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Medicare plans in Monroe County, IL — 2026
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2026, Monroe County, Illinois has 60 Medicare plans (34 Medicare Advantage with drug coverage, 6 without, 12 standalone Part D, 8 Special Needs) from 10 carriers. 28 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $2,000.
Market snapshot
- Residents 65 and older
- 6,913
- Residents 60–64, aging in over the next five years
- 2,668
- Medicare eligibles
- 8,811
- Medicare Advantage penetration
- 53.6%
- Plans per 1,000 residents 65+
- 8.7
Carriers by number of plans
- Humana — 14 plans
- UnitedHealthcare — 10 plans
- Aetna Medicare — 8 plans
- Wellcare — 7 plans
- Blue Cross and Blue Shield of IL, NM, OK, TX — 6 plans
- Essence Healthcare — 5 plans
- Devoted Health — 4 plans
- HealthSpring — 3 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| Essence Advantage (HMO) (H2610-005-0) | Essence Healthcare | MA-PD | HMO | $0 | $0 | $3,400 | 4.5 |
|---|
| Essence Advantage Select (HMO) (H2610-016-0) | Essence Healthcare | MA-PD | HMO | $0 | $340 | $3,900 | 4.5 |
|---|
| Humana Value Choice H7617-023 (PPO) (H7617-023-0) | Humana | MA-PD | PPO | $0 | $615 | $3,500 | 4.5 |
|---|
| HumanaChoice Giveback H7617-013 (PPO) (H7617-013-0) | Humana | MA-PD | PPO | $0 | $615 | $4,500 | 4.5 |
|---|
| UHC Complete Care Support ST-1A (PPO C-SNP) (H2001-037-0) | UnitedHealthcare | SNP | PPO C-SNP | $15.20 | $450 | $9,250 | 4.5 |
|---|
| Essence Advantage Plus (HMO) (H2610-006-0) | Essence Healthcare | MA-PD | HMO | $59 | $0 | $2,900 | 4.5 |
|---|
| Humana USAA Honor Giveback (PPO) (H7617-012-0) | Humana | MA | PPO | | | $4,700 | 4.5 |
|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) (H2802-073-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $600 | $6,700 | 4.0 |
|---|
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) (H2802-028-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $440 | $3,200 | 4.0 |
|---|
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) (H2802-052-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $520 | $3,900 | 4.0 |
|---|
Showing 10 of 60 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.