Illinois Medicare Plans Ending in 2027

Check your 2026 plan ID

Two confirmed endings and the exact affected counties

CMS’s 2026-to-2027 plan crosswalk identifies these two plans as terminated or nonrenewed. The counties below are each plan’s 2026 Illinois service area, verified in carrier documents. This is a focused guide, not a complete list of Illinois plan changes. It concerns members enrolled in these exact plans, not everyone living in those counties.

County sources: Molina’s 2026 Summary of Benefits and Aetna’s 2026 Evidence of Coverage, page 5. Molina separately confirms Choice Care ends after December 31, 2026; its Illinois enrollment page lists Complete Care Plus D-SNP coverage for 2027. Choice Care’s ending does not establish that all Molina Medicare coverage is leaving Illinois.

A different kind of change

Humana H5216-258 has a listed successor

Illinois SHIP’s nonrenewing-plan list includes Humana USAA Honor Giveback (PPO), H5216-258. However, the more specific CMS crosswalk classifies its transition to H5216-355 for 2027 as a consolidated renewal. I therefore do not count it among the two confirmed endings above.

Exact 2026 Illinois counties for H5216-258—53: Adams, Boone, Brown, Bureau, Carroll, Cass, Christian, Clark, Cook, DeKalb, DuPage, Edgar, Fulton, Grundy, Hancock, Henderson, Henry, Jasper, Jo Daviess, Kane, Kankakee, Kendall, Knox, La Salle, Lake, Lee, Livingston, Macon, Marshall, McDonough, McLean, Menard, Mercer, Morgan, Moultrie, Ogle, Peoria, Pike, Putnam, Richland, Rock Island, Sangamon, Schuyler, Scott, Stark, Stephenson, Tazewell, Vermilion, Warren, Whiteside, Will, Winnebago, Woodford.

The county list comes from Humana’s 2026 Summary of Benefits, page 2. Its 2027 successor document includes these Illinois counties. Read your Annual Notice of Change for the membership transition, costs and benefits. An old plan number disappearing does not by itself establish loss of coverage or special enrollment rights.

Your personal coverage

Match the letter to your insurance card

Check the full plan name, contract and plan numbers, coverage year, permanent county, and effective date on your notice. Ask the insurer whether the letter describes a plan ending, a service-area reduction, or enrollment continuing in a replacement plan. A doctor leaving a network is another distinct event.

Keep the notice and envelope. If the notice describes a different transition from this guide, ask the plan and Medicare to resolve the difference before choosing coverage. Bring every page to your review.

Fall 2026 and early 2027

Use the deadline that matches your situation

Fall Open Enrollment runs October 15–December 7, 2026. Requests received by December 7 take effect January 1, 2027.

For members whose plan actually nonrenews effective January 1, CMS provides an additional enrollment period from December 8, 2026 through February 28, 2027:

• Request received December 8–31: new coverage starts January 1.
• Request received in January: new coverage starts February 1.
• Request received in February: new coverage starts March 1.

The extra time does not extend the old plan’s coverage. If your Medicare Advantage plan ends and you do not join another before it ends, Medicare says you return to Original Medicare. Confirm prescription coverage separately.

Build the replacement

Review medical care and prescriptions together

Compare another Medicare Advantage plan against Original Medicare with separate Part D coverage and, if appropriate and available, Medigap. Use your permanent address and the 2027 coverage year in Medicare Plan Finder.

For each candidate, check the exact doctors, hospitals and pharmacies you use. Enter every medication’s strength, dose and frequency. Compare total expected spending, including premiums, deductibles and service costs. Keep a separate note of scheduled procedures, ongoing treatment and authorizations that need coordination.

My provider verification guide and Part D comparison guide help organize that work.

A separate protection

Check guaranteed-issue rights before choosing Medigap

When a Medicare Advantage plan leaves Medicare or stops serving your area, returning to Original Medicare can create a guaranteed-issue right to certain Medigap policies. This protection is tied to the qualifying event and application timing. It does not mean every policy is available to every applicant.

Keep the termination letter as evidence. Medicare’s guide directs members to the application date in their termination notice and a deadline no later than 63 days after MA coverage ends. Confirm the eligible policies, applicable Illinois rights and start date with the insurer or SHIP; coordinate Part D separately.

Annual fall Open Enrollment is not a new Medigap Open Enrollment Period. Nor should a consolidated renewal alone be treated as proof of a guaranteed-issue right. See my Medigap rights guide.

Prepare for your review

Bring the details that determine your options

• Your current member card, termination or renewal notice, and permanent ZIP code and county.
• A list of doctors and facilities, including office addresses and upcoming appointments.
• Medication names, strengths, dosing schedules and preferred pharmacies.
• Your monthly budget, expected care needs, and any employer, union, Medicaid or other coverage.

After enrolling, save the confirmation and verify the effective date. Share the new coverage with your providers before January appointments. Ask how ongoing treatment and prescriptions will be handled during the transition.

Questions before you decide

Frequently Asked Questions