2026 Medicare Advantage Plans in Lake County, IL
Last update: . Enrollment data updated: June 13, 2026
Lake County, IL has 44 Medicare Advantage plans available in 2026. These include 35 plans with no monthly premium, and roughly 35% are rated at least 4 stars based on CMS data.
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.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 24
- Average Monthly Premium $23.01/mo
- Total PPO Enrollment 16,896
- $0 Premium PPO Plans 17
- Average MOOP $5,335
- Top PPO by Enrollment HumanaChoice H5216-251 (PPO) — 3,671 enrollees
- PPO Plans Without Drug Coverage 6
What is the most popular PPO plan in Lake?
HumanaChoice H5216-251 (PPO) is the top PPO in Lake, with 3,671 enrollees.
What is the number of PPO plans without Part D coverage in Lake?
There are 6 PPO plans in Lake without prescription drug coverage.
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
- 9
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 10,266
- $0 Premium HMO Plans
- 9
- Average MOOP
- $4,089
- Top HMO by Enrollment
- Humana Gold Plus H1468-013 (HMO) — 7,862 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| DEVOTED CORE 001 IL | $0 | $2,700 | $395 | H7151-001-0 | |
| DEVOTED GIVEBACK 003 IL | $0 | $8,850 | $605 | H7151-003-0 | |
| HealthSpring Preferred | $0 | $2,000 | $200 | H4513-085-0 | |
| HealthSpring Preferred Savings | $0 | $4,000 | $200 | H4513-086-0 | |
| Blue Cross Medicare Advantage Secure | $0 | $4,750 | $450 | H8547-001-0 | |
| Humana Gold Plus Giveback H1468-021 | $0 | $4,000 | $615 | H1468-021-0 | |
| Humana Gold Plus H1468-013 | $0 | $2,150 | $615 | H1468-013-0 | |
| Blue Cross Medicare Advantage Basic | $0 | $4,500 | $450 | H3822-001-0 | |
| Zing Choice IL | $0 | $3,850 | $0 | H4624-001-0 |
What is the typical premium for HMO plans in Lake?
HMO plans in Lake cost $0.00 per month on average.
Which HMO plan do most beneficiaries choose in Lake?
The most popular HMO plan in Lake is Humana Gold Plus H1468-013 (HMO), with 7,862 enrollees.
How many HMO options are offered without prescription drug coverage in Lake?
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 11
- Average Monthly Premium $10.91/mo
- Total HMO-POS Enrollment 2,141
- $0 Premium HMO-POS Plans 9
- Average MOOP $4,214
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC IL-2 (HMO-POS) — 566 enrollees
- HMO-POS Plans Without Drug Coverage 0
| 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 | $440 | H2802-024-0 | |
| AARP Medicare Advantage Extras from UHC IL-9 | $0 | $3,900 | $600 | H2802-075-0 | |
| AARP Medicare Advantage from UHC IL-0001 | $37 | $2,900 | $440 | H2802-025-0 | |
| AARP Medicare Advantage from UHC IL-2 | $0 | $3,900 | $520 | H2802-054-0 | |
| HealthSpring Premier | $0 | $2,900 | $200 | H4513-084-0 | |
| Aetna Medicare Prime | $0 | $5,900 | $615 | H3192-001-0 | |
| Blue Cross Medicare Advantage Basic Plus | $0 | $6,750 | $450 | H3822-007-0 | |
| Blue Cross Medicare Advantage Premier Plus | $83 | $3,500 | $450 | H3822-008-0 | |
| Wellcare Simple | $0 | $3,900 | $615 | H1416-009-0 | |
| Wellcare Simple Value | $0 | $3,900 | $615 | H1416-082-0 | |
| Aetna Medicare Signature | $0 | $5,900 | $615 | H1206-003-0 |
What is the total number of HMO-POS plans in Lake?
In 2026, Lake has 11 HMO-POS plans with 2,141 enrollees.
How much do HMO-POS plans cost in Lake?
The typical HMO-POS premium in Lake is $10.91, and 9 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Lake County, IL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 15 | 35% |
| 3 Stars | 27 | 63% |
| Below 3 Stars | 1 | 2% |
| Not Rated | 1 | 2% |
| Average Rating | 3.58 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 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 .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.