Medicare Advantage
Compare 139 Illinois Medicare Advantage Plans for 2027 From 13 Carriers
SPRINGFIELD, Ill. — Illinois residents on Medicare have 139 Medicare Advantage plans to weigh for 2027, offered statewide by 13 carriers, according to the CMS Medicare Advantage Landscape Source File for the coming plan year. The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made during that window takes effect January 1, 2027.
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Key takeaways
- Illinois has 139 Medicare Advantage plans for 2027 from 13 carriers, and you can compare the ones offered in your county on Medicare.gov.
- All 139 plans include drug coverage for 2027, so most Illinois enrollees will not need a stand‑alone Part D plan alongside Medicare Advantage.
- 23 plans are new for 2027 and 44 are not returning, which is why reading your current plan's Annual Notice of Change this fall matters.
- The deadline to choose a 2027 plan is December 7, 2026, with coverage starting January 1, 2027.
Because Medicare Advantage is sold county by county, a plan listed statewide may or may not be offered where you live. The right way to compare is to look up the plans available at your own ZIP code and county, then line them up against your doctors, your prescriptions, and your pharmacies.
The statewide numbers for 2027
Across Illinois, the CMS Landscape file lists 139 Medicare Advantage plans for 2027 from 13 carriers. All 139 include prescription drug coverage. Year over year, 23 plans are new for 2027 and 44 are not returning. Those two figures are the reason current enrollees should not assume their 2026 plan will look the same, or still exist, in 2027.
Statewide totals describe what is on the shelf across Illinois. What matters to you is the shorter list on the shelf in your own county, which you can pull up on the Medicare Plan Finder at Medicare.gov.
Plan types and Special Needs Plans
The 139 plans break down by type as follows: 44 HMO, 24 HMO‑POS, 66 PPO, 2 PFFS, and 3 Cost plans. HMO and HMO‑POS plans generally focus care around an in‑network set of providers; PPO plans typically allow some out‑of‑network use; PFFS and Cost plans follow different rules again. The Evidence of Coverage for any specific plan spells out how its rules actually work.
Illinois also has Special Needs Plans for 2027: 4 D‑SNPs (for people with both Medicare and Medicaid), 23 C‑SNPs (for people with qualifying chronic conditions), and 3 I‑SNPs (for people living in or needing an institutional level of care). SNPs have eligibility rules, so not everyone can enroll in one; 1‑800‑MEDICARE or the plan itself can confirm whether you qualify.
The carriers offering plans in Illinois for 2027
Thirteen carriers are on the 2027 Illinois landscape. In alphabetical order, with their statewide plan counts, they are: Aetna (CVS Health) with 22 plans; Blue Cross Blue Shield (HCSC) with 2; Centene (WellCare) with 7; Devoted Health with 24; Essence Healthcare with 9; HealthSpring with 6; Humana with 32; Longevity Health with 1; Medical Associates Health Plan, Inc. with 3; Molina Healthcare of Illinois with 1; Provider Partners Health Plans with 1; UnitedHealthcare with 24; and Zing Health with 7. The full carrier and plan tables appear on this page.
A larger carrier count does not mean a carrier is a better fit, and a smaller count does not mean a carrier is a worse fit. It only tells you how many distinct plans the carrier filed with CMS statewide. What matters is which of those plans is actually offered in your county and how it handles the care you use.
