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Medicare plans in Stephenson County, IL — 2027
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 2027, Stephenson County, Illinois has 43 Medicare plans (19 Medicare Advantage with drug coverage, 5 without, 10 standalone Part D, 9 Special Needs) from 8 carriers. 27 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $3,500.
What changed vs 2026
- 8 fewer plans than 2026
- Carriers entered: Devoted Health
- Carriers exited: Blue Cross and Blue Shield of Illinois, Clear Spring Health
- $0-premium plans down 2
- Average star rating up 0.5
Market snapshot
- Residents 65 and older
- 10,671
- Residents 60–64, aging in over the next five years
- 3,399
- Medicare eligibles
- 12,164
- Medicare Advantage penetration
- 62.0%
- Plans per 1,000 residents 65+
- 4
Carriers by number of plans
- Humana — 15 plans
- Aetna Medicare — 6 plans
- Devoted Health — 6 plans
- UnitedHealthcare — 6 plans
- Wellcare — 6 plans
- HealthSpring — 2 plans
- Aetna Medicare FIDE — 1 plan
- Molina Healthcare of Illinois — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H4461-082-0) | Humana | SNP | HMO C-SNP | $0 | $500 | $3,900 | 4.5 |
| Humana USAA Honor Giveback (PPO) (H7617-022-0) | Humana | MA | PPO | $0 | $6,000 | 4.5 | |
| Humana Value Choice (PPO) (H7617-018-0) | Humana | MA-PD | PPO | $0 | $700 | $4,300 | 4.5 |
| UHC Complete Care Support IL-1A (PPO C-SNP) (H2001-038-0) | UnitedHealthcare | SNP | PPO C-SNP | $0 | $610 | $9,850 | 4.5 |
| Humana Basic Rx Plan (PDP) (S5884-107-0) | Humana | PDP | PDP | $6.30 | $700 | 4.5 | |
| Humana Value Rx Plan (PDP) (S5884-196-0) | Humana | PDP | PDP | $22.30 | $687 | 4.5 | |
| Humana Premier Rx Plan (PDP) (S5884-163-0) | Humana | PDP | PDP | $130.20 | $350 | 4.5 | |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO) (H8768-019-0) | UnitedHealthcare | MA | PPO | $0 | $7,150 | 4.0 | |
| Aetna Medicare Advantra Signature Extra (PPO) (H7301-006-0) | Aetna Medicare | MA-PD | PPO | $0 | $700 | $5,200 | 4.0 |
| Aetna Medicare Eagle (PPO) (H5521-286-0) | Aetna Medicare | MA | PPO | $0 | $5,200 | 4.0 |
Showing 10 of 43 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2027; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS October 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.