Medicare Advantage plans in Cook County, Illinois (2027)
Chicago is one of the few big markets where PPOs make up nearly half the open plans, and where Blue Cross pulled most of its plans for 2027.
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 · all Illinois counties and drug plans
Cook County has 48 Medicare Advantage plans open to anyone with Parts A and B for 2027, and the split between plan types is close to even: 25 HMOs, 22 PPOs and 1 private fee-for-service plan. 33 drug-covering plans charge no premium, the most expensive costs $267 a month, and in-network caps run from $2,150 (Humana Total Complete (HMO)) to $9,850, with a median of $5,150. 24 plans hold a 2027 rating of four stars or more, led by Humana USAA Honor Giveback (PPO) at 4.5 stars. The menu is shorter than last year: 58 open plans in 2026, 14 IDs not filed again, 4 new. Most of the exits are Blue Cross Medicare Advantage HMO and PPO plans, along with Clear Spring Health and Molina. Special needs plans are fewer than in the Sun Belt: 19 in all, 4 of them for people who also have Medicaid.
PPOs for Chicago's hospital map
A PPO pays for visits outside its network at a higher coinsurance, while an HMO generally does not pay at all. In a county where many people see specialists at academic medical centers downtown and a primary care doctor in the suburbs, that flexibility is the reason 22 PPOs survive here. The price is usually a higher cap: compare the in-network cap and the combined in and out-of-network cap, both shown in each plan's Summary of Benefits.
Blue Cross plans that left
For 2027 the Blue Cross Medicare Advantage Basic Plus, Premier Plus, Secure, Choice Plus and Choice Premier plans are not in the CMS file for Cook County, and only one Blue Cross and Blue Shield of Illinois plan remains open to all. Health Care Service Corporation, its parent, still counts 6 open plans here through HealthSpring. Members of a closed plan received a notice and can choose until December 7.
Who files the most
Humana Inc. 11, UnitedHealth Group, Inc. 8, CVS Health Corporation 7, Health Care Service Corporation 6, Centene Corporation 5, Devoted Health, Inc. 5. Essence Healthcare and Zing Health add smaller lines. DuPage County lists 44 open plans, Will 45 and Lake 32, with almost the same insurers; Illinois as a whole has 109.
Premiums and IRMAA
Plans with a premium charge it on top of Part B. For higher incomes, Social Security also adds IRMAA, an income-related surcharge on Part B and drug coverage, starting above $109,000 of modified adjusted gross income for a single filer in 2026, using the 2024 return.
Does your income trigger IRMAA in 2026?
Part B premium per person
$405.80/mo
| IRMAA tier | 2 of 5 |
| Part D surcharge | $37.50 |
| Extra per year | $2,885 |
2026 plans not filed again here for 2027
These plan IDs were offered in Cook County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- Wellcare Simple Value (HMO-POS) (Wellcare, H1416-082-0, insurer still present)
- Molina Medicare Choice Care (HMO) (Molina Healthcare of Illinois, H2715-003-0)
- Clear Spring Health BrightPath Advantage (HMO) (Clear Spring Health, H3071-002-0)
- Blue Cross Medicare Advantage Basic Plus (HMO-POS) (Blue Cross and Blue Shield of IL, NM, H3822-007-0, insurer still present)
- Blue Cross Medicare Advantage Premier Plus (HMO-POS) (Blue Cross and Blue Shield of IL, NM, H3822-008-0, insurer still present)
- Humana USAA Honor Giveback (PPO) (Humana, H5216-258-0, insurer still present)
- Humana Full Access H5216-412 (PPO) (Humana, H5216-412-0, insurer still present)
- Clear Spring Health BrightPath Advantage (HMO) (Clear Spring Health, H5454-002-0)
- Wellcare Simple Essential (HMO) (Wellcare, H5779-002-0, insurer still present)
- Wellcare Patriot Giveback (HMO) (Wellcare, H5779-011-0, insurer still present)
- Humana Full Access H7617-009 (PPO) (Humana, H7617-009-0, insurer still present)
- Blue Cross Medicare Advantage Secure (HMO) (Blue Cross and Blue Shield of Illinois, H8547-001-0)
- Blue Cross Medicare Advantage Choice Plus (PPO) (Blue Cross and Blue Shield of IL, NM, OK, TX, H8634-003-0)
- Blue Cross Medicare Advantage Choice Premier (PPO) (Blue Cross and Blue Shield of IL, NM, OK, TX, H8634-004-0)