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

2027 Medicare Advantage Plans in Winnebago County, IL

Last update: October 4, 2026.

In Winnebago County, IL, there are 26 Medicare Advantage plans available for 2027. Of these, 20 offer a $0 monthly premium, and about 61% 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 Winnebago County, IL. Or explore all Medicare Options available in Winnebago 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
$14.58/mo
Plans with $0 Premium
20
Average MOOP Limit
$5,935 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 61% · 3 Stars: 39% · Below 3: 0%
Average Part D Deductible
$606.24
Total MA/MAPD Enrollment
24,202
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Aetna Medicare Advantra Signature Extra (PPO) — 6,866 enrollees
2. Aetna Medicare Advantra Enhanced (PPO) — 6,564 enrollees
3. Humana Gold Plus H1468-007 (HMO) — 2,618 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 16
  • Average Monthly Premium $16.88/mo
  • Total PPO Enrollment 20,263
  • $0 Premium PPO Plans 12
  • Average MOOP $6,000
  • Top PPO by Enrollment Aetna Medicare Advantra Signature Extra (PPO) — 6,866 enrollees
  • PPO Plans Without Drug Coverage 5

Comparison table of 2027 PPO Medicare Advantage Plans available in Winnebago 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
Humana Value Choice
☆☆☆☆☆
$0 $4,300 $700 H7617-018-0
AARP Medicare Advantage from UHC IL-6
☆☆☆☆☆
$59 $6,700 $685 H8768-011-0
AARP Medicare Advantage Patriot No Rx IL-MA01
☆☆☆☆☆
$0 $7,150 N/A H8768-019-0
Aetna Medicare Advantra Enhanced
☆☆☆☆☆
$51 $4,500 $700 H7301-002-0
Aetna Medicare Advantra Signature Extra
☆☆☆☆☆
$0 $5,200 $700 H7301-006-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,200 N/A H5521-286-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-355-0
Humana Value Choice
☆☆☆☆☆
$0 $4,450 $700 H5216-251-0
HumanaChoice H5216-283
☆☆☆☆☆
$0 $4,900 $250 H5216-283-0
HumanaChoice H5525-004
☆☆☆☆☆
$73 $6,300 $700 H5525-004-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A R5361-001-0
HumanaChoice R5361-002
☆☆☆☆☆
$87 $7,700 $700 R5361-002-0
DEVOTED CHOICE 003 IL
☆☆☆☆☆
$0 $4,150 $650 H8320-003-0
DEVOTED CHOICE GIVEBACK 004 IL
☆☆☆☆☆
$0 $9,850 $461 H8320-004-0
DEVOTED CHOICE GIVEBACK EXTRAS 019 IL
☆☆☆☆☆
$0 $6,850 $700 H8320-019-0
What is the total number of PPO plans offered in Winnebago?

There are 16 PPO plans in 2027, covering 20,263 beneficiaries.

How much do PPO plans cost in Winnebago?

The average PPO premium in Winnebago is $16.88 per month, with 12 plans offering $0 premiums.

What is the most popular PPO plan in Winnebago?

Aetna Medicare Advantra Signature Extra (PPO) is the top PPO in Winnebago, with 6,866 enrollees.

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

There are 5 PPO plans in Winnebago 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
$0.00/mo
Total HMO Enrollment
3,343
$0 Premium HMO Plans
5
Average MOOP
$5,370
Top HMO by Enrollment
Humana Gold Plus H1468-007 (HMO) — 2,618 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Winnebago County, Illinois
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H1468-007
☆☆☆☆☆
$0 $3,500 $700 H1468-007-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
$0 $5,500 $700 H5779-009-0
Zing Elite Select IL-IN
☆☆☆☆☆
$0 $5,100 $350 H4624-026-0
Zing Select Care IL
☆☆☆☆☆
$0 $4,950 $450 H4624-001-0

What is the average monthly premium for HMO plans?

HMO plans in Winnebago cost $0.00 per month on average.

Which HMO plan is most popular in Winnebago?

The most popular HMO plan in Winnebago is Humana Gold Plus H1468-007 (HMO), with 2,618 enrollees.

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

There are 0 HMO plans in Winnebago 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
4
Average Monthly Premium
$12.25/mo
Total HMO-POS Enrollment
569
$0 Premium HMO-POS Plans
3
Average MOOP
$5,913
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 316 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Winnebago County, Illinois
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC IA-0002
☆☆☆☆☆
$49 $5,900 $685 H5253-108-1
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,350 $400 H3192-013-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,900 $400 H1206-008-0
Wellcare Simple Value
☆☆☆☆☆
$0 $5,500 $700 H1416-084-0
What is the leading HMO-POS plan in Winnebago?

AARP Medicare Advantage from UHC IA-0002 (HMO-POS) is the top HMO-POS in Winnebago, with 316 enrollees.

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

0 HMO-POS plans in Winnebago 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
1
Average Monthly Premium
$60.00/mo
Total PFFS Enrollment
27
$0 Premium PFFS Plans
0
Average MOOP
$7,800
Top PFFS by Enrollment
Humana Gold Choice H8145-006 (PFFS) — 27 enrollees
PFFS Plans Without Drug Coverage
0

Comparison table of 2027 PFFS Medicare Advantage Plans available in Winnebago 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

What is the typical premium for PFFS plans in Winnebago?

PFFS plans in Winnebago cost $60.00 per month on average.

Which PFFS plan has the most enrollment in Winnebago?

The most popular PFFS plan in Winnebago is Humana Gold Choice H8145-006 (PFFS), with 27 enrollees.

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

There are 0 PFFS plans in Winnebago without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Winnebago County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 14 61%
3 Stars 9 39%
Below 3 Stars 0 0%
Not Rated 3 12%
Average Rating 3.83

* 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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