How to compare the plans in your own county
A clear, repeatable way to narrow 139 statewide plans down to the one that fits you:
1. Pull your county's list. Go to the Medicare Plan Finder at Medicare.gov and enter your ZIP code. You will see only the Medicare Advantage plans available where you live. 2. Check your doctors and hospitals. For each plan you are considering, confirm that your primary care doctor, specialists, and preferred hospital are in network. Verify on the plan's own provider directory and, if it matters, call the office. 3. Enter your prescriptions. Add every drug you take, with dose and quantity, into Plan Finder. Each plan's formulary and cost‑sharing is different, and this is where surprises usually show up. 4. Check your pharmacy. The same drug can be priced differently at different pharmacies within the same plan. Compare the pharmacy you actually use. 5. Read your Annual Notice of Change (ANOC). If you are already in a Medicare Advantage plan, your carrier mailed an ANOC in late September describing what is changing for 2027. Read it before you decide whether to stay or switch. 6. Confirm plan type and rules. HMO, HMO‑POS, PPO, PFFS, Cost, and SNP plans each have different referral, network, and eligibility rules. The Evidence of Coverage is the authoritative document. 7. Write it down. Keep a short side‑by‑side of two or three finalists so you can compare on the same terms rather than from memory.
What to do before December 7
Mark December 7, 2026 on the calendar as the last day of the Annual Enrollment Period for 2027 coverage. Between October 15 and December 7, you can enroll in a Medicare Advantage plan, switch from one Medicare Advantage plan to another, drop Medicare Advantage and return to Original Medicare, or add or change a Part D plan where applicable. Whatever you choose during that window starts January 1, 2027.
If your current plan is among the 44 not returning for 2027, you will get a non‑renewal notice from the carrier, and you will have a Special Enrollment Period in addition to AEP. If you are happy with your current plan, read the ANOC, confirm your doctors and drugs are still covered the way you expect, and you do not need to do anything to stay.
Free help
Two places give free, non‑sales help with Medicare questions:
- Medicare.gov — the Medicare Plan Finder lets you compare the plans available in your ZIP code, enter your drugs and pharmacy, and read each plan's details.
- 1‑800‑MEDICARE (1‑800‑633‑4227) — available 24 hours a day, 7 days a week, including TTY service, to answer questions and help with enrollment.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across Illinois for 2027
- Aetna (CVS Health) 22 plans: HMO, HMO-POS, PPO
- Blue Cross Blue Shield (HCSC) 2 plans: HMO, HMO-POS
- Centene (WellCare) 7 plans: HMO, HMO-POS
- Devoted Health 24 plans: HMO, PPO
- Essence Healthcare 9 plans: HMO, PPO
- HealthSpring 6 plans: HMO, HMO-POS, PPO
- Humana 32 plans: HMO, PFFS, PPO
- Longevity Health 1 plan: HMO
- Medical Associates Health Plan, Inc. 3 plans: Cost
- Molina Healthcare of Illinois 1 plan: HMO
- Provider Partners Health Plans 1 plan: HMO
- UnitedHealthcare 24 plans: HMO-POS, PPO
