Medicare plans
St. Joseph County, MI
45 Medicare Advantage plans and 11 drug-only plans are offered in St. Joseph County, MI for 2027. 27 of the Advantage plans have a $0 monthly premium.
License: a US government work, in the public domain (Public Domain Mark 1.0).
Data only, not plan advice. Confirm on Medicare.gov Plan Finder or 1-800-MEDICARE.
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Plans by type
| Type | Plans |
|---|---|
| Advantage without drug coverage | 6 |
| Advantage with drugs | 39 |
| Drug only | 11 |
| All plans | 56 |
7 of these are Special Needs Plans (SNPs), open only to people who qualify: 4 D-SNP for people with both Medicare and Medicaid and 3 C-SNP for people with certain chronic conditions. The 11 drug-only plans are listed for all of Michigan.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
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Premiums and out-of-pocket limits
| Measure | 2027 |
|---|---|
| Advantage monthly premium | $0 to $256 |
| Advantage plans at $0 | 27 |
| Advantage out-of-pocket maximum (in network) | $4,000 to $9,850 |
| Drug-only monthly premium | $5.30 to $136.70 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Star Ratings
| Overall rating | Advantage plans |
|---|---|
| 3 stars | 8 |
| 3.5 stars | 3 |
| 4 stars | 11 |
| 4.5 stars | 18 |
| Too new to rate | 5 |
29 Advantage plans in St. Joseph County, MI have an overall rating of 4 stars or more.
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Change from 2026
St. Joseph County, MI has 45 Advantage plans in 2027, 1 more than 2026 (44). 7 plans are new to the county and 6 plans offered here in 2026 are gone. $0 plans go from 21 to 27.
| Advantage plans | 2026 | 2027 |
|---|---|---|
| Offered in the county | 44 | 45 |
| At a $0 premium | 21 | 27 |
| New for 2027 | 7 | |
| Offered in 2026, gone in 2027 | 6 |
Offered here in 2026, not in 2027
- Wellcare Simple Open (PPO) (H2117-001, Centene Corporation)
- Wellcare Patriot Giveback Open (PPO) (H2117-003, Centene Corporation)
- UHC Dual Complete MI-Y1 (HMO D-SNP) (H2247-005, UnitedHealth Group, Inc.)
- Humana USAA Honor Giveback with Rx (PPO) (H5216-305, Humana Inc.)
- BCN Advantage Elements (HMO-POS) (H5883-001, Blue Cross Blue Shield of Michigan Mutual Ins. Co.)
- Humana USAA Honor Giveback with Rx (PPO) (H7617-071, Humana Inc.)
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Plans by parent organization
| Parent organization | Advantage | Drug only | Total |
|---|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Ins. Co. | 11 | 2 | 13 |
| Centene Corporation | 4 | 2 | 6 |
| Corewell Health | 9 | 0 | 9 |
| CVS Health Corporation | 1 | 1 | 2 |
| Health Care Service Corporation | 0 | 1 | 1 |
| Humana Inc. | 12 | 3 | 15 |
| UnitedHealth Group, Inc. | 8 | 2 | 10 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Every 2027 plan in St. Joseph County, MI
56 plans, by plan name. Select a column to sort. Plan types: HMO (health maintenance organization) means you generally must use the plan's network of doctors and hospitals, except in an emergency; HMO-POS is an HMO with a point-of-service option that may cover some care outside the network, usually at a higher cost; PPO (preferred provider organization) means you can see doctors outside the network, usually at a higher cost; a Regional PPO is a PPO offered across a whole CMS region of one or more states; and PFFS (private fee-for-service) means the plan sets what it pays, and you can use any Medicare provider that accepts the plan's terms.
