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Medicare Advantage plans in McHenry County, IL for 2027
40 Medicare Advantage plans from 8 companies are available in McHenry County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 21. Lowest in-network out-of-pocket limit: $2,150.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (20)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Humana Total Complete (HMO) Humana | HMO | $0 | $700 | $2,150 | 3.5 |
| DEVOTED CORE 001 IL (HMO) Devoted Health | HMO | $0 | $650 | $2,700 | 4 |
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $2,900 | 4 |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $4,450 | 4 |
| DEVOTED CHOICE 001 IL (PPO) Devoted Health | PPO | $0 | $650 | $4,700 | 3.5 |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $4,900 | 4 |
| Zing Select Care IL (HMO) Zing Health | HMO | $0 | $450 | $4,950 | 2.5 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $5,000 | 3 |
| DEVOTED CHOICE 010 IL (PPO) Devoted Health | PPO | $0 | $650 | $5,400 | 3.5 |
| Wellcare Simple Essential (HMO) Wellcare | HMO | $0 | $700 | $5,500 | 3 |
| DEVOTED GIVEBACK EXTRAS 008 IL (HMO) Devoted Health | HMO | $0 | $700 | $5,900 | 4 |
| AARP Medicare Advantage from UHC IL-5 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 3.5 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 3.5 |
| Wellcare Giveback (HMO) Wellcare | HMO | $0 | $700 | $7,800 | 3 |
| DEVOTED GIVEBACK 003 IL (HMO) Devoted Health | HMO | $0 | $461 | $9,850 | 4 |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS) UnitedHealthcare | HMO-POS | $43 | $595 | $2,900 | 4 |
| Humana Gold Choice H8145-006 (PFFS) Humana | PFFS | $60 | $700 | $7,800 | 3.5 |
| HumanaChoice H7617-007 (PPO) Humana | PPO | $60 | $700 | $9,250 | 4.5 |
| AARP Medicare Advantage from UHC IL-0004 (PPO) UnitedHealthcare | PPO | $84 | $685 | $7,150 | 3.5 |
| HumanaChoice R5361-002 (Regional PPO) Humana | Regional PPO | $87 | $700 | $7,700 | 3 |
Plans without drug coverage (6)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Aetna Medicare Eagle (PPO) Aetna Medicare | PPO | $0 | $5,200 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,000 | 3.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,000 | 4.5 |
| Humana USAA Honor Giveback (Regional PPO) Humana | Regional PPO | $0 | $6,750 | 3 |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO) UnitedHealthcare | PPO | $0 | $7,150 | 3.5 |
| AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 |
Special needs plans (14)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| DEVOTED C-SNP ENHANCED 005 IL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $3,500 | 4 |
| DEVOTED C-SNP GIVEBACK EXTRAS 007 IL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $700 | $5,900 | 4 |
| Zing Select Diabetes & Heart IL (HMO C-SNP) Zing Health | HMO C-SNP | $0 | $400 | $6,900 | 2.5 |
| Zing Select Dialysis IL (HMO C-SNP) Zing Health | HMO C-SNP | $0 | $350 | $6,900 | 2.5 |
| Aetna Medicare Prime Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $700 | $7,150 | — |
| Humana Dual Fully Integrated (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,250 | — |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare FIDE | HMO D-SNP | $0 | $700 | $9,850 | — |
| DEVOTED C-SNP PLUS 006 IL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $9,850 | 4 |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of Illinois | HMO D-SNP | $0 | $700 | $9,850 | — |
| UHC Complete Care Support IL-1A (PPO C-SNP) UnitedHealthcare | PPO C-SNP | $0 | $610 | $9,850 | 4.5 |
| Wellcare Meridian Dual Align (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | — |
| Zing Select Diabetes & Heart Complete IL (HMO C-SNP) Zing Health | HMO C-SNP | $0 | $700 | $9,850 | 2.5 |
| UHC Complete Care Support IL-7 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $7.60 | $700 | $3,500 | 4 |
| Provider Partners Illinois Advantage Plan (HMO I-SNP) Provider Partners Health Plans | HMO I-SNP | $7.60 | $700 | $9,850 | 4 |
Stand-alone Part D drug plans in Illinois →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).