Insurance in McHenry County · Northern Illinois
Insurance Coverage for McHenry County, IL
McHenry County is home to roughly 311,366 residents across Woodstock, Crystal Lake, McHenry, and Huntley. 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, and business coverage, comparing multiple carriers so you're never stuck with one company's price.
By the numbers · McHenry County
Quick facts for McHenry 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 McHenry County adults
The right Medicare plan depends on your health. Here's how common key conditions are locally (CDC PLACES, model-based prevalence among 312,800 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 McHenry 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 |
|---|---|---|---|---|---|
| Humana Full Access H7617-009 (PPO) | Humana | $0 | $400 | 4.5★ | Strong (4★+) |
| HumanaChoice H7617-018 (PPO) | Humana | $0 | $615 | 4.5★ | Strong (4★+) |
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS) | UnitedHealthcare | $0 | $440 | 4★ | Strong (4★+) |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS) | UnitedHealthcare | $0 | $520 | 4★ | Strong (4★+) |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) | UnitedHealthcare | $0 | $600 | 4★ | Strong (4★+) |
| HealthSpring Preferred (HMO) | HealthSpring | $0 | $200 | 4★ | Strong (4★+) |
| HealthSpring Preferred Savings (HMO) | HealthSpring | $0 | $200 | 4★ | Strong (4★+) |
| DEVOTED CORE 001 IL (HMO) | Devoted Health | $0 | $395 | 4★ | Strong (4★+) |
| DEVOTED GIVEBACK 003 IL (HMO) | Devoted Health | $0 | $605 | 4★ | Strong (4★+) |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS) | UnitedHealthcare | $37 | $440 | 4★ | Strong (4★+) |
| Humana Gold Plus H1468-013 (HMO) | Humana | $0 | $615 | 3.5★ | Average (3.5★) |
| Blue Cross Medicare Advantage Secure (HMO) | Blue Cross and Blue Shield of Illinois | $0 | $450 | 3.5★ | Average (3.5★) |
| AARP Medicare Advantage from UHC IL-5 (PPO) | UnitedHealthcare | $0 | $600 | 3.5★ | Average (3.5★) |
| HumanaChoice H5216-251 (PPO) | Humana | $0 | $615 | 3.5★ | Average (3.5★) |
| Humana Full Access H5216-412 (PPO) | Humana | $0 | $400 | 3.5★ | Average (3.5★) |
| DEVOTED CHOICE 001 IL (PPO) | Devoted Health | $0 | $395 | 3.5★ | Average (3.5★) |
| DEVOTED CHOICE 010 IL (PPO) | Devoted Health | $0 | $355 | 3.5★ | Average (3.5★) |
| Aetna Medicare Signature (PPO) | Aetna Medicare | $0 | $615 | 3.5★ | Average (3.5★) |
| Humana Gold Choice H8145-006 (PFFS) | Humana | $37 | $615 | 3.5★ | Average (3.5★) |
| Aetna Medicare Enhanced (PPO) | Aetna Medicare | $60 | $615 | 3.5★ | Average (3.5★) |
| AARP Medicare Advantage from UHC IL-0004 (PPO) | UnitedHealthcare | $68 | $600 | 3.5★ | Average (3.5★) |
| HumanaChoice H5216-013 (PPO) | Humana | $87 | $615 | 3.5★ | Average (3.5★) |
| HealthSpring True Choice (PPO) | HealthSpring | $0 | $200 | 3★ | Below average (<3.5★) |
| HealthSpring True Choice Savings (PPO) | HealthSpring | $0 | $200 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Classic (PPO) | Blue Cross and Blue Shield of Illinois | $0 | $615 | 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★) |
| Clear Spring Health BrightPath Advantage (HMO) | Clear Spring Health | $0 | $200 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Basic (HMO) | Blue Cross and Blue Shield of Illinois | $0 | $450 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Basic Plus (HMO-POS) | Blue Cross and Blue Shield of Illinois | $0 | $450 | 3★ | Below average (<3.5★) |
| Wellcare Simple Essential (HMO) | Wellcare | $0 | $615 | 3★ | Below average (<3.5★) |
| Wellcare Simple Essential Value (HMO) | Wellcare | $0 | $615 | 3★ | Below average (<3.5★) |
| Wellcare Giveback (HMO) | Wellcare | $0 | $615 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Premier Plus (HMO-POS) | Blue Cross and Blue Shield of Illinois | $83 | $450 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Choice Plus (PPO) | Blue Cross and Blue Shield of Illinois | $90 | $450 | 3★ | Below average (<3.5★) |
