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2027 Medicare Advantage Plans in Cook County, IL

Last update: .

For 2027, Cook County, IL includes 48 Medicare Advantage plans. Enrollment across these plans totals approximately 228,645, with 39 $0 premium options and 52% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Cook County, IL are summarized separately. Visit Medicare Options in Cook County, IL to see more options.

At a Glance

  • Average Monthly Premium: $15.69/mo
  • $0 Premium Plans: 39
  • Average MOOP: $5,242 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 52% · 3 Stars: 48% · Below 3: 0%
  • Average Part D Deductible: $606.69
  • Total MA/MAPD Enrollment: 228,645
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. Humana Total Complete (HMO) — 61,736 enrollees
    2. Aetna Medicare Signature Extra (PPO) — 19,119 enrollees
    3. Humana Value Choice (PPO) — 18,051 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
22
Average Monthly Premium
$28.23/mo
Total PPO Enrollment
98,515
$0 Premium PPO Plans
16
Average MOOP
$5,670
Top PPO by Enrollment
Aetna Medicare Signature Extra (PPO) — 19,119 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in Cook County, Illinois (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
DEVOTED CHOICE 001 IL
☆☆☆☆☆
 $0 $4,700 $650 H6545-001-0
DEVOTED CHOICE 010 IL
☆☆☆☆☆
 $0 $5,400 $650 H6545-010-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,000 N/A H7617-022-0
Humana Value Choice
☆☆☆☆☆
 $0 $4,300 $700 H7617-018-0
AARP Medicare Advantage from UHC IL-0004
☆☆☆☆☆
 $84 $7,150 $685 H8768-005-0
AARP Medicare Advantage from UHC IL-5
☆☆☆☆☆
 $0 $7,150 $685 H8768-010-0
AARP Medicare Advantage Patriot No Rx IL-MA01
☆☆☆☆☆
 $0 $7,150 N/A H8768-019-0
Aetna Medicare Eagle
☆☆☆☆☆
 $0 $5,200 N/A H5521-286-0
Aetna Medicare Premier
☆☆☆☆☆
 $42 $5,200 $700 H5521-016-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $7,150 $700 H7301-013-0
Aetna Medicare Signature Extra
☆☆☆☆☆
 $0 $5,500 $700 H5521-086-0
Essence Advantage Choice
☆☆☆☆☆
 $0 $4,450 $700 H6200-009-0
Essence Advantage Choice Plus
☆☆☆☆☆
 $49 $6,700 $700 H6200-010-0
Essence Advantage Premier Plus
☆☆☆☆☆
 $267 $2,900 $700 H6200-011-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,000 N/A H5216-355-0
Humana Value Choice
☆☆☆☆☆
 $0 $4,450 $700 H5216-251-0
HumanaChoice H5216-013
☆☆☆☆☆
 $92 $6,550 $700 H5216-013-0
HumanaChoice H5216-283
☆☆☆☆☆
 $0 $4,900 $250 H5216-283-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,750 N/A R5361-001-0
HumanaChoice R5361-002
☆☆☆☆☆
 $87 $7,700 $700 R5361-002-0
HealthSpring True Choice
☆☆☆☆☆
 $0 $4,450 $700 H7849-002-0
HealthSpring True Choice Savings
☆☆☆☆☆
 $0 $5,000 $700 H7849-080-0

What is the average monthly premium for PPO plans in Cook?

PPO plans in Cook cost $28.23 per month on average.

Which PPO plan has the highest enrollment in Cook?

The most popular PPO plan in Cook is Aetna Medicare Signature Extra (PPO), with 19,119 enrollees.

How many PPO plans in Cook do not include prescription drug coverage?

