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

2027 Medicare Advantage Plans in Washington County, IL

Last update: October 4, 2026.

In Washington County, IL, there are 23 Medicare Advantage plans available for 2027. Of these, 17 offer a $0 monthly premium, and about 55% 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 Washington County, IL. Or explore all Medicare Options available in Washington 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
$13.74/mo
Plans with $0 Premium
17
Average MOOP Limit
$6,100 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 55% · 3 Stars: 45% · Below 3: 0%
Average Part D Deductible
$613.94
Total MA/MAPD Enrollment
366
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 182 enrollees
2. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 96 enrollees
3. HumanaChoice Giveback H5216-403 (PPO) — 28 enrollees

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 11
  • Average Monthly Premium $16.18/mo
  • Total PPO Enrollment 73
  • $0 Premium PPO Plans 8
  • Average MOOP $6,468
  • Top PPO by Enrollment HumanaChoice Giveback H5216-403 (PPO) — 28 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2027 PPO Medicare Advantage Plans available in Washington County, Illinois
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 Washington?

There are 11 PPO plans in 2027, covering 73 beneficiaries.

How much do PPO plans cost in Washington?

The average PPO premium in Washington is $16.18 per month, with 8 plans offering $0 premiums.

What is the most popular PPO plan in Washington?

HumanaChoice Giveback H5216-403 (PPO) is the top PPO in Washington, with 28 enrollees.

What is the number of PPO plans without Part D coverage in Washington?

There are 3 PPO plans in Washington 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
5
Average Monthly Premium
$11.80/mo
Total HMO Enrollment
0
$0 Premium HMO Plans
4
Average MOOP
$4,810
Top HMO by Enrollment
— 0 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Washington County, Illinois
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Essence Advantage
☆☆☆☆☆
$0 $3,400 $0 H2610-005-0
Essence Advantage Plus
☆☆☆☆☆
$59 $2,900 $450 H2610-006-0
Essence Advantage Select
☆☆☆☆☆
$0 $4,450 $450 H2610-016-0
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 Washington cost $11.80 per month on average.

Which HMO plan is most popular in Washington?

The most popular HMO plan in Washington is , with 0 enrollees.

How many HMO plans in Washington do not include drug coverage?

There are 0 HMO plans in Washington without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network rules 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
293
$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) — 182 enrollees
HMO-POS Plans Without Drug Coverage
1

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Washington County, Illinois
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 leading HMO-POS plan in Washington?

AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) is the top HMO-POS in Washington, with 182 enrollees.

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

1 HMO-POS plans in Washington 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
0
$0 Premium PFFS Plans
1
Average MOOP
$8,825
Top PFFS by Enrollment
— 0 enrollees
PFFS Plans Without Drug Coverage
1

Comparison table of 2027 PFFS Medicare Advantage Plans available in Washington County, Illinois
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 typical premium for PFFS plans in Washington?

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

Which PFFS plan has the most enrollment in Washington?

The most popular PFFS plan in Washington is , with 0 enrollees.

How many PFFS options are available without prescription drug coverage in Washington?

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

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

CMS Star Ratings for Medicare Advantage Plans in Washington County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 11 55%
3 Stars 9 45%
Below 3 Stars 0 0%
Not Rated 3 13%
Average Rating 3.8

* 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

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.

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
Medicare.gov Joining a plan 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.

This page follows data provenance practices aligned with the 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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