Insurance in Jo Daviess County · Northwest Illinois
Insurance Coverage for Jo Daviess County, IL
Jo Daviess County is home to roughly 21,918 residents across Galena, Elizabeth, Stockton, and Warren. Hougom Insurance Agency is a full-service independent agency licensed in Illinois and Wisconsin — we write every line here: Medicare, ACA/individual health, life insurance and annuities, group benefits, and home, auto, farm, and business coverage, comparing multiple carriers so you're never stuck with one company's price.
By the numbers · Jo Daviess County
Quick facts for Jo Daviess County Medicare
Source: U.S. Census Bureau American Community Survey (2023, 5-Year Estimates) & CMS Medicare Advantage Landscape (PY2026).
Health profile · why coverage choice matters here
Chronic conditions among Jo Daviess County adults
The right Medicare plan depends on your health. Here's how common key conditions are locally (CDC PLACES, model-based prevalence among 21,756 adults) — a reason to check each plan's drug formulary and specialist network before you enroll.
Source: CDC PLACES Local Data for Better Health (2023).
Plans & stability
Medicare Advantage plans in Jo Daviess County (2026)
Representative MA-PD plans with drug coverage, by CMS star rating. "Stability" is each plan's published CMS Overall Star Rating — a federal quality measure, not our opinion. We never call a plan best or worst; we show the data and help you compare.
| Plan | Carrier | Premium | Drug deductible | CMS rating | Stability |
|---|---|---|---|---|---|
| HumanaChoice Giveback H7617-013 (PPO) | Humana | $0 | $615 | 4.5★ | Strong (4★+) |
| AARP Medicare Advantage from UHC IA-0002 (HMO-POS) | UnitedHealthcare | $45 | $520 | 4★ | Strong (4★+) |
| Aetna Medicare Advantra Extra (PPO) | Aetna Medicare | $0 | $615 | 3.5★ | Average (3.5★) |
| Aetna Medicare Signature Extra (PPO) | Aetna Medicare | $0 | $615 | 3.5★ | Average (3.5★) |
| HumanaChoice Giveback H5216-403 (PPO) | Humana | $0 | $615 | 3.5★ | Average (3.5★) |
| HumanaChoice H5216-399 (PPO) | Humana | $18 | $615 | 3.5★ | Average (3.5★) |
| Aetna Medicare Advantra (PPO) | Aetna Medicare | $36 | $615 | 3.5★ | Average (3.5★) |
| Humana Gold Choice H8145-006 (PFFS) | Humana | $37 | $615 | 3.5★ | Average (3.5★) |
| AARP Medicare Advantage from UHC IL-6 (PPO) | UnitedHealthcare | $45 | $600 | 3.5★ | Average (3.5★) |
| Aetna Medicare Signature (HMO-POS) | Aetna Medicare | $0 | $615 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Value (HMO) | Blue Cross and Blue Shield of Illinois | $0 | $450 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Essential (PPO) | Blue Cross and Blue Shield of Illinois | $0 | $450 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Health Choice (PPO) | Blue Cross and Blue Shield of Illinois | $0 | $615 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Dental Premier (PPO) | Blue Cross and Blue Shield of Illinois | $0 | $615 | 3★ | Below average (<3.5★) |
| HumanaChoice R5361-002 (Regional PPO) | Humana | $103 | $615 | 3★ | Below average (<3.5★) |
| Aetna Medicare Signature Extra (HMO-POS) | Aetna Medicare | $0 | $615 | — | Not yet rated |
Source: CMS Medicare Advantage Landscape (PY2026). Premiums shown are consolidated monthly premiums; full plans vary — compare with the tool below.
Who covers you
Carriers in the Jo Daviess metro
- Humana — 5 plans · HMO, PPO, and Regional PPO options, including a 4.5★ Giveback plan
- Aetna Medicare — 5 plans · CVS Health-owned; HMO-POS and PPO plans
- Blue Cross and Blue Shield of Illinois — 4 plans · HCSC-owned; HMO and PPO plans
- UnitedHealthcare — 2 plans · AARP-branded HMO-POS and PPO plans
Where you get care
Hospitals & providers nearby
- Midwest Medical Center — Galena, IL · CMS rating not yet published
Plus roughly 7 family-medicine providers and 3 pharmacies in the Galena area — check that yours are in-network before you enroll.
Sources: CMS Hospital Compare · NPPES NPI Registry.
This is educational information, not medical, legal, or insurance advice, and not a recommendation of any specific plan. Hougom Insurance Agency is a licensed independent insurance agency (NPN 20742808) and a Third-Party Marketing Organization (TPMO) under CMS guidelines — we are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for a complete list of options.
Everything we cover · Jo Daviess County
One agency, every line, right here in Jo Daviess County
Beyond Medicare, we write every other line of insurance for Jo Daviess County households and businesses. Each line below links to the full coverage details.
ACA & individual health
Marketplace plans, subsidy eligibility, and short-term coverage for households and the self-employed not on an employer plan.
Life, annuities & group benefits
Term and whole life, retirement-income annuities, and employer-sponsored group health, life, dental, and vision for local businesses.
Home, auto & farm
Homeowners, auto, and farm insurance for Jo Daviess County's farms, rural households, and Galena's tourism businesses — often bundled for savings.
Business & bonds
General liability, business owner's policies, and contractor license bonds for Jo Daviess County businesses.
Jo Daviess County insurance questions, answered
Does Hougom Insurance Agency serve Jo Daviess County, IL?
Yes. Hougom Insurance Agency is licensed in Illinois and Wisconsin and serves Jo Daviess County — including Galena, Elizabeth, Stockton, and Warren — for every line we write: Medicare, ACA/individual health, life insurance, annuities, group benefits, and home/auto/farm/business coverage.
How many Medicare Advantage plans are available in Jo Daviess County for 2026?
For 2026, 16 Medicare Advantage and MA-PD plans are available in Jo Daviess County across 4 carriers, including 10 $0-premium options. The highest CMS star rating offered locally is 4.5★.
Which hospital serves Jo Daviess County?
Midwest Medical Center in Galena is the county's Critical Access Hospital and anchors most local care. Some residents also travel to facilities in Dubuque, Iowa or Freeport, Illinois for specialty care. Network participation still varies by specific Medicare Advantage plan — we confirm your doctors and preferred hospital are covered before you enroll.
Do you write farm and agricultural insurance in Jo Daviess County?
Yes. Jo Daviess County's rolling farmland and the Galena tourism economy both need coverage a generic homeowners policy doesn't provide. We write farm insurance alongside homeowners, auto, and business coverage — including for bed-and-breakfasts, vacation rentals, and other tourism-driven businesses common in the Galena area.
What's the uninsured rate in Jo Daviess County?
An estimated 5.2% of Jo Daviess County's civilian population — about 1,128 residents — was uninsured per the U.S. Census Bureau's 2023 American Community Survey. We help close that gap by comparing ACA marketplace plans, including subsidy-eligible options, for Jo Daviess County households.
Are Wisconsin and Illinois Medigap rules the same?
No. Wisconsin uses its own state-standardized Medigap system (a required Basic Plan plus optional riders), while Illinois uses the national A–N letter plan system (Plan G, Plan N, and others) available in most states. If you have family or property on both sides of the border, we're licensed in both states and can explain how each state's rules apply to you.
Talk to a local advisor about Jo Daviess County coverage
Free, no pressure — licensed in Illinois and Wisconsin.
Book a free consultation → (608) 799-8434
Also serving: Stephenson County, IL · Winnebago County, IL · Boone County, IL · McHenry County, IL · Lake County, IL