Medicare Advantage
UnitedHealthcare Medicare Advantage in Illinois for 2027: 24 Plans, County by County
ILLINOIS — For the 2027 plan year, UnitedHealthcare is offering 24 Medicare Advantage plans across Illinois, according to the CMS Medicare Advantage Landscape Source File. The lineup is a mix of HMO-POS and PPO plans, and every plan on the list for Illinois includes drug coverage. Because Medicare Advantage is sold county by county, the number of UnitedHealthcare options an individual Illinois resident actually sees depends on where that person lives.
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Key takeaways
- UnitedHealthcare lists 24 Medicare Advantage plans statewide in Illinois for 2027, all with drug coverage.
- Three of those plans are new for 2027, and three UnitedHealthcare plans from 2026 are not returning.
- Illinois Medicare shoppers have 12 other Medicare Advantage carriers to compare against, for 139 plans in all statewide.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made in that window takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This article is published by an independent Medicare education site. It is privately owned and is not the federal government, not affiliated with any government agency, and not UnitedHealthcare or any other insurance carrier.
What is UnitedHealthcare offering across Illinois for 2027?
UnitedHealthcare is offering 24 Medicare Advantage plans in Illinois for the 2027 plan year. By plan type, that breaks down to 14 HMO-POS plans and 10 PPO plans. All 24 plans include Part D prescription drug coverage.
Within that count, UnitedHealthcare also lists Special Needs Plans in Illinois for 2027: four Chronic Condition SNPs (C-SNPs) and one Institutional SNP (I-SNP). The carrier has no D-SNP (Dual-Eligible) listed in Illinois for 2027. SNPs are limited to people who meet specific eligibility rules — for example, a qualifying chronic condition for a C-SNP, or living in a qualifying institutional setting for an I-SNP.
For comparison, 12 other Medicare Advantage carriers are offering plans somewhere in Illinois for 2027, and the statewide total across all carriers is 139 plans. The full plan-by-plan list, including plan names and county reach, is rendered as a table on this page.
Which UnitedHealthcare plans reach the most Illinois counties in 2027?
Several UnitedHealthcare plans in Illinois for 2027 are listed in a broad set of counties, while others appear in only a handful. According to the CMS Landscape file, the UnitedHealthcare plan with the widest county reach in Illinois is UHC Complete Care Support IL-1A (PPO C-SNP), listed in 81 counties — though as a C-SNP it is limited to people with a qualifying chronic condition.
Among the general-enrollment UnitedHealthcare plans, AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO) is listed in 70 counties, AARP Medicare Advantage from UHC IA-0002 (HMO-POS) in 67 counties, and AARP Medicare Advantage from UHC IL-6 (PPO) in 56 counties. On the narrower end, some plans such as AARP Medicare Advantage from UHC ST-1P (HMO-POS) are listed in only 2 counties. The complete county counts for every UnitedHealthcare plan appear in the table above.
Being listed statewide does not mean a plan is offered in every county. A plan on the Illinois list may not be available where any given reader lives.
What UnitedHealthcare plans are new or not returning in Illinois for 2027?
UnitedHealthcare has 3 Medicare Advantage plans that are new for 2027 in Illinois and 3 plans from 2026 that are not returning for 2027, based on the CMS Landscape files for the current and coming plan year.
The three new plans listed for 2027 are AARP Medicare Advantage Patriot No Rx IA-MA2 (HMO-POS), AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS), and UHC Complete Care IA-5 (HMO-POS C-SNP). Each new plan is listed in a defined set of counties — again, see the table for exactly where. If a reader is in a plan that is not returning, UnitedHealthcare and CMS send a written notice explaining the change and the options available during the Annual Enrollment Period.
How do I check whether a UnitedHealthcare plan is offered in my Illinois county and covers my doctors and drugs?
To confirm whether a specific UnitedHealthcare plan is offered in a given Illinois county for 2027, use the Medicare Plan Finder at medicare.gov and enter the ZIP code. Plans in the CMS Landscape file are listed county by county, so a UnitedHealthcare plan that appears on the Illinois statewide list may not be offered in the reader's own county.
Three checks are worth doing before choosing any Medicare Advantage plan:
1. Confirm the plan is offered in the ZIP code and county on medicare.gov. 2. Check the plan's provider directory to see whether current doctors, hospitals and specialists are in-network for 2027. 3. Check the plan's drug formulary to see whether current prescriptions are covered, and at what tier.
Provider networks, formularies, premiums, deductibles, copays, extra benefits and star ratings vary plan by plan. Those details come from the plan's own Evidence of Coverage, the plan's directories, or the Medicare Plan Finder — not from the Landscape file.
What should Illinois Medicare shoppers do before December 7, 2026?
The Medicare Annual Enrollment Period runs October 15 through December 7, 2026, and any plan choice made during that window takes effect January 1, 2027. Illinois residents comparing UnitedHealthcare's 24 Medicare Advantage plans against the 139 plans available statewide from all 13 carriers can use that time to review the Annual Notice of Change from their current plan, build a list of doctors and prescriptions, run those against each plan in the Medicare Plan Finder, and make a selection by December 7.
Nothing requires a decision earlier than December 7, 2026. People who are already satisfied with their current coverage and whose plan is returning for 2027 are not required to take action.
Where can Illinois residents get free help comparing 2027 Medicare Advantage plans?
Two free, official resources are available to any Illinois Medicare beneficiary. The Medicare Plan Finder at medicare.gov lets a person enter a ZIP code and a drug list and see every Medicare Advantage plan available in that county for 2027, including UnitedHealthcare's. And 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, seven days a week, to answer questions about enrollment periods, plan availability and how Medicare works.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Illinois for 2027
CMS lists 24 UnitedHealthcare Medicare Advantage plans across Illinois for 2027, alphabetically by carrier, widest county reach first. 12 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| 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 |
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.
The 2027 choices, by type
How UnitedHealthcare Medicare Advantage plans across Illinois break down for 2027
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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are offered in Illinois for 2027?
Does being listed in Illinois mean a UnitedHealthcare plan is available in my county?
What is the deadline to choose a 2027 Medicare Advantage plan?
Where can I compare UnitedHealthcare plans against other carriers in Illinois?
- 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.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): the Illinois plan counts, plan names, plan types, SNP counts, drug-coverage flag and county reach for UnitedHealthcare.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison that identifies plans new for 2027 and plans not returning.
- Medicare.gov (CMS) — Medicare enrollment periods: the Annual Enrollment Period dates and January 1, 2027 effective date.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.