Medicare Advantage plans in Illinois for 2027
Illinois loses more open Medicare Advantage plans for 2027 than most states, so members of a closed plan have until December 7, 2026 to choose a new one.
Cook, Illinois: plans open to everyone on Parts A and B
48 plans
33 with a $0 premium and drug coverage · out-of-pocket limits $2,150 to $9,850 · best rating 4.5★ · 14 plan IDs of 2026 not renewed here
48 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Humana Total Complete (HMO)Humana · HMO · H1468-013-0 | $0 | $700 | $2,150 | 4.0★ |
| DEVOTED CORE 001 IL (HMO)Devoted Health · HMO · H7151-001-0 | $0 | $650 | $2,700 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-024-0 | $0 | $685 | $2,900 | 3.5★ |
| Essence Advantage Select (HMO)Essence Healthcare · HMO · H2610-027-0 | $0 | $300 | $2,900 | 4.0★ |
| Wellcare Simple Exclusive (HMO)Wellcare · HMO · H5779-007-0 | $0 | $700 | $3,200 | 3.5★ |
| Wellcare Simple Exclusive Value (HMO-POS)Wellcare · HMO-POS · H1416-085-0 | $0 | $700 | $3,200 | 3.0★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H4513-085-0 | $0 | $500 | $3,300 | 3.5★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H4513-086-0 | $0 | $300 | $4,000 | 3.5★ |
| Humana Essentials Plus Giveback (HMO)Humana · HMO · H1468-021-0 | $0 | $700 | $4,250 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H7617-018-0 | $0 | $700 | $4,300 | 4.5★ |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-075-0 | $0 | $685 | $4,450 | 3.5★ |
| Essence Advantage Choice (PPO)Essence Healthcare · PPO · H6200-009-0 | $0 | $700 | $4,450 | 4.0★ |
| HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS · H4513-084-0 | $0 | $500 | $4,450 | 3.5★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-002-0 | $0 | $700 | $4,450 | 3.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-251-0 | $0 | $700 | $4,450 | 4.0★ |
| DEVOTED CHOICE 001 IL (PPO)Devoted Health · PPO · H6545-001-0 | $0 | $650 | $4,700 | 4.5★ |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-054-0 | $0 | $685 | $4,900 | 3.5★ |
| HumanaChoice H5216-283 (PPO)Humana · PPO · H5216-283-0 · was $5.20 in 2026 | $0 | $250 | $4,900 | 4.0★ |
| Zing Select Care IL (HMO)Zing Health · HMO · H4624-001-0 | $0 | $450 | $4,950 | 3.5★ |
| HealthSpring True Choice Savings (PPO)HealthSpring · PPO · H7849-080-0 | $0 | $700 | $5,000 | 3.0★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H1416-009-0 | $0 | $700 | $5,000 | 3.0★ |
| Zing Elite Select IL-IN (HMO)Zing Health · HMO · H4624-026-0 | $0 | $350 | $5,100 | 3.5★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H5521-286-0 | $0 | no drugs | $5,200 | 4.5★ |
| Aetna Medicare Prime Extra Care (HMO)Aetna Medicare · HMO · H1206-010-0 | $0 | $400 | $5,200 | 3.5★ |
| DEVOTED CHOICE 010 IL (PPO)Devoted Health · PPO · H6545-010-0 | $0 | $650 | $5,400 | 4.5★ |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO · H5521-086-0 | $0 | $700 | $5,500 | 4.0★ |
| Wellcare Simple Essential (HMO)Wellcare · HMO · H5779-009-0 | $0 | $700 | $5,500 | 3.5★ |
| Aetna Medicare Prime (HMO-POS)Aetna Medicare · HMO-POS · H3192-001-0 | $0 | $400 | $5,900 | 3.5★ |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · H1206-003-0 | $0 | $400 | $5,900 | 3.5★ |
| DEVOTED GIVEBACK EXTRAS 008 IL (HMO)Devoted Health · HMO · H7151-008-0 | $0 | $700 | $5,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-355-0 | $0 | no drugs | $6,000 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-022-0 | $0 | no drugs | $6,000 | 4.5★ |
| Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPO · R5361-001-0 | $0 | no drugs | $6,750 | 3.5★ |
| AARP Medicare Advantage from UHC IL-5 (PPO)UnitedHealthcare · PPO · H8768-010-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO)UnitedHealthcare · PPO · H8768-019-0 | $0 | no drugs | $7,150 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-091-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H7301-013-0 | $0 | $700 | $7,150 | 4.0★ |
