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

2027 Medicare Advantage Plans in Union County, IL

Last update: October 4, 2026.

In Union County, IL, there are 20 Medicare Advantage plans available for 2027. Of these, 15 offer a $0 monthly premium, and about 47% 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 Union County, IL. Or explore all Medicare Options available in Union 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
Plans with $0 Premium
15
Average MOOP Limit
$6,478 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 47% · 3 Stars: 53% · Below 3: 0%
Average Part D Deductible
$676.73
Total MA/MAPD Enrollment
279
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 100 enrollees
2. HumanaChoice Giveback H5216-403 (PPO) — 61 enrollees
3. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 47 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
11
Average Monthly Premium
$16.18/mo
Total PPO Enrollment
79
$0 Premium PPO Plans
8
Average MOOP
$6,468
Top PPO by Enrollment
HumanaChoice Giveback H5216-403 (PPO) — 61 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Union County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H7617-022-0
HumanaChoice Giveback H7617-013
☆☆☆☆☆
$0 $5,000 $700 H7617-013-0
AARP Medicare Advantage from UHC ST-0001
☆☆☆☆☆
$58 $7,150 $685 H2406-043-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-355-0
HumanaChoice Giveback H5216-403
☆☆☆☆☆
$0 $5,000 $700 H5216-403-0
HumanaChoice H5216-399
☆☆☆☆☆
$33 $6,250 $700 H5216-399-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A R5361-001-0
HumanaChoice R5361-002
☆☆☆☆☆
$87 $7,700 $700 R5361-002-0
DEVOTED CHOICE 005 IL
☆☆☆☆☆
$0 $4,450 $650 H8320-005-0
DEVOTED CHOICE GIVEBACK 006 IL
☆☆☆☆☆
$0 $9,850 $461 H8320-006-0
DEVOTED CHOICE GIVEBACK EXTRAS 020 IL
☆☆☆☆☆
$0 $7,000 $700 H8320-020-0
What is the total number of PPO plans offered in Union?

Union County has 11 PPO plans for 2027, with 79 enrolled.

How much do PPO plans cost in Union?

The typical PPO premium in Union is $16.18, and 8 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
2
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
11
$0 Premium HMO Plans
2
Average MOOP
$6,650
Top HMO by Enrollment
Wellcare Simple Essential (HMO) — 11 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Union County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Wellcare Giveback
☆☆☆☆☆
$0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
$0 $5,500 $700 H5779-009-0
What is the average monthly premium for HMO plans?
HMO plans in Union cost $0.00 per month on average.
Which HMO plan is most popular in Union?
The most popular HMO plan in Union is Wellcare Simple Essential (HMO), with 11 enrollees.
How many HMO plans in Union do not include drug coverage?
There are 0 HMO plans in Union 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 5
  • Average Monthly Premium $3.80/mo
  • Total HMO-POS Enrollment 161
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $5,490
  • Top HMO-POS by Enrollment AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 100 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Union County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage CareFlex from UHC ST-6
☆☆☆☆☆
$0 $7,150 $685 H2802-073-0
AARP Medicare Advantage Essentials from UHC ST-3
☆☆☆☆☆
$0 $4,450 $685 H2802-028-0
AARP Medicare Advantage Extras from UHC ST-4
☆☆☆☆☆
$19 $4,450 $685 H2802-052-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
$0 $5,900 N/A H2802-050-0
Wellcare Simple Value
☆☆☆☆☆
$0 $5,500 $700 H1416-084-0
What is the total number of HMO-POS plans in Union?

There are 5 HMO-POS plans in 2027, covering 161 enrollees.

How much do HMO-POS plans cost in Union?

The average HMO-POS premium in Union is $3.80 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Union?

AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) is the top HMO-POS in Union, with 100 enrollees.

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

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

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
2
Average Monthly Premium
$30.00/mo
Total PFFS Enrollment
28
$0 Premium PFFS Plans
1
Average MOOP
$8,825
Top PFFS by Enrollment
Humana Gold Choice H8145-126 (PFFS) — 15 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Union County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-006
☆☆☆☆☆
$60 $7,800 $700 H8145-006-0
Humana Gold Choice H8145-126
☆☆☆☆☆
$0 $9,850 N/A H8145-126-0

What is the average monthly premium for PFFS plans?

PFFS plans in Union cost $30.00 per month on average.

Which PFFS plan is most popular in Union?

The most popular PFFS plan in Union is Humana Gold Choice H8145-126 (PFFS), with 15 enrollees.

How many PFFS plans in Union do not include drug coverage?

There are 1 PFFS plans in Union without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Union County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 8 47%
3 Stars 9 53%
Below 3 Stars 0 0%
Not Rated 3 15%
Average Rating 3.76

* 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

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

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.

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