Medicare Advantage Plans in Oakland County, MI:
Your Complete 2026 Guide
In Oakland County, MI, Medicare beneficiaries have 73 Medicare Advantage plans to consider for 2026. Among them, 44 are offered at a $0 premium. About 77,016 people in the County are currently enrolled, and 66% 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.
Page last revised:
Enrollment data refreshed: December 15, 2025
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs may appeal to people who want more choice in doctors and hospitals.
- Total PPO Plans 38
- Average Premium $30.82/mo
- Beneficiaries Enrolled 53,161
- $0 Premium PPOs 24
- Average MOOP $6,017
- Most Popular PPO Medicare Plus Blue Essential (PPO) with 13,054 enrollees
- PPOs Without Drug Coverage 6
What is the total number of PPO plans offered in Oakland?
There are 38 PPO plans in 2026, covering 53,161 beneficiaries.
How much do PPO plans cost on average in Oakland?
The average PPO premium is $30.82, with 24 costing $0.
What is the most popular PPO plan in Oakland?
Medicare Plus Blue Essential (PPO) is the top PPO in Oakland, with 13,054 enrollees.
What is the number of PPO plans without Part D coverage in Oakland?
There are 6 PPO plans in Oakland without prescription drug coverage.
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
- 14
- Average Premium
- $10.34/mo
- Beneficiaries Enrolled
- 8,093
- $0 Premium HMOs
- 11
- Average MOOP
- $5,246
- Most Popular HMO
- HAP Medicare Connect (HMO) with 3,768 enrollees
- HMOs Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| BCN Advantage ConnectedCare | $41 | $4,400 | $125 | |
| HAP Medicare Connect | $0 | $5,000 | $150 | |
| HAP Medicare MedicalAccess | $0 | $4,500 | N/A | |
| HAP Medicare Superior | $0 | $5,100 | $150 | |
| HAP Senior Plus Henry Ford Tiered Access | $95 | $4,750 | $0 | |
| Henry Ford Select | $0 | $3,500 | $150 | |
| Trinity Health Plan of Michigan Cash Back | $0 | $7,500 | $275 | |
| Trinity Health Plan of Michigan Glory No RX | $0 | $6,500 | N/A | |
| Trinity Health Plan of Michigan No Premium | $0 | $4,500 | $100 | |
| McLaren Medicare Inspire | $0 | $6,300 | $615 | |
| McLaren Medicare Inspire Plus | $9 | $5,900 | $500 | |
| McLaren Medicare Inspire Select | $0 | $6,750 | $615 | |
| Zing Elite Select MI | $0 | $4,500 | $0 | |
| Zing Select Care MI | $0 | $4,250 | $0 |
What is the average monthly premium for HMO plans?
On average, HMO plans in Oakland cost $10.34 per month.
Which HMO plan is most popular in Oakland?
The leading HMO in Oakland is HAP Medicare Connect (HMO), with 3,768 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
With HMO Point-of-Service (HMO-POS) plans, you can enjoy the cost savings of an HMO while still having the flexibility to see out-of-network providers when necessary. Though out-of-network care typically costs more, this type of plan offers a good middle ground for those who want some freedom in their provider choices.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Erickson Advantage Freedom | $89 | $4,900 | $355 | |
| Erickson Advantage Liberty | $14 | $6,750 | $600 | |
| Erickson Advantage Liberty no Rx | $0 | $6,750 | N/A | |
| Erickson Advantage Signature | $182 | $2,900 | $270 | |
| BCN Advantage Classic | $145 | $4,400 | $0 | |
| BCN Advantage Elements | $0 | $4,500 | N/A | |
| BCN Advantage Prestige | $267 | $4,000 | $0 | |
| BCN Advantage Prime Value | $35 | $5,000 | $150 | |
| Priority Health Medicare PriorityMedicare | $66 | $4,500 | $0 | |
| PriorityMedicare Key | $0 | $5,800 | $200 | |
| PriorityMedicare Smart Savings | $0 | $9,250 | $500 | |
| PriorityMedicare Value | $43 | $5,100 | $100 | |
| PriorityMedicare Vintage | $9 | $5,600 | $615 | |
| HAP Senior Plus | $105 | $4,550 | $0 | |
| Aetna Medicare Prime Care | $0 | $5,900 | $615 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | |
| Humana Gold Plus H8908-001 | $35 | $3,950 | $200 | |
| Humana Gold Plus H8908-004 | $0 | $4,250 | $250 | |
| Wellcare Assist | $9 | $5,000 | $580 | |
| Wellcare Giveback | $0 | $7,550 | $615 | |
| Wellcare Simple | $0 | $5,000 | $615 |
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 5,421 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 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 5% |
| 4 Stars (includes 5 Stars) | 48 | 66% |
| 3 Stars | 23 | 32% |
| Below 3 Stars | 2 | 3% |
| Not Rated | 0 | 0% |
| Average Rating | 3.95 | |
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): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following 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
How to Sign Up for a Medicare Advantage Plan
- Licensed Agent Assistance: For one-on-one guidance, contact HealthCompare at 1-833-748-3201 (TTY 711). Agents are available Monday through Friday 5am–6pm and Saturday 6am–5pm PST.
- 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.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: 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, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, 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(R), Wellcare, WellPoint
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed December 15, 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 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
- Medicare.gov, "Joining a plan" — 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 2026 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 managed by David Bynon, Medicare Analyst.