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  1. 🏠
  2. Medicare Advantage Plans
  3. Illinois
  4. McHenry County

2027 Medicare Advantage Plans in McHenry County, IL

Last update: October 5, 2026.

For 2027, McHenry County, IL includes 26 Medicare Advantage plans. Enrollment across these plans totals approximately 6,650, with 21 $0 premium options and 58% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for McHenry County, IL are provided separately. Or you can discover all Medicare Options in McHenry County, IL.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $12.85/mo
  • $0 Premium Plans: 21
  • Average MOOP: $5,906 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 58% · 3 Stars: 42% · Below 3: 0%
  • Average Part D Deductible: $659.05
  • Total MA/MAPD Enrollment: 6,650
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. Humana Total Complete (HMO) — 1,640 enrollees
    2. AARP Medicare Advantage from UHC IL-5 (PPO) — 1,019 enrollees
    3. Aetna Medicare Signature (PPO) — 880 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
12
Average Monthly Premium
$19.25/mo
Total PPO Enrollment
3,377
$0 Premium PPO Plans
9
Average MOOP
$6,633
Top PPO by Enrollment
AARP Medicare Advantage from UHC IL-5 (PPO) — 1,019 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in McHenry 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
HumanaChoice H7617-007
☆☆☆☆☆
$60 $9,250 $700 H7617-007-0
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 Signature
☆☆☆☆☆
$0 $7,150 $700 H7301-033-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-355-0
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 typical premium for PPO plans available in McHenry?

PPO plans in McHenry cost $19.25 per month on average.

Which PPO plan do most beneficiaries choose in McHenry?

The most popular PPO plan in McHenry is AARP Medicare Advantage from UHC IL-5 (PPO), with 1,019 enrollees.

How many PPO options are offered without drug coverage in McHenry?

5 PPO plans in McHenry 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 7
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 2,024
  • $0 Premium HMO Plans 7
  • Average MOOP $5,550
  • Top HMO by Enrollment Humana Total Complete (HMO) — 1,640 enrollees
  • HMO Plans Without Drug Coverage 0

2027 HMO Medicare Advantage plans in McHenry 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
Humana Total Complete
☆☆☆☆☆
$0 $2,150 $700 H1468-013-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
$0 $5,500 $700 H5779-009-0
Zing Select Care IL
☆☆☆☆☆
$0 $4,950 $450 H4624-001-0
What is the total number of HMO plans offered in McHenry?

In 2027, McHenry County has 7 HMO plans with 2,024 enrollees.

How much do HMO plans cost in McHenry?

The typical HMO premium in McHenry is $0.00, and 7 plans have no monthly premium.

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
6
Average Monthly Premium
$7.17/mo
Total HMO-POS Enrollment
1,232
$0 Premium HMO-POS Plans
5
Average MOOP
$4,550
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS) — 754 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in McHenry 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
Wellcare Simple
☆☆☆☆☆
$0 $5,000 $700 H1416-009-0
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in McHenry cost $7.17 per month on average.
Which HMO-POS plan is most popular in McHenry?
The most popular HMO-POS plan in McHenry is AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS), with 754 enrollees.
How many HMO-POS plans in McHenry do not include drug coverage?
There are 1 HMO-POS plans in McHenry without prescription drug coverage.

Medicare Advantage PFFS Plans

Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.

  • Total PFFS Plans 1
  • Average Monthly Premium $60.00/mo
  • Total PFFS Enrollment 17
  • $0 Premium PFFS Plans 0
  • Average MOOP $7,800
  • Top PFFS by Enrollment Humana Gold Choice H8145-006 (PFFS) — 17 enrollees
  • PFFS Plans Without Drug Coverage 0

2027 PFFS Medicare Advantage plans in McHenry 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 McHenry?

There are 1 PFFS plans in 2027, covering 17 enrollees.

How much do PFFS plans cost in McHenry?

The average PFFS premium in McHenry is $60.00 per month, with 0 plans offering $0 premiums.

What is the top PFFS plan in McHenry?

Humana Gold Choice H8145-006 (PFFS) is the top PFFS in McHenry, with 17 enrollees.

What is the number of PFFS plans without Part D coverage in McHenry?

0 PFFS plans in McHenry do not include prescription drug coverage.

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

Quality Ratings for Medicare Advantage Plans in McHenry County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 15 58%
3 Stars 11 42%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.85

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

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 Explore your Medicare coverage options 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 .

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.

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