Medicare Advantage Plans in Oakland County, MI:
Your Complete 2027 Guide
In Oakland County, MI, Medicare beneficiaries have 64 Medicare Advantage plans to consider for 2027. Among them, 41 are offered at a $0 premium. About 75,880 people in the County are currently enrolled, and 61% of plans are rated 4 stars or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Oakland County, MI here. For a broader view beyond Medicare Advantage, see all Medicare coverage options in Oakland County.
Page last revised:
Enrollment data refreshed: October 5, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
PPO, or Preferred Provider Organization, plans give Medicare beneficiaries the ability to see a wide range of providers. These plans cover in-network care at the lowest cost but also include the option to use out-of-network providers for a higher fee, offering added choice compared with other plan types.
What is the total number of PPO plans offered in Oakland?
Oakland County has 32 PPO plans for 2027, with enrollment of 53,806.
How much do PPO plans cost on average in Oakland?
The mean monthly PPO premium in Oakland is $38.72, and 20 plans have no premium.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 15
- Average Premium
- $15.60/mo
- Beneficiaries Enrolled
- 10,659
- $0 Premium HMOs
- 11
- Average MOOP
- $6,127
- Most Popular HMO
- HAP Medicare Superior (HMO) with 3,254 enrollees
- HMOs Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| BCN Advantage ConnectedCare | $50 | $4,800 | $100 | H5883 007 0 | |
| HAP Medicare Connect | $0 | $5,600 | $200 | H2354 015 0 | |
| HAP Medicare MedicalAccess | $0 | $4,500 | N/A | H2354 019 0 | |
| HAP Medicare Superior | $0 | $5,800 | $200 | H2354 028 0 | |
| HAP Senior Plus Henry Ford Tiered Access | $95 | $4,750 | $0 | H2354 018 0 | |
| Henry Ford Select | $0 | $4,950 | $200 | H2354 029 0 | |
| Zing Elite Select MI | $0 | $6,750 | $350 | H4624 022 0 | |
| Zing Select Care MI | $0 | $6,750 | $500 | H4624 006 0 | |
| McLaren Medicare Inspire | $0 | $6,600 | $615 | H6322 001 0 | |
| McLaren Medicare Inspire Giveback | $0 | $6,750 | $615 | H6322 008 0 | |
| McLaren Medicare Inspire Plus | $20 | $5,900 | $500 | H6322 002 0 | |
| Trinity Health Plan of Michigan Cash Back | $0 | $9,850 | $375 | H9179 002 0 | |
| Trinity Health Plan of Michigan Glory No RX | $0 | $6,500 | N/A | H9179 003 0 | |
| Trinity Health Plan of Michigan No Premium | $0 | $6,500 | $350 | H9179 001 0 | |
| Trinity Health Plan of Michigan Plus | $69 | $5,900 | $250 | H9179 004 0 |
- What is the average monthly premium for HMO plans?
- On average, HMO plans in Oakland cost $15.60 per month.
- Which HMO plan is most popular in Oakland?
- The leading HMO in Oakland is HAP Medicare Superior (HMO), with 3,254 members.
- How many HMO plans in Oakland do not include drug coverage?
- There are 2 HMO plans available in Oakland without Part D benefits.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 17
- Average Premium $45.31/mo
- Beneficiaries Enrolled 11,415
- $0 Premium HMO-POS 10
- Average MOOP $6,285
- Most Popular HMO-POS BCN Advantage Prime Value (HMO-POS) with 2,233 enrollees
- HMO-POS Without Drug Coverage 2
What is the total number of HMO-POS plans in Oakland?
There are 17 HMO-POS plans in 2027, covering 11,415 beneficiaries.
How much do HMO-POS plans cost on average in Oakland?
The average HMO-POS premium is $45.31, with 10 costing $0.
What is the leading HMO-POS plan in Oakland?
BCN Advantage Prime Value (HMO-POS) is the most popular HMO-POS plan in Oakland, with 2,233 enrollees.
What is the number of HMO-POS plans without Part D coverage in Oakland?
2 HMO-POS plans in Oakland do not include drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Oakland County, MI for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 38 | 61% |
| 3 Stars | 24 | 39% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 2 | 3% |
| Average Rating | 3.86 | |
In Oakland County, Medicare Advantage enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): Each fall, from October 15 to December 7, Medicare beneficiaries can review their coverage and make changes for the next plan year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Birmingham, Clawson, Franklin, Hazel Park, Southfield, Royal Oak, Pleasant Ridge, Huntington Woods, Madison Heights, Berkley, Troy, New Hudson, South Lyon, Ferndale, Oak Park, Bloomfield Hills, Rochester, Keego Harbor, West Bloomfield, Auburn Hills, Waterford, Farmington, Pontiac, Clarkston, Davisburg, Highland, Lake Orion, Oakland, Leonard, Oxford, Novi, Milford, Commerce Township, White Lake, Walled Lake, Wixom, Holly, Ortonville, and all other areas of Oakland County, Michigan. For a broader view of coverage choices across the state, see Medicare plan options in Michigan.
Plans Offered through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2027 Medicare Advantage plans available in Oakland County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.