| Wellcare Giveback (HMO)Wellcare · HMO · H5779-010-0 | $0 | $700 | $7,800 | 3.5★ |
| DEVOTED GIVEBACK 003 IL (HMO)Devoted Health · HMO · H7151-003-0 | $0 | $461 | $9,850 | 4.0★ |
| Blue Cross Medicare Advantage Basic (HMO-POS)Blue Cross and Blue Shield of IL, NM · HMO-POS · H3822-001-0 · was $0 in 2026 | $29 | $500 | $5,500 | 3.0★ |
| Aetna Medicare Premier (PPO)Aetna Medicare · PPO · H5521-016-0 · was $44 in 2026 | $42 | $700 | $5,200 | 4.0★ |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-025-0 · was $37 in 2026 | $43 | $595 | $2,900 | 3.5★ |
| Essence Advantage Choice Plus (PPO)Essence Healthcare · PPO · H6200-010-0 | $49 | $700 | $6,700 | 4.0★ |
| Humana Gold Choice H8145-006 (PFFS)Humana · PFFS · H8145-006-0 · was $37 in 2026 | $60 | $700 | $7,800 | 4.0★ |
| AARP Medicare Advantage from UHC IL-0004 (PPO)UnitedHealthcare · PPO · H8768-005-0 · was $68 in 2026 | $84 | $685 | $7,150 | 4.0★ |
| HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPO · R5361-002-0 · was $103 in 2026 | $87 | $700 | $7,700 | 3.5★ |
| HumanaChoice H5216-013 (PPO)Humana · PPO · H5216-013-0 · was $87 in 2026 | $92 | $700 | $6,550 | 4.0★ |
| Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO · H6200-011-0 · was $257 in 2026 | $267 | $700 | $2,900 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Illinois has 109 Medicare Advantage plans open to anyone with Parts A and B for 2027, down from 127 in 2026, a net loss of 18. 68 of the plans with drug coverage still charge no monthly premium. The lowest in-network cap is $2,150, for Humana Total Complete (HMO) at $0, and the median is $5,200, below the national $6,550. Cook County has the longest list, 48 open plans, followed by Will with 45; Williamson County, in southern Illinois, has 5. PPOs and HMOs are close to even, 56 and 48, with 2 private fee-for-service plans and 3 cost plans in the far northwest. 58 plans earn four or more stars for 2027. Illinois also lists 30 special needs plans and 10 stand-alone drug plans from $5.30 a month.
A shorter list for 2027
The CMS file counts 18 fewer open plans in Illinois than in 2026. Some members were moved by their insurer into another plan of the same company; others received a notice that their plan ends on December 31. If you got that notice, you have a special enrollment period and can also use the annual period, which closes on December 7, 2026. Doing nothing sends you back to Original Medicare, without Part D unless you pick a drug plan. Count your remaining days here.
Days left in the annual change period
Days left to change for 2027
38
| Last day | December 7, 2026 |
| New plan starts | January 1, 2027 |
Cook County and the collar counties
Cook (48), Will (45), DuPage (44), Kane (40) lead the state, and Cook's lowest cap is $2,150. The details for Chicago and its suburbs are on the Cook County page. Downstate, the list shortens: Williamson County has 5 open plans and Randolph 10, with caps closer to the national level.
Cost plans in Jo Daviess County
Illinois has 3 Medicare cost plans, all filed for Jo Daviess County near Dubuque by an Iowa medical group. A cost plan has a network, but you may also use any provider that accepts Medicare and pay Original Medicare's costs there; you can join whenever the plan accepts members and leave at any time for Original Medicare (Medicare.gov, other Medicare health plans). Jo Daviess shows 3 such plans among its 23 open ones.
Who files the plans
Humana Inc. (29), CVS Health Corporation (19), UnitedHealth Group, Inc. (19), Devoted Health, Inc. (14), Lumeris Group Holdings Corporation (9), Health Care Service Corporation (8) file the most open segments; Lumeris is the parent of Essence Healthcare. The top 2027 score is 4.5 stars, held by Humana Total Complete (HMO), a $0 plan with a $2,850 cap. Of the 30 special needs plans, 23 target chronic conditions and only 4 serve people with both Medicare and Medicaid, a low count for a state this size.