- Zing Health 7 plans: HMO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
2027 plan lineup
Medicare Advantage plans in Illinois for 2027
CMS lists 139 Medicare Advantage plans across Illinois for 2027 from 13 carriers, alphabetically by carrier, widest county reach first.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Aetna (CVS Health) 22 plans | |||
| Aetna Medicare FIDE (HMO D-SNP) | HMO D-SNP | Yes | 102 |
| Aetna Medicare Enhanced (PPO) | PPO | Yes | 37 |
| Aetna Medicare Signature (PPO) | PPO | Yes | 37 |
| Aetna Medicare Eagle (PPO) | PPO | Yes | 32 |
| Aetna Medicare Eagle (PPO) | PPO | Yes | 21 |
| Aetna Medicare Advantra Enhanced (PPO) | PPO | Yes | 12 |
| Aetna Medicare Advantra Signature Extra (PPO) | PPO | Yes | 12 |
| Aetna Medicare Signature (HMO-POS) | HMO-POS | Yes | 12 |
| Aetna Medicare Signature Extra (HMO-POS) | HMO-POS | Yes | 12 |
| Aetna Medicare Prime Chronic Care (HMO C-SNP) | HMO C-SNP | Yes | 10 |
| Aetna Medicare Signature (HMO) | HMO | Yes | 7 |
| Aetna Medicare Chronic Care (HMO C-SNP) | HMO C-SNP | Yes | 6 |
| Aetna Medicare Enhanced (HMO) | HMO | Yes | 6 |
| Aetna Medicare Premier (PPO) | PPO | Yes | 6 |
| Aetna Medicare Prime (HMO-POS) | HMO-POS | Yes | 6 |
| Aetna Medicare Prime Extra Care (HMO) | HMO | Yes | 6 |
| Aetna Medicare Signature (HMO-POS) | HMO-POS | Yes | 6 |
| Aetna Medicare Signature (HMO-POS) | HMO-POS | Yes | 6 |
| Aetna Medicare Signature (PPO) | PPO | Yes | 6 |
| Aetna Medicare Signature Extra (PPO) | PPO | Yes | 6 |
| Aetna Medicare Signature (PPO) | PPO | Yes | 3 |
| Aetna Medicare Signature (HMO) | HMO | Yes | 2 |
| Blue Cross Blue Shield (HCSC) 2 plans | |||
| Blue Cross Medicare Advantage Basic (HMO-POS) | HMO | Yes | 4 |
| Blue Cross Medicare Advantage Select (HMO-POS) | HMO-POS | Yes | 2 |
| Centene (WellCare) 7 plans | |||
| Wellcare Meridian Dual Align (HMO D-SNP) | HMO D-SNP | Yes | 102 |
| Wellcare Giveback (HMO) | HMO | Yes | 101 |
| Wellcare Simple Essential (HMO) | HMO | Yes | 101 |
| Wellcare Simple Value (HMO-POS) | HMO-POS | Yes | 90 |
| Wellcare Simple (HMO-POS) | HMO-POS | Yes | 6 |
| Wellcare Simple Exclusive (HMO) | HMO | Yes | 3 |
| Wellcare Simple Exclusive Value (HMO-POS) | HMO-POS | Yes | 3 |
| Devoted Health 24 plans | |||
| DEVOTED C-SNP CHOICE PLUS 012 IL (PPO C-SNP) | PPO C-SNP | Yes | 46 |
| DEVOTED C-SNP CHOICE ENHANCED 011 IL (PPO C-SNP) | PPO C-SNP | Yes | 25 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 015 IL (PPO C-SNP) | PPO C-SNP | Yes | 25 |
| DEVOTED CHOICE 001 IL (PPO) | PPO | Yes | 25 |
| DEVOTED CHOICE GIVEBACK 002 IL (PPO) | PPO | Yes | 25 |
| DEVOTED CHOICE GIVEBACK EXTRAS 018 IL (PPO) | PPO | Yes | 25 |
| DEVOTED C-SNP CHOICE ENHANCED 014 IL (PPO C-SNP) | PPO C-SNP | Yes | 12 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 017 IL (PPO C-SNP) | PPO C-SNP | Yes | 12 |
| DEVOTED CHOICE 005 IL (PPO) | PPO | Yes | 12 |
| DEVOTED CHOICE GIVEBACK 006 IL (PPO) | PPO | Yes | 12 |
| DEVOTED CHOICE GIVEBACK EXTRAS 020 IL (PPO) | PPO | Yes | 12 |
| DEVOTED C-SNP CHOICE ENHANCED 013 IL (PPO C-SNP) | PPO C-SNP | Yes | 9 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 016 IL (PPO C-SNP) | PPO C-SNP | Yes | 9 |
| DEVOTED CHOICE 003 IL (PPO) | PPO | Yes | 9 |
