Plan year 2027 · UnitedHealthcare · St. Clair County, IL
UnitedHealthcare plans ending in St. Clair County for 2027
UnitedHealthcare is ending one plan here for 2027 but still offers 6 other plans in St. Clair County.
Step 1 · Check your plan
Is your UnitedHealthcare plan affected?
Tap your plan to see its 2027 status in St. Clair County, or type its name.
Is your plan one of these?
UnitedHealthcare has notified CMS that one plan in St. Clair County will no longer be offered starting January 1, 2027. Members will need to choose new coverage during the Annual Enrollment Period (October 15 – December 7, 2026). An estimated 440 UnitedHealthcare members in St. Clair County are affected.
Affected UnitedHealthcare plans
| Plan | What's changing | Effective | What members must do |
|---|---|---|---|
AARP Medicare Advantage from UHC ST-2 (PPO) H2406-069 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
What this means for you
If your plan is being terminated
The plan will not exist in 2027. If you do nothing, you return to Original Medicare on January 1 with no drug coverage. You get a Special Enrollment Period from December 8 through the end of February, and guaranteed-issue rights to buy a Medigap policy for 63 days after your coverage ends.
Can you stay with UnitedHealthcare in St. Clair County?
Yes. UnitedHealthcare offers 6 other Medicare Advantage plans in St. Clair County for 2027, so switching plans doesn't have to mean switching carriers. Check that your doctors and prescriptions carry over before you choose.
| 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 |
Showing the 3 lowest-premium of 6 UnitedHealthcare plans.
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 →
Other carriers changing plans in St. Clair County
Other Illinois counties UnitedHealthcare is leaving
Step 2 · Tell us where to send your options
Losing your UnitedHealthcare plan? Here are your options
Step 3 · Choose your path
You're all set.
Both options are free. Either way, your information stays with our office.