Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

HAP Medicare Explore, 2027

H2322Contract011Plan

PPO · 60 counties in Michigan

Run by Alliance Health and Life Insurance Company (contract H2322), sold as Health Alliance Plan by Henry Ford Health, owned by Henry Ford Health System

Renews for 2027

2026 star rating, contract H2322: 4 of 5

HAP Medicare Explore (H2322-011) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $6,050 ($5,400 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$5,400	$6,050	up $650
Drug deductible	$200	$400	up $200
Specialist visit	$45 copay	$50 copay	up $5
Medical deductible, in network	none	$275	added
Hospital stay, in network	$350 a day for days 1–6, then $0 a day for days 7–90	$390 a day for days 1–6, then $0 a day for days 7–90	up $200for a 5-day stay
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–100	$10 a day for days 1–20, then $221 a day for days 21–100	up $230for a 30-day stay
Over-the-counter items, yearly	$300 a year	not offered	dropped
Counties served	57	60	up 3
Drug tier 2, generic	$17	$15	down $2
Drug tier 3, preferred brand	17% of the cost	22% of the cost	up 5 points
Drug tier 4, non-preferred drug	39% of the cost	42% of the cost	up 3 points
Drug tier 5, specialty tier	30% of the cost	29% of the cost	down 1 point
9 lines do not change
Monthly premium	$0	$0	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Emergency room	$130 copay	$130 copay	no change
Ground ambulance, in network	$300 copay	$300 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$150 a year	$150 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Drug tier 1, preferred generic	$9	$9	no change

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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$9	$9	$0
Tier 2	Generic	$17	$15	$9
Tier 3	Preferred Brand	17% of the cost	22% of the cost	20% of the cost
Tier 4	Non-Preferred Drug	39% of the cost	42% of the cost	40% of the cost
Tier 5	Specialty Tier	30% of the cost	29% of the cost	29% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 79 plans open to everyone are sold for 2027, this one included. Against the others, 35 plans have a lower out-of-pocket limit, 43 a higher one. On the premium, 53 the same, 25 a higher one.

Out-of-pocket limits of the 79 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,00033 plans

$6,000 to under $8,000 (this plan)34 plans

$8,000 to $10,00012 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 60 counties: $0 a month and $6,050.

Michigan

Allegan Antrim Arenac Barry Bay Benzie Berrien Branch Calhoun Charlevoix Clare Clinton Crawford Eaton Genesee Gladwin Grand Traverse Gratiot Hillsdale Huron Ingham Ionia Iosco Isabella Jackson Kalamazoo Kalkaska Kent Lake Lapeer Leelanau Lenawee Livingston Macomb Manistee Mason Mecosta Midland Missaukee Monroe Montcalm Montmorency Muskegon Newaygo Oakland Oceana Ogemaw Osceola Otsego Ottawa Roscommon Saginaw Sanilac Shiawassee St. Clair Tuscola Van Buren Washtenaw Wayne Wexford

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H2322-011
Legal name of the contract: Alliance Health and Life Insurance Company
Sold as: Health Alliance Plan by Henry Ford Health
Parent company: Henry Ford Health System
Plan type: PPO
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 3.5 of 5
Members, September 2026: 7,687
Plan website, as filed with CMS: www.hap.org/medicare

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Oakland, MIWhere most of its members live; premiums and limits side by side
Every Health Alliance Plan by Henry Ford Health plan for 2027Its contracts, counties and plans that end
The other 4 plans of contract H2322Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.