReserveH5475-039 | fewer than 11 | Not offered |
| Humana Gold Plus Chronic Kidney DiseaseH8908-006 | fewer than 11 | 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 |
| Premier CareH6832-004 | Institutional | $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 Advantage MI-V1H2247-003 | Dual-Eligible | $0 |
| UHC Dual Complete MI-Q1H2247-001 | Dual-Eligible | $0 |
| UHC Dual Complete MI-S3H2247-004 | Dual-Eligible | $0 |
| Aetna Medicare Dual CareH3192-007 | Dual-Eligible | $0 |
| Humana Dual SelectH5216-385 | Dual-Eligible | $0 |
| Wellcare Meridian Health Dual AccessH5475-001 | Dual-Eligible | $0 |
| Wellcare Meridian Health Dual LibertyH7435-002 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH8908-005 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH8908-007 | 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 |
| HAP Medicare Complete AssistH2322-020 | Dual-Eligible | $6.30 |
| HAP Medicare Complete DualsH2354-025 | Dual-Eligible | $6.30 |
| HAP Medicare Diabetes and HeartH2354-030 | Chronic or Disabling Condition | $6.30 |
| Senior CareH6832-001 | Institutional | $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 Sanilac use Medicare Advantage?
6,929 of the county's 11,762 people with Medicare were in a Medicare Advantage plan in September 2026, 58.9%; 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