2027 plan year · Illinois
2027 Medicare Advantage plans in McHenry County, IL
40 plans from 8 insurers for 2027. 21 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $2,150.
- 26general plans
- 21$0-premium plans
- $2,150lowest out-of-pocket max
- 4.5 ★top star rating
- 14Special Needs Plans
2027 Medicare Advantage plans in McHenry County, IL
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| DEVOTED CHOICE 001 IL (PPO) Devoted Health · PPO · includes drug coverage | $0 | $4,700 | $650 | ★★★★★4.5 |
| DEVOTED CHOICE 010 IL (PPO) Devoted Health · PPO · includes drug coverage | $0 | $5,400 | $650 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,000 | — | ★★★★★4.5 |
| HumanaChoice H7617-007 (PPO) Humana · PPO · includes drug coverage | $60 | $9,250 | $700 | ★★★★★4.5 |
| Humana Total Complete (HMO) Humana · HMO · includes drug coverage | $0 | $2,150 | $700 | ★★★★★4 |
| DEVOTED CORE 001 IL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $2,700 | $650 | ★★★★★4 |
| Aetna Medicare Eagle (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $5,200 | — | ★★★★★4 |
| DEVOTED GIVEBACK EXTRAS 008 IL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $5,900 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,000 | — | ★★★★★4 |
| AARP Medicare Advantage from UHC IL-5 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★4 |
| DEVOTED GIVEBACK 003 IL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $9,850 | $461 | ★★★★★4 |
| Humana Gold Choice H8145-006 (PFFS) Humana · PFFS · includes drug coverage | $60 | $7,800 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC IL-0004 (PPO) UnitedHealthcare · PPO · includes drug coverage | $84 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $2,900 | $685 | ★★★★★3.5 |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $4,450 | $685 | ★★★★★3.5 |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $4,900 | $685 | ★★★★★3.5 |
| Zing Select Care IL (HMO) Zing Health · HMO · includes drug coverage | $0 | $4,950 | $450 | ★★★★★3.5 |
| Wellcare Simple Essential (HMO) Wellcare · HMO · includes drug coverage | $0 | $5,500 | $700 | ★★★★★3.5 |
| Humana USAA Honor Giveback (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $6,750 | — | ★★★★★3.5 |
| AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $7,150 | — | ★★★★★3.5 |
| Wellcare Giveback (HMO) Wellcare · HMO · includes drug coverage | $0 | $7,800 | $700 | ★★★★★3.5 |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $43 | $2,900 | $595 | ★★★★★3.5 |
| HumanaChoice R5361-002 (Regional PPO) Humana · Regional PPO · includes drug coverage | $87 | $7,700 | $700 | ★★★★★3.5 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $5,000 | $700 | ★★★★★3 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Complete Care Support IL-1A (PPO C-SNP) UnitedHealthcare · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $610 | ★★★★★4.5 |
| DEVOTED C-SNP ENHANCED 005 IL (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,500 | $465 | ★★★★★4 |
| DEVOTED C-SNP GIVEBACK EXTRAS 007 IL (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,900 | $700 | ★★★★★4 |
| DEVOTED C-SNP PLUS 006 IL (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $465 | ★★★★★4 |
| Zing Select Diabetes & Heart IL (HMO C-SNP) Zing Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,900 | $400 | ★★★★★3.5 |
| Zing Select Dialysis IL (HMO C-SNP) Zing Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,900 | $350 | ★★★★★3.5 |
| Aetna Medicare Prime Chronic Care (HMO C-SNP) Aetna Medicare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $7,150 | $700 | ★★★★★3.5 |
| Zing Select Diabetes & Heart Complete IL (HMO C-SNP) Zing Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| UHC Complete Care Support IL-7 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $7.60 | $3,500 | $700 | ★★★★★3.5 |
| Provider Partners Illinois Advantage Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $7.60 | $9,850 | $700 | ★★★★★3.5 |
| Humana Dual Fully Integrated (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,250 | $700 | Plan too new to be measured |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare FIDE · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of Illinois · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
| Wellcare Meridian Dual Align (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
What changed from 2026 to 2027
- 6 plans are new here for 2027.
- 27 plans offered here in 2026 aren't listed for 2027 (for example Aetna Medicare Prime Chronic Total (HMO C-SNP), Clear Spring Health BrightPath Advantage (HMO), Molina Medicare Complete Care Plus (HMO D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 34 plans offered both years, 3 raised the monthly premium and 8 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Other coverage options
- Stand-alone Part D drug plans in Illinois (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in McHenry County, IL for 2027?
40 plans from 8 insurers: 26 general plans open to anyone with Medicare Parts A and B who lives here, plus 14 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in McHenry County, IL?
Yes. 21 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in McHenry County, IL?
DEVOTED CHOICE 001 IL (PPO) from Devoted Health has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in McHenry County, IL?
Humana Total Complete (HMO) caps in-network out-of-pocket costs at $2,150 for 2027.