| DEVOTED CHOICE GIVEBACK 004 IL (PPO) | PPO | Yes | 9 |
| DEVOTED CHOICE GIVEBACK EXTRAS 019 IL (PPO) | PPO | Yes | 9 |
| DEVOTED C-SNP ENHANCED 005 IL (HMO C-SNP) | HMO C-SNP | Yes | 8 |
| DEVOTED C-SNP GIVEBACK EXTRAS 007 IL (HMO C-SNP) | HMO C-SNP | Yes | 8 |
| DEVOTED C-SNP PLUS 006 IL (HMO C-SNP) | HMO C-SNP | Yes | 8 |
| DEVOTED CHOICE 001 IL (PPO) | PPO | Yes | 8 |
| DEVOTED CHOICE 010 IL (PPO) | PPO | Yes | 8 |
| DEVOTED CORE 001 IL (HMO) | HMO | Yes | 8 |
| DEVOTED GIVEBACK 003 IL (HMO) | HMO | Yes | 8 |
| DEVOTED GIVEBACK EXTRAS 008 IL (HMO) | HMO | Yes | 8 |
| Essence Healthcare 9 plans | |||
| Essence Advantage (HMO) | HMO | Yes | 10 |
| Essence Advantage Plus (HMO) | HMO | Yes | 10 |
| Essence Advantage Select (HMO) | HMO | Yes | 10 |
| Essence Advantage Choice (PPO) | PPO | Yes | 7 |
| Essence Advantage Premier Plus (PPO) | PPO | Yes | 7 |
| Essence Advantage Select (HMO) | HMO | Yes | 5 |
| Essence Advantage Choice (PPO) | PPO | Yes | 3 |
| Essence Advantage Choice Plus (PPO) | PPO | Yes | 3 |
| Essence Advantage Premier Plus (PPO) | PPO | Yes | 3 |
| HealthSpring 6 plans | |||
| HealthSpring Preferred (HMO) | HMO | Yes | 5 |
| HealthSpring Preferred Savings (HMO) | HMO | Yes | 5 |
| HealthSpring Premier (HMO-POS) | HMO-POS | Yes | 5 |
| HealthSpring True Choice (PPO) | PPO | Yes | 5 |
| HealthSpring True Choice Savings (PPO) | PPO | Yes | 5 |
| HealthSpring True Choice (PPO) | PPO | Yes | 2 |
| Humana 32 plans | |||
| Humana Dual Fully Integrated (HMO D-SNP) | HMO D-SNP | Yes | 102 |
| Humana USAA Honor Giveback (Regional PPO) | PPO | Yes | 102 |
| HumanaChoice R5361-002 (Regional PPO) | PPO | Yes | 102 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | 93 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | 91 |
| HumanaChoice Giveback H5216-403 (PPO) | PPO | Yes | 87 |
| HumanaChoice H5216-399 (PPO) | PPO | Yes | 87 |
| HumanaChoice Giveback H7617-013 (PPO) | PPO | Yes | 85 |
| Humana Gold Choice H8145-006 (PFFS) | PFFS | Yes | 48 |
| Humana Gold Choice H8145-126 (PFFS) | PFFS | Yes | 41 |
| HumanaChoice H5216-013 (PPO) | PPO | Yes | 24 |
| HumanaChoice H5525-004 (PPO) | PPO | Yes | 22 |
| Humana Gold Plus H1468-007 (HMO) | HMO | Yes | 14 |
| Humana Value Choice (PPO) | PPO | Yes | 13 |
| Humana Value Choice (PPO) | PPO | Yes | 13 |
| HumanaChoice H5216-283 (PPO) | PPO | Yes | 11 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | 8 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | 8 |
| Humana Total Complete (HMO) | HMO | Yes | 7 |
| Humana Value Choice (PPO) | PPO | Yes | 7 |
| Humana Value Choice (PPO) | PPO | Yes | 7 |
| Humana Essentials Plus Giveback (HMO) | HMO | Yes | 6 |
| Humana Essentials Plus Giveback (HMO) | HMO | Yes | 6 |
| Humana Full Access (PPO) | PPO | Yes | 6 |
| Humana Full Access (PPO) | PPO | Yes | 6 |
| Humana Total Complete (HMO) | HMO | Yes | 6 |
| Humana Total Complete (HMO) | HMO | Yes | 6 |
| Humana Essentials Plus Giveback (HMO) | HMO | Yes | 4 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | 4 |
| Humana Community HMO Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | 3 |
| HumanaChoice H5216-032 (PPO) | PPO | Yes | 3 |
| HumanaChoice H7617-007 (PPO) | PPO | Yes | 1 |
| Longevity Health 1 plan | |||