Every county of Illinois, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Adams | 16 | 7 | $4,450 | 7 | -6 |
| Alexander | 18 | 10 | $4,450 | 6 | -2 |
| Bond | 36 | 21 | $2,850 | 22 | -6 |
| Boone | 26 | 15 | $3,500 | 13 | -11 |
| Brown | 15 | 5 | $5,000 | 8 | -11 |
| Bureau | 23 | 11 | $4,150 | 11 | -6 |
| Calhoun | 33 | 22 | $2,850 | 19 | -4 |
| Carroll | 18 | 8 | $4,150 | 8 | -2 |
| Cass | 18 | 8 | $5,000 | 8 | -10 |
| Champaign | 17 | 7 | $4,450 | 9 | +1 |
| Christian | 20 | 9 | $4,900 | 10 | -6 |
| Clark | 19 | 6 | $4,900 | 11 | -6 |
| Clay | 16 | 6 | $4,900 | 9 | -5 |
| Clinton | 38 | 22 | $2,850 | 22 | -6 |
| Coles | 16 | 6 | $4,900 | 9 | -5 |
| Cook | 48 | 33 | $2,150 | 24 | -10 |
| Crawford | 18 | 6 | $4,900 | 10 | -5 |
| Cumberland | 16 | 6 | $4,900 | 9 | -5 |
| De Witt | 18 | 8 | $5,000 | 8 | -5 |
| DeKalb | 22 | 11 | $2,900 | 10 | -7 |
| Douglas | 22 | 10 | $4,450 | 10 | +1 |
| DuPage | 44 | 30 | $2,150 | 23 | -10 |
| Edgar | 14 | 5 | $5,000 | 7 | -8 |
| Edwards | 15 | 5 | $5,000 | 8 | -7 |
| Effingham | 13 | 5 | $4,900 | 8 | -5 |
| Fayette | 21 | 11 | $4,450 | 8 | -5 |
| Ford | 16 | 7 | $2,900 | 7 | -7 |
| Franklin | 13 | 5 | $5,000 | 7 | -8 |
| Fulton | 18 | 7 | $4,450 | 10 | -3 |
| Gallatin | 13 | 5 | $5,000 | 7 | -8 |
| Greene | 24 | 12 | $4,200 | 9 | -9 |
| Grundy | 29 | 16 | $2,900 | 13 | -4 |
| Hamilton | 13 | 5 | $5,000 | 7 | -8 |
| Hancock | 14 | 5 | $5,000 | 8 | -5 |
| Hardin | 13 | 5 | $5,000 | 7 | -8 |
| Henderson | 19 | 8 | $4,500 | 11 | -5 |
| Henry | 24 | 12 | $3,500 | 12 | -1 |
| Iroquois | 21 | 10 | $2,900 | 8 | -7 |
| Jackson | 15 | 7 | $4,450 | 6 | -8 |
| Jasper | 16 | 5 | $4,900 | 10 | -7 |
| Jefferson | 13 | 5 | $5,000 | 7 | -8 |
| Jersey | 35 | 22 | $2,850 | 21 | -7 |
| Jo Daviess | 23 | 8 | $4,500 | 14 | -4 |
| Johnson | 16 | 8 | $5,000 | 7 | -4 |
| Kane | 40 | 28 | $2,150 | 18 | -11 |
| Kankakee | 36 | 23 | $2,700 | 17 | -14 |
| Kendall | 30 | 19 | $2,150 | 18 | -9 |
| Knox | 20 | 8 | $3,500 | 12 | -5 |
| La Salle | 26 | 12 | $2,900 | 12 | -3 |
| Lake | 32 | 21 | $2,150 | 19 | -12 |
| Lawrence | 15 | 5 | $5,000 | 8 | -4 |
| Lee | 24 | 11 | $4,150 | 12 | -8 |
| Livingston | 18 | 8 | $2,900 | 9 | -9 |
| Logan | 18 | 8 | $5,000 | 8 | -6 |
| Macon | 16 | 5 | $4,900 | 10 | -5 |
| Macoupin | 26 | 13 | $2,900 | 13 | -11 |
| Madison | 38 | 22 | $2,850 | 23 | -11 |
| Marion | 13 | 6 | $4,450 | 4 | -7 |
| Marshall | 22 | 11 | $3,500 | 11 | -4 |
| Mason | 18 | 6 | $4,900 | 10 | -7 |
| Massac | 14 | 8 | $5,000 | 6 | +3 |
| McDonough | 17 | 6 | $4,900 | 10 | -5 |