| HumanaChoice R5361-002 (Regional PPO) | Humana | $103 | $615 | 3★ | Below average (<3.5★) |
| Blue Cross Medicare Advantage Choice Premier (PPO) | Blue Cross and Blue Shield of Illinois | $155 | $300 | 3★ | Below average (<3.5★) |
| Zing Choice IL (HMO) | Zing Health | $0 | $0 | 2.5★ | Below average (<3.5★) |
| Clear Spring Health BrightPath Advantage (HMO) | Clear Spring Health | $0 | $200 | — | 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 McHenry metro
- Humana — 8 plans · HMO, PPO, Regional PPO, and PFFS options, including two 4.5★ plans
- Blue Cross and Blue Shield of Illinois — 9 plans · HCSC-owned; HMO and PPO plans
- UnitedHealthcare — 6 plans · AARP-branded HMO-POS and PPO plans
- HealthSpring — 4 plans · HCSC-owned brand; HMO and PPO plans with a $200 drug deductible
- Devoted Health — 4 plans · PPO/HMO plans, up to 4.0★
- Wellcare — 3 plans · Centene-owned; $0-premium HMO plans
- Aetna Medicare — 2 plans · CVS Health-owned; PPO plans
- Clear Spring Health — 2 plans · Group 1001-owned HMO
- Zing Health — 1 plan · $0-premium, $0-deductible HMO
Where you get care
Hospitals & providers nearby
- Northwestern Medicine McHenry — McHenry, IL · CMS 5★ hospital rating
- Mercyhealth Hospital & Physician Clinic – Crystal Lake — Crystal Lake, IL · CMS rating not yet published
Plus roughly 6 family-medicine providers and 4 pharmacies in the Woodstock 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 · McHenry County
One agency, every line, right here in McHenry County
Beyond Medicare, we write every other line of insurance for McHenry 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 McHenry County businesses.
Home & auto
Homeowners and auto insurance for McHenry County households, comparing multiple carriers so you get real options, not just one company's rates.
Business & bonds
General liability, business owner's policies, and contractor license bonds for McHenry County businesses.
McHenry County insurance questions, answered
Does Hougom Insurance Agency serve McHenry County, IL?
Yes. Hougom Insurance Agency is licensed in Illinois and Wisconsin and serves McHenry County — including Woodstock, Crystal Lake, McHenry, and Huntley — for every line we write: Medicare, ACA/individual health, life insurance, annuities, group benefits, and home/auto/business coverage.
How many Medicare Advantage plans are available in McHenry County for 2026?
For 2026, 39 Medicare Advantage and MA-PD plans are available in McHenry County across 9 carriers, including 30 $0-premium options. The highest CMS star rating offered locally is 4.5★.
Which hospitals serve McHenry County?
Northwestern Medicine McHenry, in McHenry, is the county's acute-care hospital — the older Woodstock hospital campus is now outpatient and clinic space only. Mercyhealth also operates a hospital and clinic in nearby Crystal Lake. Network participation varies by specific Medicare Advantage plan — we confirm your doctors and preferred hospital are covered before you enroll.
Can you help a McHenry County business with group health benefits?
Yes. We design and quote employer group health, life, dental, vision, and disability benefits for McHenry County businesses, comparing fully-insured and level-funded options across multiple carriers to fit your team and budget.
What's the uninsured rate in McHenry County?
An estimated 4.7% of McHenry County's civilian population — about 14,487 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 McHenry 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). McHenry County borders Wisconsin directly, so if you have family or property on both sides, we're licensed in both states and can explain how each state's rules apply to you.
Talk to a local advisor about McHenry County coverage
Free, no pressure — licensed in Illinois and Wisconsin.
Book a free consultation → (608) 799-8434
Also serving: Jo Daviess County, IL · Stephenson County, IL · Winnebago County, IL · Boone County, IL · Lake County, IL