Honorbrook Insurance is an independent agency licensed in Michigan, helping Oakland County residents choose Medicare, ACA, life and retirement coverage by phone or video call. Our help is free to you, and because we are independent, we compare plans from many carriers instead of selling one company’s products.
Medicare in Oakland County
Oakland County includes Royal Oak, Pontiac, West Bloomfield and many other communities north of Detroit. According to the U.S. Census Bureau, 2023 population estimates, about 242,408 Oakland County residents are age 65 or older, so choosing the right Medicare coverage is a decision many of your neighbors are making too. Whether you are turning 65, retiring, or reviewing your current plan, we can walk through your choices with you on a call at a time that suits you.
Major hospitals and health systems serving the county include Corewell Health William Beaumont University Hospital in Royal Oak, McLaren Oakland in Pontiac and Henry Ford West Bloomfield Hospital. Medicare Advantage and Part D plan availability and provider networks are set county by county, and they can change every year. Original Medicare (Parts A and B) is the same nationwide, but the private plans you can add to it are not. That is why we check the plans offered where you live and confirm that your doctors and pharmacy are included before you enroll.
The numbers behind Medicare in Oakland County
| Oakland County | Michigan | |
|---|---|---|
| Residents age 65 and older | 242,408 | 1,926,752 statewide |
| Share of residents age 65+ | 19.1% | 19.2% statewide |
| People with Medicare | 279,882 | 2,334,917 statewide |
| Enrolled in Medicare Advantage | 155,334 | 1,484,072 statewide |
| Medicare Advantage share | 55.5% | 63.6% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among Michigan’s 83 counties, Oakland County comes in 2nd for residents age 65 and up (242,408). Older adults make up 19.1% of the population here; the state figure is 19.2%. Another 87,925 residents are age 60 to 64 and will reach Medicare eligibility within about five years (see our turning 65 guide). Census 2023 estimates show 59% of the 65-plus population is under 75, 31% is 75 to 84 and 10% is 85 or older. Medicare Advantage enrollment in Oakland County is 55.5% of people with Medicare, lower than the Michigan average of 63.6%. Averages cannot choose a plan for you. Medicare Advantage and Original Medicare with a Medigap plan each suit different people, depending on doctors, medicines and how you prefer to handle costs, and we compare both at your ZIP code.
Who has Medicare in Oakland County
Oakland County is a metro county; the U.S. Department of Agriculture describes it as: counties in metro areas of 1 million population or more. Metro counties usually have more hospitals and more insurers competing for Medicare members, so there can be more plans to compare.
CMS counts 274,261 Medicare beneficiaries in Oakland County (2023). Their average age is 73, about the same as the Michigan average of 72. About 15% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 20%.
Among people in Original Medicare in Oakland County, CMS reported about 582 emergency room visits and 266 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (645) and close to it for hospital stays (245). About 10% received home health care. These figures describe how people use care under Original Medicare; they do not show what any plan covers or costs.
Sources: CMS Medicare Geographic Variation, 2023; USDA Rural-Urban Continuum Codes, 2023.
Oakland County: communities and ZIP codes
Census Bureau 2023 estimates put the biggest communities in Oakland County at Troy (87,339), Farmington Hills (82,528), Rochester Hills (76,002), Southfield (75,687), Novi (66,314), Pontiac (61,689), counting only the part of each community inside the county.
ZIP codes that fall mostly inside Oakland County include 48009, 48017, 48025, 48030, 48033, 48034, 48067, 48069, 48070, 48071, 48072, 48073, 48075, 48076 and 52 more. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Oakland County?
Reach out to us: fill out our short form or call (571) 354-0146, and a licensed agent will compare the plans available to you, check your doctors and drugs, and stay with you each year at renewal. For general Medicare information, the federal helpline is 1-800-MEDICARE (1-800-633-4227).
Medicare resources from official sources
- Medicare Plan Finder on Medicare.gov, searchable by ZIP code.
- Social Security: Medicare to enroll or check status.
- Medicare.gov: Medigap on how Medicare Supplement works.
- HealthCare.gov if you are not yet on Medicare.
- Michigan Department of Insurance and Financial Services: Michigan’s insurance regulator, including agent license lookup.
Coverage we offer Oakland County residents
As an independent agency we are not tied to one insurer, so for Oakland County residents we can compare final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA, group health insurance and life insurance.
Let’s review your Oakland County options together
A phone or video call is all it takes. We will check your doctors and prescriptions first.
Get my plan comparisonMedicare guides for Oakland County residents
- Medicare Advantage vs. Medigap: how to choose
- Does Medicare cover dental, vision and hearing?
- What Medicare Part D actually costs
- Medicare 101 for families
Oakland County compared with similar Michigan counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Wayne County | 299,646 | 64.9% | 26% | Metro |
| Macomb County | 164,492 | 60.3% | 19% | Metro |
| Kent County | 102,130 | 74.5% | 25% | Metro |
| Genesee County | 77,829 | 69.7% | 22% | Metro |
| Washtenaw County | 60,189 | 59.4% | 15% | Metro |
| Ottawa County | 52,010 | 77.3% | 17% | Metro |
See every Michigan county in our Michigan directory or go to our Michigan Medicare hub.