| McHenry | 26 | 15 | $2,150 | 14 | -20 |
| McLean | 19 | 7 | $3,500 | 12 | -8 |
| Menard | 17 | 8 | $5,000 | 8 | -8 |
| Mercer | 18 | 8 | $5,000 | 8 | -3 |
| Monroe | 32 | 17 | $2,900 | 16 | -8 |
| Montgomery | 26 | 13 | $2,900 | 12 | -5 |
| Morgan | 17 | 8 | $5,000 | 8 | -8 |
| Moultrie | 21 | 9 | $4,900 | 10 | -8 |
| Ogle | 25 | 13 | $4,150 | 12 | -10 |
| Peoria | 20 | 8 | $3,500 | 12 | -9 |
| Perry | 18 | 10 | $4,450 | 6 | -7 |
| Piatt | 16 | 8 | $5,000 | 7 | -7 |
| Pike | 17 | 7 | $4,450 | 7 | -12 |
| Pope | 16 | 8 | $5,000 | 7 | -5 |
| Pulaski | 14 | 8 | $5,000 | 6 | -5 |
| Putnam | 20 | 9 | $4,900 | 10 | -5 |
| Randolph | 10 | 5 | $5,000 | 5 | -18 |
| Richland | 15 | 4 | $5,000 | 9 | -10 |
| Rock Island | 24 | 11 | $3,500 | 11 | -4 |
| Saline | 11 | 5 | $5,000 | 6 | -5 |
| Sangamon | 22 | 9 | $4,900 | 11 | -4 |
| Schuyler | 16 | 5 | $5,000 | 9 | -8 |
| Scott | 20 | 9 | $4,900 | 10 | -7 |
| Shelby | 15 | 7 | $5,000 | 7 | -7 |
| St. Clair | 39 | 22 | $2,850 | 23 | -8 |
| Stark | 19 | 8 | $3,500 | 11 | -4 |
| Stephenson | 24 | 13 | $3,500 | 13 | -9 |
| Tazewell | 20 | 8 | $3,500 | 12 | -6 |
| Union | 20 | 10 | $4,450 | 7 | -5 |
| Vermilion | 18 | 7 | $4,450 | 10 | -4 |
| Wabash | 15 | 5 | $5,000 | 8 | -4 |
| Warren | 13 | 5 | $5,000 | 7 | -7 |
| Washington | 23 | 12 | $2,900 | 10 | -12 |
| Wayne | 15 | 5 | $5,000 | 8 | -8 |
| White | 15 | 5 | $5,000 | 8 | -5 |
| Whiteside | 18 | 8 | $4,500 | 10 | -8 |
| Will | 45 | 31 | $2,150 | 23 | -11 |
| Williamson | 5 | 3 | $5,500 | 0 | -9 |
| Winnebago | 26 | 15 | $3,500 | 13 | -12 |
| Woodford | 15 | 6 | $3,500 | 9 | -11 |
Stand-alone Part D plans in Illinois
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-151-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-107-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-087-0 · Extra Help benchmark | $7.30 | $0 | $700 | $0 | 3.0 |
| Humana Value Rx Plan (PDP)Humana · S5884-196-0 | $22.30 | $20.10 | $687 | $0 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-362-0 | $78.30 | $70.70 | $700 | $40.20 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-012-0 | $90.90 | $83.30 | $700 | $89.70 | 2.5 |
| HealthSpring Extra RX (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-001-0 | $108.20 | $100.60 | $700 | $119.70 | 2.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-034-0 | $120.90 | $113.30 | $700 | $94.90 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-163-0 | $130.20 | $122.60 | $350 | $119.40 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-398-0 | $178.30 | $170.70 | $300 | $103.90 | 3.0 |