Medicare Advantage in Bay County, Michigan
18,727 people in Bay County, Michigan were enrolled in Medicare Advantage in October 2026, 63.9% of 29,316 eligible beneficiaries (+0.9 pts since October 2025). Blue Cross Blue Shield of Michigan Mutual Ins. Co. is the largest parent organization with 40% of reported enrollment; 12 parent organizations have 11 or more members and the HHI is 2,369 (highly concentrated). HRSA classifies the county as partly rural. For 2027, 2,461 members here are in plans that terminate or leave the county. MA plans offered go from 52 to 45.
Parent organizations in Bay County
| Parent organization | Members | Change since October 2025 | Share |
|---|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Ins. Co. | 7,484 | −1,445 | 40.0% |
| Humana Inc. | 3,023 | +585 | 16.2% |
| Henry Ford Health System | 3,014 | +1,057 | 16.1% |
| Corewell Health | 2,417 | +690 | 12.9% |
| CVS Health Corporation | 1,412 | −42 | 7.6% |
| UnitedHealth Group, Inc. | 792 | −98 | 4.2% |
| Centene Corporation | 212 | +10 | 1.1% |
| Molina Healthcare, Inc. | 139 | −18 | 0.7% |
| McLaren Health Care Corporation | 112 | −29 | 0.6% |
| Longevity Health Founders, LLC | 42 | +8 | 0.2% |
| A&D Charitable Foundation, Inc. | 32 | +7 | 0.2% |
| Elevance Health, Inc. | 12 | −1 | under 0.1% |
CMS suppresses county and contract counts of 10 or fewer; shares are of reported enrollment.
Value-based care alongside MA
In PY 2024, 4,182 beneficiaries in Bay County were assigned to 56 Medicare Shared Savings Program ACOs, 49.9% of assignable Original Medicare beneficiaries. Together, roughly 82% of all Medicare beneficiaries in the county are in Medicare Advantage or an MSSP ACO. See the ACOs in the MSSP Explorer.