Medicare Supplement Insurance (Medigap) helps Michigan seniors and certain disabled residents manage healthcare expenses not fully covered by Original Medicare, including deductibles, coinsurance, and copayments. Residents of Michigan can choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Michigan
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 136,205 |
| 2 | F | 116,714 |
| 3 | N | 63,410 |
Did you know? Michigan is one of the few states where Plan G has already surpassed Plan F in total enrollment, signaling a major shift as new beneficiaries look for lower premiums without sacrificing coverage.
How Medigap Pricing Works in Michigan
Premiums for Medigap policies can increase in different ways depending on the pricing model used. Michigan insurers may apply one of the following methods:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at the time of purchase and rise with inflation, not age.
- Community rated – All policyholders pay the same premium regardless of age.
Under-65 Eligibility in Michigan
Michigan law is less protective of under-65 beneficiaries than many other states. Medigap insurers in Michigan are not required to sell policies to individuals under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). If coverage is offered, premiums may differ significantly from those charged to beneficiaries over 65, making it important for younger enrollees to compare costs carefully.
Choosing a Medigap Plan in Michigan
With Plan G leading enrollment and Plan N attracting cost-conscious buyers, Michigan residents have several strong choices depending on their health needs and budget. Every Medigap plan works nationwide at any provider that accepts Medicare, giving seniors confidence whether they’re receiving care in Detroit, Grand Rapids, or beyond.
To review premiums in your area and compare coverage side by side, visit our Medigap rate comparison tool.