5 PPO plans in Cook do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 14
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 89,115
  • $0 Premium HMO Plans 14
  • Average MOOP $4,771
  • Top HMO by Enrollment Humana Total Complete (HMO) — 61,736 enrollees
  • HMO Plans Without Drug Coverage 0

2027 HMO Medicare Advantage plans in Cook County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
DEVOTED CORE 001 IL
☆☆☆☆☆
 $0 $2,700 $650 H7151-001-0
DEVOTED GIVEBACK 003 IL
☆☆☆☆☆
 $0 $9,850 $461 H7151-003-0
DEVOTED GIVEBACK EXTRAS 008 IL
☆☆☆☆☆
 $0 $5,900 $700 H7151-008-0
Essence Advantage Select
☆☆☆☆☆
 $0 $2,900 $300 H2610-027-0
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $4,250 $700 H1468-021-0
Humana Total Complete
☆☆☆☆☆
 $0 $2,150 $700 H1468-013-0
Aetna Medicare Prime Extra Care
☆☆☆☆☆
 $0 $5,200 $400 H1206-010-0
HealthSpring Preferred
☆☆☆☆☆
 $0 $3,300 $500 H4513-085-0
HealthSpring Preferred Savings
☆☆☆☆☆
 $0 $4,000 $300 H4513-086-0
Wellcare Giveback
☆☆☆☆☆
 $0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
 $0 $5,500 $700 H5779-009-0
Wellcare Simple Exclusive
☆☆☆☆☆
 $0 $3,200 $700 H5779-007-0
Zing Elite Select IL-IN
☆☆☆☆☆
 $0 $5,100 $350 H4624-026-0
Zing Select Care IL
☆☆☆☆☆
 $0 $4,950 $450 H4624-001-0
What is the top HMO by enrollment in Cook?

Humana Total Complete (HMO) is the top HMO in Cook, with 61,736 enrollees.

What is the number of HMO plans without Part D coverage in Cook?

0 HMO plans in Cook do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
11
Average Monthly Premium
$6.55/mo
Total HMO-POS Enrollment
40,947
$0 Premium HMO-POS Plans
9
Average MOOP
$4,750
Top HMO-POS by Enrollment
Wellcare Simple (HMO-POS) — 13,222 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Cook County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage Essentials from UHC IL-8
☆☆☆☆☆
 $0 $2,900 $685 H2802-024-0
AARP Medicare Advantage Extras from UHC IL-9
☆☆☆☆☆
 $0 $4,450 $685 H2802-075-0
AARP Medicare Advantage from UHC IL-0001
☆☆☆☆☆
 $43 $2,900 $595 H2802-025-0
AARP Medicare Advantage from UHC IL-2
☆☆☆☆☆
 $0 $4,900 $685 H2802-054-0
AARP Medicare Advantage Patriot No Rx IL-MA2
☆☆☆☆☆
 $0 $7,150 N/A H2802-091-0
Aetna Medicare Prime
☆☆☆☆☆
 $0 $5,900 $400 H3192-001-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $5,900 $400 H1206-003-0
HealthSpring Premier
☆☆☆☆☆
 $0 $4,450 $500 H4513-084-0
Blue Cross Medicare Advantage Basic
☆☆☆☆☆
 $29 $5,500 $500 H3822-001-0
Wellcare Simple
☆☆☆☆☆
 $0 $5,000 $700 H1416-009-0
Wellcare Simple Exclusive Value
☆☆☆☆☆
 $0 $3,200 $700 H1416-085-0

What is the typical premium for HMO-POS plans in Cook?

HMO-POS plans in Cook cost $6.55 per month on average.

Which HMO-POS plan has the most members in Cook?

The most popular HMO-POS plan in Cook is Wellcare Simple (HMO-POS), with 13,222 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Cook?

There are 1 HMO-POS plans in Cook without prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.

Total PFFS Plans
1
Average Monthly Premium
$60.00/mo
Beneficiaries Enrolled
68
$0 Premium PFFS
0
Average MOOP
$7,800
PFFS with the Highest Enrollment
Humana Gold Choice H8145-006 (PFFS) with 68 enrollees
PFFS Without Drug Coverage
0

2027 PFFS Medicare Advantage plans in Cook County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Choice H8145-006
☆☆☆☆☆
 $60 $7,800 $700 H8145-006-0
What is the total number of PFFS plans in Cook?

In 2027, Cook has 1 PFFS plans with 68 enrollees.

How much do PFFS plans cost in Cook?

The typical PFFS premium in Cook is $60.00, and 0 plans have no monthly premium.

CMS quality ratings for Medicare Advantage plans in Cook County, IL (2027) are summarized below.

Medicare Advantage Plan Ratings in Cook County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 25 52%
3 Stars 23 48%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.75

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 25 May, 2025

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .