Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
$0 Premium Medicare Advantage Plans in Illinois
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Illinois for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
68$0-premium plans, of 93 with drug coverage
$2,150lowest in-network out-of-pocket max among them
17also pay part of your Part B premium
Showing all 68 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO7 of 102 counties · drug deductible $700Dental up to $5,000/yr · eyewear $275/yr | $0 | $2,150 | $2,150 | 4★ |
| 2 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 102 counties · drug deductible $300Part B giveback $135/mo · Dental up to $5,000/yr · eyewear $100/yr · OTC items $160/yr | $0−$135 Part B giveback | $4,000 | $2,380 | 3.5★ |
| 3 | DEVOTED CORE 001 IL (HMO)Devoted Health · HMO8 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $400/yr · OTC items $160/yr | $0 | $2,700 | $2,700 | 4★ |
| 4 | Humana Total Complete (HMO)Humana · HMO6 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 5 | Humana Total Complete (HMO)Humana · HMO6 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 6 | AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS)UnitedHealthcare · HMO-POS6 of 102 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $2,900 | $2,900 | 3.5★ |
| 7 | Essence Advantage Select (HMO)Essence Healthcare · HMO5 of 102 counties · drug deductible $300Dental up to $2,500/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $80/yr | $0 | $2,900 | $2,900 | 4★ |
| 8 | Wellcare Simple Exclusive (HMO)Wellcare · HMO3 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $500/yr · hearing aids $1,500/yr per ear | $0 | $3,200 | $3,200 | 3.5★ |
| 9 | Wellcare Simple Exclusive Value (HMO-POS)Wellcare · HMO-POS3 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $500/yr · hearing aids $1,500/yr per ear | $0 | $3,200 | $3,200 | 3★ |
| 10 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 102 counties · drug deductible $500Dental up to $5,000/yr · eyewear $300/yr · OTC items $400/yr | $0 | $3,300 | $3,300 | 3.5★ |
| 11 | Essence Advantage (HMO)Essence Healthcare · HMO10 of 102 counties · drug deductible $0Dental up to $250/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $120/yr | $0 | $3,400 | $3,400 | 4★ |
| 12 | Humana Essentials Plus Giveback (HMO)Humana · HMO6 of 102 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 13 | Humana Essentials Plus Giveback (HMO)Humana · HMO6 of 102 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 14 | Humana Gold Plus H1468-007 (HMO)Humana · HMO14 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $3,500 | $3,500 | 4★ |
| 15 | Humana Essentials Plus Giveback (HMO)Humana · HMO4 of 102 counties · drug deductible $700Part B giveback $50/mo · Dental up to $3,500/yr · eyewear $300/yr | $0−$50 Part B giveback | $4,250 | $3,650 | 4★ |
| 16 | AARP Medicare Advantage from UHC ST-1P (HMO-POS)UnitedHealthcare · HMO-POS2 of 102 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,100 | $4,100 | 3.5★ |
| 17 | DEVOTED CHOICE 003 IL (PPO)Devoted Health · PPO9 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $200/yr · OTC items $248/yr | $0 | $4,150 | $4,150 | Not rated |
| 18 | Humana Value Choice (PPO)Humana · PPO13 of 102 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $0 | $4,300 | $4,300 | 4.5★ |
| 19 | HumanaChoice Giveback H5216-403 (PPO)Humana · PPO87 of 102 counties · drug deductible $700Part B giveback $51/mo · Dental up to $2,500/yr · eyewear $100/yr | $0−$51 Part B giveback | $5,000 | $4,388 | 4★ |
| 20 | HumanaChoice Giveback H7617-013 (PPO)Humana · PPO85 of 102 counties · drug deductible $700Part B giveback $51/mo · Dental up to $2,500/yr · eyewear $100/yr | $0−$51 Part B giveback | $5,000 | $4,388 | 4.5★ |
| 21 | Humana Value Choice (PPO)Humana · PPO7 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 22 | AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare · HMO-POS19 of 102 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 23 | AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS)UnitedHealthcare · HMO-POS6 of 102 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 24 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS6 of 102 counties · drug deductible $700Dental up to $500/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $4,450 | $4,450 | 3.5★ |
| 25 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO7 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 26 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $4,450 | $4,450 | 3.5★ |
| 27 | DEVOTED CHOICE 005 IL (PPO)Devoted Health · PPO12 of 102 counties · drug deductible $650Dental up to $3,250/yr · eyewear $200/yr · OTC items $268/yr | $0 | $4,450 | $4,450 | Not rated |
| 28 | Essence Advantage Choice (PPO)Essence Healthcare · PPO3 of 102 counties · drug deductible $700Dental up to $650/yr · eyewear $175/yr · hearing aids $500/yr | $0 | $4,450 | $4,450 | 4★ |
| 29 | Essence Advantage Select (HMO)Essence Healthcare · HMO10 of 102 counties · drug deductible $450Dental up to $2,900/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 30 | HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS5 of 102 counties · drug deductible $500Dental up to $5,000/yr · eyewear $100/yr · OTC items $280/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 31 | HealthSpring True Choice (PPO)HealthSpring · PPO5 of 102 counties · drug deductible $700Dental up to $600/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 3★ |
| 32 | Humana Value Choice (PPO)Humana · PPO7 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $0 | $4,450 | $4,450 | 4★ |
| 33 | Humana Value Choice (PPO)Humana · PPO13 of 102 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $0 | $4,450 | $4,450 | 4★ |
| 34 | HealthSpring True Choice Savings (PPO)HealthSpring · PPO5 of 102 counties · drug deductible $700Part B giveback $34/mo · Dental up to $500/yr · eyewear $100/yr | $0−$34 Part B giveback | $5,000 | $4,592 | 3★ |
| 35 | DEVOTED CHOICE 001 IL (PPO)Devoted Health · PPO8 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $400/yr · OTC items $80/yr | $0 | $4,700 | $4,700 | 4.5★ |
| 36 | AARP Medicare Advantage from UHC IL-2 (HMO-POS)UnitedHealthcare · HMO-POS14 of 102 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 37 | Aetna Medicare Advantra Signature Extra (PPO)Aetna Medicare · PPO12 of 102 counties · drug deductible $700Part B giveback $25/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $500/yr per ear · OTC items $80/yr | $0−$25 Part B giveback | $5,200 | $4,900 | 4★ |
| 38 | HumanaChoice H5216-283 (PPO)Humana · PPO11 of 102 counties · drug deductible $250Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,900 | $4,900 | 4★ |
| 39 | Zing Select Care IL (HMO)Zing Health · HMO12 of 102 counties · drug deductible $450Dental up to $2,000/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $280/yr | $0 | $4,950 | $4,950 | 3.5★ |
| 40 | DEVOTED CHOICE 001 IL (PPO)Devoted Health · PPO25 of 102 counties · drug deductible $465Dental up to $3,500/yr · eyewear $400/yr · OTC items $400/yr | $0 | $5,000 | $5,000 | Not rated |
| 41 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS6 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $480/yr | $0 | $5,000 | $5,000 | 3★ |
| 42 | DEVOTED GIVEBACK EXTRAS 008 IL (HMO)Devoted Health · HMO8 of 102 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $504/yr | $0−$70 Part B giveback | $5,900 | $5,060 | 4★ |
| 43 | Zing Elite Select IL-IN (HMO)Zing Health · HMO5 of 102 counties · drug deductible $350Dental up to $2,000/yr · eyewear $300/yr · hearing aids $250/yr per ear · OTC items $752/yr | $0 | $5,100 | $5,100 | 3.5★ |
| 44 | Aetna Medicare Prime Extra Care (HMO)Aetna Medicare · HMO6 of 102 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $750/yr per ear · OTC items $120/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 45 | DEVOTED CHOICE 010 IL (PPO)Devoted Health · PPO8 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $400/yr | $0 | $5,400 | $5,400 | 4.5★ |
| 46 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO6 of 102 counties · drug deductible $700Dental up to $2,250/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 47 | Wellcare Simple Essential (HMO)Wellcare · HMO101 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 3.5★ |
| 48 | Wellcare Simple Value (HMO-POS)Wellcare · HMO-POS90 of 102 counties · drug deductible $700Dental up to $1,500/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $5,500 | $5,500 | 3★ |
