Plan year 2027 · St. Clair County, IL
Medicare Advantage plans leaving St. Clair County, Illinois in 2027
7 carriers are pulling plans from St. Clair County for 2027: Aetna, UnitedHealthcare, Blue Cross and Blue Shield of Illinois and 4 more.
Step 1 · Check your plan
Is your plan leaving St. Clair County?
Tap your plan to see its 2027 status in St. Clair County, or type its name.
Is your plan one of these?
Showing the 8 largest of 14 changing plans. Don't see yours? Type it below.
7 carriers are changing coverage in St. Clair County for 2027: 11 plan terminations and 3 service area reductions. Roughly 1,858 members in St. Clair County are affected. 56 Medicare Advantage plans were offered here in 2026; 48 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 St. Clair County
- Aetna3 service area reductions1,265 membersAetna Medicare Enhanced (PPO) · Aetna Medicare Elite (PPO) · Aetna Medicare Enhanced Extra (HMO-POS)
- UnitedHealthcare1 termination440 membersAARP Medicare Advantage from UHC ST-2 (PPO)
- Blue Cross and Blue Shield of Illinois5 terminations105 membersBlue Cross Medicare Advantage Value (HMO) · Blue Cross Medicare Advantage Dental Premier (PPO) · Blue Cross Medicare Advantage Protect (PPO) …
- HealthSpring1 termination48 membersHealthSpring True Choice Savings (PPO)
- Clear Spring Health2 terminationsClear Spring Health BrightPath Advantage (HMO) · Clear Spring Health Balance+ Diabetes & Heart (HMO C-SNP)
- Molina Healthcare of Illinois1 terminationMolina Medicare Choice Care (HMO)
- Wellcare1 terminationWellcare Patriot Giveback (HMO)
Every affected plan in St. Clair County
Sorted by carrier. Effective dates are for the 2027 plan year.
| Carrier | Plan | What's changing | Effective | What members must do |
|---|---|---|---|---|
| Aetna Medicare | Aetna Medicare Elite (PPO) H1608-050 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| Aetna Medicare | Aetna Medicare Enhanced (PPO) H1608-013 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| Aetna Medicare | Aetna Medicare Enhanced Extra (HMO-POS) H2663-006 · HMO-POS | 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 Value (HMO) H3822-014 · HMO | 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 Dental Premier (PPO) H8634-021 · 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 Essential (PPO) H8634-012 · 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 Health Choice (PPO) H8634-018 · 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 Protect (PPO) H8634-019 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Clear Spring Health | Clear Spring Health Balance+ Diabetes & Heart (HMO C-SNP) H5454-005 · HMO C-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Clear Spring Health | Clear Spring Health BrightPath Advantage (HMO) H5454-001 · HMO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| HealthSpring | HealthSpring True Choice Savings (PPO) H7849-077 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Molina Healthcare of Illinois | Molina Medicare Choice Care (HMO) H2715-003 · HMO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| UnitedHealthcare | AARP Medicare Advantage from UHC ST-2 (PPO) H2406-069 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Wellcare | Wellcare Patriot Giveback (HMO) H5779-011 · HMO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
Plans available in St. Clair County for 2027
Losing a plan does not mean losing options. 48 Medicare Advantage plans from 9 carriers are offered in St. Clair County, Illinois for 2027. 35 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 CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare$0/moHMO C-SNP | HMO C-SNP | $0 |
| Aetna Medicare FIDE (HMO D-SNP)Aetna Medicare FIDE$0/moHMO D-SNP | HMO D-SNP | $0 |
Showing the 5 lowest-premium of 48 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 St. Clair 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
Aetna
UnitedHealthcare
Blue Cross and Blue Shield of Illinois
ZIP codes in St. Clair County
These changes apply to Medicare Advantage members living in St. Clair County, including these ZIP codes:
62059, 62201, 62203, 62204, 62205, 62206, 62207, 62208, 62220, 62221, 62223, 62225, 62226, 62232, 62239, 62240, 62243, 62254, 62255, 62257, 62258, 62260, 62264, 62269, 62282, 62285, 62289