Medicare Advantage Plans in Cook County, IL:
Your Complete 2026 Guide
For 2026, residents of Cook County, IL can choose from 58 Medicare Advantage plan options. Of these, 46 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 230,484, with 29% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Cook County, IL.
Last update: . Enrollment data last updated: December 15, 2025
* CMS rates Medicare Advantage plans annually using a 5-star system. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 27
- Average Premium
- $31.79/mo
- Beneficiaries Enrolled
- 102,117
- $0 Premium PPOs
- 18
- Average MOOP
- $5,124
- Most Popular PPO
- HumanaChoice H5216-251 (PPO) with 20,258 enrollees
- PPOs Without Drug Coverage
- 6
- What is the average monthly premium for PPO plans in Cook?
- On average, PPO plans in Cook cost $31.79 per month.
- Which PPO plan has the highest enrollment in Cook?
- The most popular PPO in Cook is HumanaChoice H5216-251 (PPO), covering 20,258 beneficiaries.
- How many PPO plans in Cook do not include prescription drug coverage?
- 6 PPO plans available in Cook do not include Part D benefits.
Medicare Advantage HMO Plans
HMO plans are designed around a set network of doctors and hospitals. Staying within that network is usually required for coverage, but this arrangement often results in lower overall costs, including both premiums and out-of-pocket expenses, for plan members.
What is the total number of HMO plans offered in Cook?
There are 19 HMO plans in 2026, covering 93,538 beneficiaries.
How much do HMO plans cost on average in Cook?
The average HMO premium is $0.00, with 19 costing $0.
What is the top HMO by enrollment in Cook?
Humana Gold Plus H1468-013 (HMO) is the most popular HMO plan in Cook, with 62,279 enrollees.
What is the number of HMO plans without Part D coverage in Cook?
1 HMO plans in Cook do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 11
- Average Premium
- $10.91/mo
- Beneficiaries Enrolled
- 34,761
- $0 Premium HMO-POS
- 9
- Average MOOP
- $4,214
- Most Popular HMO-POS
- Wellcare Simple (HMO-POS) with 13,307 enrollees
- HMO-POS Without Drug Coverage
- 0
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC IL-8 | $0 | $2,900 | $440 | H2802-024-0 | |
| AARP Medicare Advantage Extras from UHC IL-9 | $0 | $3,900 | $600 | H2802-075-0 | |
| AARP Medicare Advantage from UHC IL-0001 | $37 | $2,900 | $440 | H2802-025-0 | |
| AARP Medicare Advantage from UHC IL-2 | $0 | $3,900 | $520 | H2802-054-0 | |
| HealthSpring Premier | $0 | $2,900 | $200 | H4513-084-0 | |
| Aetna Medicare Prime | $0 | $5,900 | $615 | H3192-001-0 | |
| Blue Cross Medicare Advantage Basic Plus | $0 | $6,750 | $450 | H3822-007-0 | |
| Blue Cross Medicare Advantage Premier Plus | $83 | $3,500 | $450 | H3822-008-0 | |
| Wellcare Simple | $0 | $3,900 | $615 | H1416-009-0 | |
| Wellcare Simple Value | $0 | $3,900 | $615 | H1416-082-0 | |
| Aetna Medicare Signature | $0 | $5,900 | $615 | H1206-003-0 |
What is the average monthly premium for HMO-POS plans?
On average, HMO-POS plans in Cook cost $10.91 per month.
Which HMO-POS plan is most popular in Cook?
The leading HMO-POS in Cook is Wellcare Simple (HMO-POS), with 13,307 members.
How many HMO-POS plans in Cook do not include drug coverage?
There are 0 HMO-POS plans in Cook without Part D benefits.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans let members visit any Medicare-approved provider that accepts the plan’s payment rules and terms. This structure gives you more flexibility in selecting doctors and hospitals, but it’s important to check provider acceptance before receiving care.
- Total PFFS Plans 1
- Average Premium $37.00/mo
- Beneficiaries Enrolled 68
- $0 Premium PFFS 0
- Average MOOP $6,800
- Most Popular PFFS Humana Gold Choice H8145-006 (PFFS) with 68 enrollees
- PFFS Without Drug Coverage 0
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145-006-0 |
What is the top PFFS plan in Cook?
Humana Gold Choice H8145-006 (PFFS) is the most popular PFFS plan in Cook, with 68 enrollees.
What is the number of PFFS plans without Part D coverage in Cook?
0 PFFS plans in Cook do not include prescription drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Cook County, IL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 16 | 29% |
| 3 Stars | 37 | 67% |
| Below 3 Stars | 2 | 4% |
| Not Rated | 3 | 5% |
| Average Rating | 3.48 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Outside the standard enrollment dates, you may qualify for a Special Enrollment Period if specific circumstances apply, including relocation or coverage loss. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Monday–Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Arlington Heights, Elk Grove Village, Rolling Meadows, Des Plaines, Glencoe, Glenview, Kenilworth, Morton Grove, Mount Prospect, Northbrook, Palatine, Park Ridge, Prospect Heights, Skokie, Wheeling, Wilmette, Winnetka, Bellwood, Streamwood, Forest Park, Franklin Park, Hanover Park, Maywood, Westchester, Broadview, Melrose Park, Hillside, Berkeley, Stone Park, Hoffman Estates, River Grove, Schaumburg, Schiller Park, Evanston, Oak Park, River Forest, Berwyn, Blue Island, Calumet City, Chicago Heights, Chicago Ridge, Dolton, Flossmoor, Glenwood, Harvey, Markham, Hazel Crest, Homewood, Lansing, Lemont, Matteson, Midlothian, Oak Forest, Oak Lawn, Bridgeview, Hometown, Hickory Hills, Justice, Burbank, Olympia Fields, Orland Park, Palos Heights, Palos Park, Palos Hills, Park Forest, Posen, Richton Park, Robbins, South Holland, Steger, Thornton, Tinley Park, Country Club Hills, Willow Springs, Worth, Summit Argo, Brookfield, La Grange, La Grange Park, Lyons, Riverside, Western Springs, Chicago, Harwood Heights, Elmwood Park, Lincolnwood, Niles, Alsip, Cicero, Evergreen Park, Riverdale, and all other areas of Cook County, Illinois.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed December 15, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected 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 Bynon, Medicare Analyst, in accordance with Medicare.org’s editorial standards for accurate, non-commercial Medicare plan resolution.