Plan year 2027 · Lake County, IL
Medicare Advantage plans leaving Lake County, Illinois in 2027
3 carriers are pulling plans from Lake County for 2027: Blue Cross and Blue Shield of Illinois, HealthSpring and Humana.
Step 1 · Check your plan
Is your plan leaving Lake County?
Tap your plan to see its 2027 status in Lake County, or type its name.
Is your plan one of these?
Showing the 8 largest of 13 changing plans. Don't see yours? Type it below.
3 carriers are changing coverage in Lake County for 2027: 7 plan terminations and 6 service area reductions. Roughly 2,436 members in Lake County are affected. 57 Medicare Advantage plans were offered here in 2026; 45 are offered for 2027. If you're enrolled in one of the plans below, you'll need to pick a new plan for January 1, 2027.
Carriers with changes in Lake County
- Blue Cross and Blue Shield of Illinois5 terminations1 service area reduction924 membersBlue Cross Medicare Advantage Basic (HMO) · Blue Cross Medicare Advantage Basic Plus (HMO-POS) · Blue Cross Medicare Advantage Premier Plus (HMO-POS) …
- HealthSpring5 service area reductions885 membersHealthSpring Premier (HMO-POS) · HealthSpring Preferred (HMO) · HealthSpring Preferred Savings (HMO) …
- Humana2 terminations627 membersHumana Full Access H5216-412 (PPO) · Humana Full Access H7617-009 (PPO)
Every affected plan in Lake County
Sorted by carrier. Effective dates are for the 2027 plan year.
| Carrier | Plan | What's changing | Effective | What members must do |
|---|---|---|---|---|
| Blue Cross and Blue Shield of IL, NM | Blue Cross Medicare Advantage Basic (HMO) H3822-001 · HMO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| Blue Cross and Blue Shield of IL, NM | Blue Cross Medicare Advantage Basic Plus (HMO-POS) H3822-007 · HMO-POS | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Blue Cross and Blue Shield of IL, NM | Blue Cross Medicare Advantage Premier Plus (HMO-POS) H3822-008 · HMO-POS | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Blue Cross and Blue Shield of IL, NM, OK, TX | Blue Cross Medicare Advantage Choice Plus (PPO) H8634-003 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Blue Cross and Blue Shield of IL, NM, OK, TX | Blue Cross Medicare Advantage Choice Premier (PPO) H8634-004 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Blue Cross and Blue Shield of Illinois | Blue Cross Medicare Advantage Secure (HMO) H8547-001 · HMO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| HealthSpring | HealthSpring Preferred (HMO) H4513-085 · HMO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| HealthSpring | HealthSpring Preferred Savings (HMO) H4513-086 · HMO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| HealthSpring | HealthSpring Premier (HMO-POS) H4513-084 · HMO-POS | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| HealthSpring | HealthSpring True Choice (PPO) H7849-002 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| HealthSpring | HealthSpring True Choice Savings (PPO) H7849-080 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| Humana | Humana Full Access H5216-412 (PPO) H5216-412 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Humana | Humana Full Access H7617-009 (PPO) H7617-009 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
Plans available in Lake County for 2027
Losing a plan does not mean losing options. 45 Medicare Advantage plans from 8 carriers are offered in Lake County, Illinois for 2027. 39 have a $0 monthly premium, and 4 are D-SNP plans for people with both Medicare and Medicaid.
| Plan | Type | Monthly premium |
|---|---|---|
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage from UHC IL-5 (PPO)UnitedHealthcare$0/moPPO | PPO | $0 |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO)UnitedHealthcare$0/moPPO | PPO | $0 |
Showing the 5 lowest-premium of 45 available plans. 2027 star ratings are published by CMS in early October 2026. Premiums shown are the consolidated Part C + D monthly premium.
Dates that matter
Your ANOC letter arrives
Carriers must mail the Annual Notice of Change — and non-renewal notices — before enrollment opens.
Annual Enrollment Period
Pick your 2027 plan. Coverage you choose starts January 1, 2027.
How it works →Special Enrollment Period
Members of terminated plans get extra time to choose a new Medicare Advantage or Part D plan.
How it works →Guaranteed-issue Medigap window
Losing your plan gives you the right to buy select Medigap policies with no health questions.
Medicare Advantage Open Enrollment
Already in a Medicare Advantage plan on January 1? You can make one change: switch plans or go back to Original Medicare.
How it works →
Step 2 · Tell us where to send your options
Your 2027 options in Lake County
Step 3 · Choose your path
You're all set.
Both options are free. Either way, your information stays with our office.
Where else these carriers are leaving in Illinois
Blue Cross and Blue Shield of Illinois
HealthSpring
ZIP codes in Lake County
These changes apply to Medicare Advantage members living in Lake County, including these ZIP codes:
60002, 60015, 60020, 60030, 60031, 60035, 60040, 60041, 60042, 60044, 60045, 60046, 60047, 60048, 60060, 60061, 60064, 60069, 60073, 60075, 60083, 60084, 60085, 60087, 60088, 60089, 60096, 60099