| Longevity Health Plan (HMO I-SNP) | HMO I-SNP | Yes | 5 |
| Medical Associates Health Plan, Inc. 3 plans | |||
| Medical Associates Community Plan (Cost) | Cost | Yes | 1 |
| Medical Associates Freedom Plan (Cost) | Cost | Yes | 1 |
| Medical Associates SmartPlan (Cost) | Cost | Yes | 1 |
| Molina Healthcare of Illinois 1 plan | |||
| Molina Medicare Complete Care Plus (HMO D-SNP) | HMO D-SNP | Yes | 102 |
| Provider Partners Health Plans 1 plan | |||
| Provider Partners Illinois Advantage Plan (HMO I-SNP) | HMO I-SNP | Yes | 8 |
| UnitedHealthcare 24 plans | |||
| UHC Complete Care Support IL-1A (PPO C-SNP) | PPO C-SNP | Yes | 81 |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO) | PPO | Yes | 70 |
| AARP Medicare Advantage from UHC IA-0002 (HMO-POS) | HMO-POS | Yes | 67 |
| AARP Medicare Advantage from UHC IL-6 (PPO) | PPO | Yes | 56 |
| UHC Complete Care Support ST-1A (PPO C-SNP) | PPO C-SNP | Yes | 20 |
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) | HMO-POS | Yes | 19 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) | HMO-POS | Yes | 19 |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) | HMO-POS | Yes | 19 |
| AARP Medicare Advantage from UHC ST-0001 (PPO) | PPO | Yes | 19 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) | HMO-POS | Yes | 19 |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS) | HMO-POS | Yes | 14 |
| AARP Medicare Advantage from UHC IL-0004 (PPO) | PPO | Yes | 14 |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS) | HMO-POS | Yes | 14 |
| AARP Medicare Advantage from UHC IL-5 (PPO) | PPO | Yes | 14 |
| AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS) | HMO-POS | Yes | 14 |
| UHC Complete Care Support IL-7 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 14 |
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS) | HMO-POS | Yes | 6 |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) | HMO-POS | Yes | 6 |
| UHC Nursing Home Plan IL-F001 (PPO I-SNP) | PPO I-SNP | Yes | 6 |
| AARP Medicare Advantage from UHC IA-0003 (PPO) | PPO | Yes | 3 |
| AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) | PPO | Yes | 3 |
| AARP Medicare Advantage Patriot No Rx IA-MA2 (HMO-POS) | HMO-POS | Yes | 3 |
| UHC Complete Care IA-5 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 3 |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS) | HMO-POS | Yes | 2 |
| Zing Health 7 plans | |||
| Zing Select Care IL (HMO) | HMO | Yes | 12 |
| Zing Select Diabetes & Heart Complete IL (HMO C-SNP) | HMO C-SNP | Yes | 12 |
| Zing Select Diabetes & Heart IL (HMO C-SNP) | HMO C-SNP | Yes | 12 |
| Zing Select Dialysis IL (HMO C-SNP) | HMO C-SNP | Yes | 12 |
| Zing Elite Diabetes & Heart IL (HMO C-SNP) | HMO C-SNP | Yes | 5 |
| Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) | HMO C-SNP | Yes | 5 |
| Zing Elite Select IL-IN (HMO) | HMO | Yes | 5 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many Medicare Advantage plans are available in Illinois for 2027?
Do all 2027 Illinois Medicare Advantage plans include drug coverage?
What are the key dates for choosing a 2027 plan?
What should I do if my current plan is not returning for 2027?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.