| 49 | DEVOTED CHOICE GIVEBACK EXTRAS 019 IL (PPO)Devoted Health · PPO9 of 102 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,250/yr · eyewear $250/yr · OTC items $708/yr | $0−$80 Part B giveback | $6,850 | $5,890 | Not rated |
| 50 | Aetna Medicare Prime (HMO-POS)Aetna Medicare · HMO-POS6 of 102 counties · drug deductible $400Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 51 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS6 of 102 counties · drug deductible $400Dental up to $2,250/yr · eyewear $175/yr · hearing aids $750/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 52 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO37 of 102 counties · drug deductible $700Dental up to $500/yr · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 53 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS12 of 102 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 54 | DEVOTED CHOICE GIVEBACK EXTRAS 020 IL (PPO)Devoted Health · PPO12 of 102 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,500/yr · eyewear $250/yr · OTC items $400/yr | $0−$80 Part B giveback | $7,000 | $6,040 | Not rated |
| 55 | DEVOTED CHOICE GIVEBACK EXTRAS 018 IL (PPO)Devoted Health · PPO25 of 102 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $320/yr | $0−$80 Part B giveback | $7,300 | $6,340 | Not rated |
| 56 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS12 of 102 counties · drug deductible $400Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $6,350 | $6,350 | 3.5★ |
| 57 | Humana Full Access (PPO)Humana · PPO6 of 102 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,350 | $6,350 | 4★ |
| 58 | Humana Full Access (PPO)Humana · PPO6 of 102 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,600 | $6,600 | 4.5★ |
| 59 | AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare · HMO-POS19 of 102 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 60 | AARP Medicare Advantage from UHC IL-5 (PPO)UnitedHealthcare · PPO14 of 102 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 61 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 102 counties · drug deductible $700Dental up to $2,250/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 62 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 102 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 63 | Blue Cross Medicare Advantage Select (HMO-POS)Blue Cross and Blue Shield of IL, NM · HMO-POS2 of 102 counties · drug deductible $600Dental up to $750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 64 | Wellcare Giveback (HMO)Wellcare · HMO101 of 102 counties · drug deductible $700Part B giveback $37/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$37 Part B giveback | $7,800 | $7,356 | 3.5★ |
| 65 | DEVOTED CHOICE GIVEBACK 002 IL (PPO)Devoted Health · PPO25 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $432/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Not rated |
| 66 | DEVOTED CHOICE GIVEBACK 004 IL (PPO)Devoted Health · PPO9 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $376/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Not rated |
| 67 | DEVOTED CHOICE GIVEBACK 006 IL (PPO)Devoted Health · PPO12 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $400/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Not rated |
| 68 | DEVOTED GIVEBACK 003 IL (HMO)Devoted Health · HMO8 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $100/yr · OTC items $304/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Illinois Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Illinois for 2027?
68 of the 93 general-audience Medicare Advantage plans with drug coverage in Illinois have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Illinois's $0 plans, the lowest in-network maximum is $2,150 and the median is $4,925.
Which $0 premium plan in Illinois has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana, with an in-network out-of-pocket maximum of $2,150. It is sold in 7 of 102 counties.
Do any $0 premium plans in Illinois also have a Part B giveback?
Yes, 17 of them. See the Illinois Part B giveback plans.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All Illinois Medicare Advantage plans, ranked →
- Part B giveback plans in Illinois →
- Where $0 plans are disappearing in 2027 →
Other states
Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin