What Medicare Costs in Michigan in 2026: Part B Plus Plan G

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Michigan filed-rate data pulled September 10, 2026, CSG Actuarial · Wayne County (ZIP 48111)

Plan G costs a 65-year-old in Wayne County $113.48 to $373.11 a month (CSG Actuarial filings, pulled September 10, 2026). The price depends on which of 28 Michigan carriers she signs with. Add the $202.90 Part B premium. The whole Medicare bill then runs $316.38 to $576.01 a month, before a drug plan. Same plan letter, same claims paid. The $259.63 between those two carriers is $3,116 a year.

One name sits under the rest of that list. Members Health files Plan G at $113.48 in Wayne County. State Farm is next at $149.18. So the bill is $316.38 with the first name and $352.08 with the second. That is $428 a year on one line of the application. The next 10 carriers, starting with State Farm, sit inside $33.76 of each other. This page reads the Wayne County table first, then walks the state.

Carriers pay the broker; the price you pay is the same either way.

Two Michigan Bills, Side by Side

Both bills buy the same coverage. Plan G skips the $283 Part B deductible, so she pays that herself. Past it, either policy picks up the rest. That means Medicare-approved doctor and hospital charges. Both cover the $1,736 Part A hospital deductible. The extra $259.63 a month buys a different name on the card. Nothing else. Over 20 years, before one rate increase, that is $62,311. The top of the Wayne County table is 229% above the bottom.

The step that costs the most is the first one. Take the second-cheapest Wayne County filing, State Farm at $149.18, and the whole bill is $352.08 a month, $4,225 a year.

The Plan G Line From 65 to 80 in Wayne County

Part B is $202.90 at every age. The Plan G line is the part that moves. 26 of the 28 carriers in this table price on attained age. The premium steps up at each birthday, before any block filing. AARP / UnitedHealthcare is the one community-rated carrier in the table. Everence Association is the one issue-age carrier.

Source: CSG Actuarial filed rates, pulled September 10, 2026. Profile: female, non-tobacco, individual, ZIP 48111 (Wayne County), no household discount. The file carries Plan F rows only at 72 and older. Plan F is also closed to anyone first eligible for Medicare on or after January 1, 2020. So this page carries no Plan F table.

Members Health holds the cheapest seat at 65 in Wayne County at $113.48. At 70 it is still cheapest, at $128.39. By 75 Members Health is $156.45. By 80 it is $182.51, $69.03 above its age-65 rate before a single filing. That climb is attained-age pricing doing what the filing says it will do.

The Cheapest Michigan Bill in 16 Counties

Members Health holds the floor in 14 of these 16 counties. Michigan carriers file by rating area, 44 of them across 83 counties. The cheapest filed Plan G at 65 anywhere in the file is $113.48 (Members Health) in Arenac County. The highest county floor is $126.08 in Oscoda County, a $12.60 range on the bottom row.

Each county quoted through the ZIP with the largest land overlap. Median is the middle carrier of those quoting in that county.

Read the last money column. Every county here lands between $316.38 and $326.27 for Part B plus the cheapest Plan G. Grand Traverse and Marquette counties are the exception. They came back with 27 carriers instead of 28, and a different name at the bottom, SilverScript (Aetna) at $123.37. I still ask every Michigan caller for the county first. It sets which carriers are on the list.

Plan N in Michigan: What the Copays Buy Back

Members Health files the cheapest Wayne County Plan N at 65: $89.47. That is $24.01 under the cheapest Plan G, or $288 a year. In exchange, Plan N charges up to $20 at some office visits. It charges up to $50 at the emergency room. That applies when the visit does not end in admission. Plan N also leaves out Part B excess charges, which Plan G covers. The Part B deductible of $283 is not paid by either plan.

Same Wayne County profile as the Plan G table.

The $89.47 from Members Health carries a June 1, 2025 effective date. Plan N has 51,429 Michigan lives against 159,198 on Plan G (NAIC, December 2023, statewide by plan letter). Most callers I hear from price Plan G first. The Plan N line still deserves a look at $24.01 a month.

Household Discount: 6 of 28 Michigan Carriers File One

The discount runs 11.1% to 20% and it reorders the Wayne County table. Members Health files no discount, so its $113.48 stays put for a couple. Medico Life and Health at $176.05 with 12.3% becomes $154.40. That takes the cheapest seat for a couple. Members Health, State Farm, SilverScript (Aetna), McLaren Health Plan, Insurance Company of North America (Chubb), Plateau Insurance, Health Alliance Plan of Michigan, Priority Health, Omaha Supplemental (Mutual of Omaha), Aflac (Tier One Insurance), Blue Cross Blue Shield of Michigan, Aetna (Continental Life), USAA Life, WoodmenLife, Washington National, Bankers Fidelity Assurance, American Benefit Life, Everence Association, United American, WPS Health Solutions, Guarantee Trust Life and GPM Health and Life file no discount in Michigan.

Discount applied to the Wayne County filed rate. Lowest 6 of the 6 discounting carriers, sorted by discounted price. Eligibility wording differs by carrier, so I read the rule on the call.

Who Raised Michigan Rates in 2026

25 of the 28 carriers in the Wayne County table carry a 2026 effective date on their current filing. The newest took effect September 1, 2026. CSG's licensed feed returns a filing history with each quote, 23 Michigan rows in all, effective January 2026 to August 2026. Humana Insurance Company (NAIC 60219) filed the largest Plan G increase, +34.1%. It took effect July 1, 2026. 13 of the 23 Plan G rows are 15% or more.

Source: CSG Actuarial licensed API (rate_increases on each quote). Effective dates run January 2026 to August 2026.

Bankers Fidelity Assurance filed +6.9%, the smallest Plan G increase among the carriers we quote. It sits at $225.66, rank 21. A filing is the carrier's change on its whole Michigan block, not one person's renewal.

Methodology

• Rates are carrier filings pulled from CSG Actuarial on September 10, 2026. Every figure on this page is read from that file; none was typed.
• Profile: female, non-tobacco, individual, no household discount unless the sentence says so. A male, tobacco or discounted quote is a different table.
• Each county is quoted through the ZIP with the largest land overlap; Wayne County is ZIP 48111. With 44 rating areas in Michigan, one county's table is not your quote.
• Spread is the gap between the cheapest and the most expensive filed rate. Same plan letter, same age, same county.
• Carrier counts move. 28 carriers returned a Plan G quote at 65 in Wayne County on the pull date. A carrier entering or closing a block changes that number.
• The Part B premium and both deductibles are 2026 CMS figures, imported from one file. The Part B deductible stays with the policyholder; Plan G does not pay it.
• Plan F rows start at 72 in this file. The plan is closed to anyone first eligible for Medicare on or after January 1, 2020. The page prints Plan F enrollment, and no Plan F table.
• Enrollment is statewide by plan letter, not by carrier or county. Source: NAIC Medicare Supplement Experience Exhibit, December 2023, via AHIP's May 2025 report. Michigan had 382,269 lives: 159,198 on Plan G (42%), 51,429 on Plan N, 98,080 on Plan F.
• Rate-change rows come from the CSG Actuarial licensed API (rate_increases on each quote), effective January 2026 to August 2026. A change row is the carrier's filing on its Michigan block, not one person's renewal.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700. Licensed in New Jersey and 34 other states, Michigan among them. MedicareYourself (EasyKind Medicare) is an independent brokerage with no tie to Medicare, CMS or any carrier. The carrier that issues the policy pays the broker; the filed premium is what the applicant pays.