Medicare Advantage

Medicare Plan Count for Springfield, Illinois in 2027

SPRINGFIELD, Ill. — If you're turning 65 soon, or you're already on Medicare and thinking about your coverage for 2027, here's a useful starting point: CMS listed a healthy menu of Medicare choices for Springfield-area residents for the 2026 plan year, and the 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.

Springfield sits in Sangamon County, where the Centers for Medicare & Medicaid Services (CMS) counted 33 Medicare Advantage plans for the 2026 plan year. That's not a ranking or a recommendation — it's simply how many options were on the table before you narrow things down. The 2027 count is in each plan's ANOC and on Medicare.gov's Plan Finder.

How many Medicare options are in the Springfield area

According to CMS's 2026 Medicare Advantage and Part D Landscape data for Sangamon County:

• 33 Medicare Advantage plans are available to local residents.
• 7 carriers are offering Medicare Advantage plans that include prescription drug coverage (often called MA-PD).
• Illinois has 12 stand-alone Part D plans for 2026, sold statewide, and anyone in Sangamon County with Original Medicare can join one of them. (Stand-alone Part D plans are tracked separately by CMS and are generally available in every region — you can confirm what's offered near you on Medicare's Plan Finder.)
• Under CMS's 2026 Star Ratings, 3 contracts offering plans in the area are rated 4 stars or higher.

For context, there are roughly 37,849 people age 65 and older in Sangamon County, so these options are serving a sizeable local Medicare community.

Why the plan count matters (and why it doesn't tell the whole story)

A bigger number of plans isn't automatically better. What it does mean is that most Springfield-area beneficiaries have real choices — different networks, different drug formularies, different extras. But no single plan is right for everyone.

The plan that fits your neighbor may not fit you. The right question isn't "which plan is the most popular?" It's "which plan covers my doctors, my prescriptions, and the way I actually use health care?"

What the "parts" of Medicare mean when you're comparing options

When you look at 33 plans, it helps to know what buckets they fall into:

• Original Medicare is Part A (hospital) and Part B (doctor and outpatient). It's run directly by the federal government.
• Medicare Advantage (Part C) bundles Part A, Part B, and usually Part D into one plan run by a private insurer. The 33 plans in Sangamon County fall into this category.
• Part D is prescription drug coverage. You can get it built into a Medicare Advantage plan or as a stand-alone plan alongside Original Medicare.
• Medigap (Medicare Supplement) is separate insurance that helps pay some out-of-pocket costs Original Medicare leaves behind.

A few program facts worth knowing for 2027

These apply nationwide, not just in Springfield, but they'll shape any comparison you do:

• The Part D out-of-pocket cap is $2,100 for 2026. Once your drug spending hits that number, you're done paying for covered drugs the rest of the year.
• The Part D deductible can be no higher than $615 in 2026 and $700 in 2027.
• The old coverage gap ("donut hole") is gone as of 2025. Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly installments — it's optional and free to opt into.
• IRMAA — the income-related surcharge on Part B and Part D premiums — kicks in above $109,000 in income for a single filer in 2026.

Key dates for Springfield residents

• October 15 – December 7: Medicare Annual Enrollment Period. This is when most people join, drop, or switch Medicare Advantage and Part D plans.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you get one chance to switch to another Advantage plan or return to Original Medicare.

Missing these windows can lock you into a plan for the year, so it's worth marking the calendar.