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2027 Medicare Advantage Plans in Lake County, IL

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In Lake County, IL, there are 32 Medicare Advantage plans available for 2027. Of these, 27 offer a $0 monthly premium, and about 63% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Lake County, IL. Or explore all Medicare Options available in Lake County, IL.

At a Glance

Average Monthly Premium
$10.88/mo
Plans with $0 Premium
27
Average MOOP Limit
$5,480 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 63% · 3 Stars: 38% · Below 3: 0%
Average Part D Deductible
$616.58
Total MA/MAPD Enrollment
26,976
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Humana Total Complete (HMO) — 7,804 enrollees
2. Humana Value Choice (PPO) — 3,801 enrollees
3. Humana Value Choice (PPO) — 3,598 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
17
Average Monthly Premium
$17.94/mo
Total PPO Enrollment
15,593
$0 Premium PPO Plans
13
Average MOOP
$5,956
Top PPO by Enrollment
Humana Value Choice (PPO) — 3,801 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Lake County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
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
What is the total number of PPO plans offered in Lake?

Lake County has 17 PPO plans for 2027, with 15,593 enrolled.

How much do PPO plans cost in Lake?

The typical PPO premium in Lake is $17.94, and 13 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
7
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
9,244
$0 Premium HMO Plans
7
Average MOOP
$5,000
Top HMO by Enrollment
Humana Total Complete (HMO) — 7,804 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Lake County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
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
Zing Select Care IL
☆☆☆☆☆
 $0 $4,950 $450 H4624-001-0
What is the average monthly premium for HMO plans?
HMO plans in Lake cost $0.00 per month on average.
Which HMO plan is most popular in Lake?
The most popular HMO plan in Lake is Humana Total Complete (HMO), with 7,804 enrollees.
How many HMO plans in Lake do not include drug coverage?
There are 0 HMO plans in Lake without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 8
  • Average Monthly Premium $5.38/mo
  • Total HMO-POS Enrollment 2,139
  • $0 Premium HMO-POS Plans 7
  • Average MOOP $4,888
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC IL-2 (HMO-POS) — 538 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Lake County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
Wellcare Simple
☆☆☆☆☆
 $0 $5,000 $700 H1416-009-0
What is the total number of HMO-POS plans in Lake?

There are 8 HMO-POS plans in 2027, covering 2,139 enrollees.

How much do HMO-POS plans cost in Lake?

The average HMO-POS premium in Lake is $5.38 per month, with 7 plans offering $0 premiums.

What is the leading HMO-POS plan in Lake?

AARP Medicare Advantage from UHC IL-2 (HMO-POS) is the top HMO-POS in Lake, with 538 enrollees.

What is the number of HMO-POS plans without Part D coverage in Lake?

1 HMO-POS plans in Lake do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Lake County, IL for 2027.

CMS Star Ratings for Medicare Advantage Plans in Lake County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 20 63%
3 Stars 12 38%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.86

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

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

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
AARP.org The Big Choice: Original Medicare vs. Medicare Advantage 25 May, 2025

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .