When shopping for health insurance in 2025, two names you may come across—especially if you live in Michigan or nearby—are Humana and Priority Health. While Humana is a national insurance powerhouse, Priority Health is a regional nonprofit insurer with a strong presence in Michigan and neighboring areas.
In this article, we’ll compare Humana vs Priority Health across key categories like plan options, pricing, provider networks, Medicare coverage, customer satisfaction, and value-added benefits, so you can confidently choose the provider that fits your needs.
Company Overview
Humana
Humana is one of the largest health insurers in the U.S., with a focus on Medicare Advantage, individual ACA plans, and group health insurance. Serving over 20 million members, Humana operates in 49 states and is particularly strong in the senior market.
Highlights:
- National reach with large provider networks
- Specializes in Medicare Advantage
- Offers ACA, dental, vision, and group plans
- Known for Go365® rewards, SilverSneakers®, and telehealth access
Priority Health
Priority Health, a subsidiary of Spectrum Health, is a nonprofit health plan based in Michigan. It’s known for competitive rates, local customer service, and high satisfaction. It serves over 1 million members, primarily in Michigan, with a growing presence in the Midwest.
Highlights:
- Regional focus with a strong Michigan presence
- Offers individual ACA plans, Medicare, Medicaid, and employer coverage
- Known for transparent pricing tools and preventive care
- High marks for member satisfaction and affordability
Coverage & Availability
| Feature | Humana | Priority Health |
| States Available (2025) | 49 states | Primarily Michigan (limited Midwest reach) |
| ACA Marketplace Plans | Yes (in select states) | Yes (especially strong in Michigan) |
| Medicare Advantage | Yes (nationally available) | Yes (primarily Michigan) |
| Employer Group Plans | Yes | Yes |
| Medicaid | No | Yes (Michigan residents) |
Verdict: Humana wins on national reach, but Priority Health excels in regional quality and local service within Michigan.
Plan Options & Benefits
Humana Plans:
- Medicare Advantage (HMO, PPO, D-SNP, C-SNP)
- Individual & Family ACA plans
- Group health insurance
- Dental, vision, and prescription drug coverage
- Extras: Go365® rewards, Flex Allowance, OTC cards, SilverSneakers®
Priority Health Plans:
- Individual & Family ACA plans
- Medicare Advantage (HMO-POS, PPO)
- Medicaid plans (Michigan)
- Employer plans for small/large groups
- Extras: Cost Estimator Tool, 24/7 virtual care, Healthy Living programs
Verdict: Humana offers more nationwide plan types, while Priority Health is a leader in consumer-focused ACA and Medicare plans in Michigan.
Cost Comparison (2025 Snapshot)
| Category | Humana (Nationwide) | Priority Health (Michigan) |
| Monthly Premiums (ACA) | $0 – $600+ (varies by location) | $0 – $450 (competitive in Michigan) |
| Deductibles | $1,500 – $7,500+ | $1,000 – $6,500+ |
| Medicare Premiums | $0 – $50+ (varies by ZIP) | $0 – $35+ |
| Prescription Drugs | Tiered copays in most plans | Included with tiered coverage |
| Out-of-Pocket Max | $3,000 – $7,550 (Medicare) | $3,400 – $6,700 |
Verdict: Priority Health is often more affordable for residents of Michigan. Humana provides broader cost options based on plan flexibility.
Medicare Advantage Comparison
| Feature | Humana Medicare Advantage | Priority Health Medicare Advantage |
| Plan Types | HMO, PPO, D-SNP, C-SNP | HMO-POS, PPO |
| Prescription Coverage (MAPD) | Included in most plans | Included in most plans |
| Dental, Vision, Hearing | Yes, with advanced dental options | Yes, varies by plan |
| OTC/Grocery Benefits | Available in many plans | Available in select plans |
| Fitness Benefits | SilverSneakers® + Go365® | SilverSneakers® |
| Star Ratings (2024) | 4.0 – 4.5 stars | 4.5 – 5.0 stars in many Michigan counties |
Verdict: Humana wins for national Medicare access and features, but Priority Health consistently scores higher in Michigan for Medicare satisfaction and ratings.
Technology & Member Experience
Humana:
- Mobile app with claim management and plan tools
- Go365® incentivizes healthy habits with rewards
- Virtual care and in-home visits
- 24/7 nurse hotline and customer support
Priority Health:
- Award-winning member portal and mobile app
- Cost Estimator Tool for out-of-pocket planning
- Transparent provider search with cost filters
- Local customer service rated highly
Verdict: Priority Health leads in pricing transparency and ease of use, while Humana offers a broader digital health and wellness ecosystem.
Pros and Cons
Humana
Pros:
- Strong Medicare Advantage reputation
- Available in almost every state
- Excellent rewards and fitness programs
- Wide provider networks
Cons:
- ACA plans only available in select markets
- Higher premiums in some areas
Priority Health
Pros:
- Competitive pricing in Michigan
- High-rated Medicare Advantage plans
- Transparent cost and quality tools
- Strong community engagement
Cons:
- Only available in Michigan and nearby areas
- Smaller provider network than national carriers
Which Should You Choose?
Choose Humana if:
- You live outside Michigan and want a trusted national provider
- You’re looking for a Medicare Advantage plan with rich perks
- You want access to Go365®, OTC cards, and wider plan types
Choose Priority Health if:
- You live in Michigan and want a local-focused, nonprofit insurer
- You want affordable ACA or Medicare coverage with excellent support
- You value cost transparency and a community-driven mission
Both Humana and Priority Health offer strong health insurance solutions for 2025, but they serve different types of members. Humana is the better choice for nationwide access and Medicare Advantage variety, while Priority Health is ideal for Michigan residents seeking affordable, high-quality care with personalized service.
Before choosing, always:
- Compare plans on Healthcare.gov or Medicare.gov
- Check provider directories and drug formularies
- Review Star Ratings and member satisfaction scores in your area