| Plan ↑ | Type | Premium | Out-of-pocket max | Drug deductible | Stars |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC MI-0001 (PPO)H0294-017-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $0 | $7,150 | $685 | 3 |
| AARP Medicare Advantage from UHC MI-0002 (PPO)H0294-018-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $70 | $5,900 | $685 | 3 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS)H2736-001-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $5,900 | $685 | Too new to rate |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)H0294-022-000 · UnitedHealth Group, Inc. | Advantage without drug coveragePPO | $0 | $6,700 | n/a | 3 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)H2736-004-000 · UnitedHealth Group, Inc. | Advantage without drug coverageHMO-POS | $0 | $6,700 | n/a | Too new to rate |
| AARP Medicare Rx Preferred from UHC (PDP)S5921-394-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $136.70 | n/a | $300 | 3 |
| AARP Medicare Rx Saver from UHC (PDP)S5921-358-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $58.40 | n/a | $700 | 3 |
| Aetna Medicare HIDE (HMO D-SNP)H9314-001-000 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | Too new to rate |
| BCN Advantage Classic (HMO-POS)H5883-002-002 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsHMO-POS | $127 | $4,800 | $200 | 4.5 |
| BCN Advantage Elements (HMO-POS)H5883-017-000 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage without drug coverageHMO-POS | $0 | $4,500 | n/a | 4.5 |
| BCN Advantage Prestige (HMO-POS)H5883-003-002 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsHMO-POS | $256 | $4,400 | $100 | 4.5 |
| BCN Advantage Prime Value (HMO-POS)H5883-014-002 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsHMO-POS | $41 | $6,000 | $600 | 4.5 |
| HealthSpring Assurance Rx (PDP)S5715-034-000 · Health Care Service Corporation | Drug onlyPDP | $9.30 | n/a | $700 | 2.5 |
| Humana Basic Rx Plan (PDP)S5884-136-000 · Humana Inc. | Drug onlyPDP | $6.30 | n/a | $700 | 4.5 |
| Humana Full Access (PPO)H5216-011-000 · Humana Inc. | Advantage with drugsPPO | $41 | $4,800 | $450 | 4 |
| Humana Full Access (PPO)H5216-384-000 · Humana Inc. | Advantage with drugsPPO | $0 | $5,200 | $600 | 4 |
| Humana Full Access (PPO)H7617-052-000 · Humana Inc. | Advantage with drugsPPO | $0 | $5,200 | $600 | 4.5 |
| Humana Full Access Giveback (PPO)H5216-306-000 · Humana Inc. | Advantage with drugsPPO | $0 | $9,850 | $150 | 4 |
| Humana Full Access Giveback (PPO)H7617-058-000 · Humana Inc. | Advantage with drugsPPO | $0 | $9,850 | $150 | 4.5 |
| Humana Full Access R0110-014 (Regional PPO)R0110-014-000 · Humana Inc. | Advantage with drugsRegional PPO | $89 | $7,050 | $700 | 3.5 |
| Humana Gold Choice H8145-006 (PFFS)H8145-006-000 · Humana Inc. | Advantage with drugsPFFS | $60 | $7,800 | $700 | 4 |
| Humana Premier Rx Plan (PDP)S5884-159-000 · Humana Inc. | Drug onlyPDP | $104.30 | n/a | $350 | 4.5 |
| Humana USAA Honor Giveback (PPO)H5216-190-000 · Humana Inc. | Advantage without drug coveragePPO | $0 | $6,550 | n/a | 4 |
| Humana USAA Honor Giveback (PPO)H7617-054-000 · Humana Inc. | Advantage without drug coveragePPO | $0 | $6,550 | n/a | 4.5 |
| Humana Value Plus H5216-382 (PPO)H5216-382-000 · Humana Inc. | Advantage with drugsPPO | $0 | $9,850 | $0 | 4 |
| Humana Value Rx Plan (PDP)S5884-192-000 · Humana Inc. | Drug onlyPDP | $17.20 | n/a | $687 | 4.5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP)H5216-375-000 · Humana Inc. | Advantage with drugsPPO C-SNP | $0 | $6,950 | $400 | 4 |
| HumanaChoice R0110-013 (Regional PPO)R0110-013-000 · Humana Inc. | Advantage without drug coverageRegional PPO | $0 | $6,550 | n/a | 3.5 |
| Medicare Plus Blue + Meijer (PPO)H9572-007-001 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $45 | $6,750 | $400 | 4.5 |
| Medicare Plus Blue Assure (PPO)H9572-003-002 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $255.40 | $4,000 | $100 | 4.5 |
| Medicare Plus Blue Essential (PPO)H9572-004-002 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $38.20 | $7,150 | $400 | 4.5 |
| Medicare Plus Blue Giveback (PPO)H9572-008-000 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $0 | $9,250 | $600 | 4.5 |
| Medicare Plus Blue Secure (PPO)H9572-009-000 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $0 | $7,000 | $435 | 4.5 |
| Medicare Plus Blue Signature (PPO)H9572-001-002 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $131 | $4,300 | $200 | 4.5 |
| Medicare Plus Blue Vitality (PPO)H9572-002-002 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $101.80 | $5,000 | $250 | 4.5 |
| Prescription Blue Premium (PDP)S5584-002-000 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Drug onlyPDP | $80.30 | n/a | $125 | 4 |
| Prescription Blue Select (PDP)S5584-001-000 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Drug onlyPDP | $49.80 | n/a | $700 | 4 |
| PriorityMedicare (HMO-POS)H2320-028-004 · Corewell Health | Advantage with drugsHMO-POS | $131 | $5,100 | $0 | 4.5 |
| PriorityMedicare Align (HMO-POS)H2320-033-002 · Corewell Health | Advantage with drugsHMO-POS | $6.30 | $6,800 | $700 | 4.5 |
| PriorityMedicare Dual Premier (HMO D-SNP)H8379-003-003 · Corewell Health | Advantage with drugsHMO D-SNP | $6.30 | $9,850 | $700 | 3.5 |
| PriorityMedicare Edge (PPO)H4875-020-002 · Corewell Health | Advantage with drugsPPO | $0 | $7,100 | $300 | 4 |
| PriorityMedicare Key (HMO-POS)H2320-022-002 · Corewell Health | Advantage with drugsHMO-POS | $0 | $6,950 | $300 | 4.5 |
| PriorityMedicare Merit (PPO)H4875-016-002 · Corewell Health | Advantage with drugsPPO | $163 | $5,000 | $0 | 4 |
| PriorityMedicare Thrive (PPO)H4875-024-002 · Corewell Health | Advantage with drugsPPO | $0 | $7,150 | $400 | 4 |
| PriorityMedicare Thrive Plus (PPO)H4875-018-002 · Corewell Health | Advantage with drugsPPO | $68 | $6,600 | $225 | 4 |
| PriorityMedicare Value (HMO-POS)H2320-029-004 · Corewell Health | Advantage with drugsHMO-POS | $80 | $6,000 | $225 | 4.5 |
| SilverScript Choice (PDP)S5601-026-000 · CVS Health Corporation | Drug onlyPDP | $100.50 | n/a | $700 | 2.5 |
| UHC Complete Care MI-5 (HMO-POS C-SNP)H2736-002-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS C-SNP | $0 | $5,900 | $685 | Too new to rate |
| UHC Complete Care Support MI-3 (PPO C-SNP)H0294-048-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO C-SNP | $0 | $7,150 | $700 | 3 |
| UHC Dual Complete MI-Y1 (HMO D-SNP)H2247-006-001 · UnitedHealth Group, Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $450 | 3 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
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Neighboring counties
- Branch County68 Advantage plans, 45 at $0
- Calhoun County61 Advantage plans, 36 at $0
- Cass County55 Advantage plans, 38 at $0
- Elkhart County, IN64 Advantage plans, 40 at $0
- Kalamazoo County61 Advantage plans, 35 at $0
- LaGrange County, IN45 Advantage plans, 28 at $0
- Van Buren County63 Advantage plans, 39 at $0
Health data for St. Joseph County, MI
About this data
Plans, premiums, out-of-pocket maximums, and drug deductibles come from the CMS CY2027 Medicare Advantage and Part D landscape file. Change from 2026 compares it with the CY2026 landscape. Stars are the 2027 Star Ratings CMS released October 8, 2026: the overall rating for Advantage plans and the Part D summary rating for drug-only plans, which have no overall rating.
Advantage counts include Special Needs Plans (SNPs), which are open only to people who qualify: D-SNPs for people with both Medicare and Medicaid, C-SNPs for people with certain chronic conditions, and I-SNPs for people who live in a nursing home or need that level of care at home. Drug-only plans are listed by CMS for a whole state, so every county page shows them. Employer group plans are not in the file. This page lists plans; it does not say which plan fits anyone, and Rivvi does not sell plans.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page