Waukegan, Illinois: health insurance
Waukegan is in Lake County. Here is what Waukegan residents should know about coverage.
Coverage in Waukegan
Waukegan has about 87,642 residents (U.S. Census Bureau 2023 estimate).
Plans for Waukegan residents are determined by Lake County, home to about 708,760 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Lake County before you choose it.
- Turning 65 in Waukegan? Your Initial Enrollment Period runs seven months around your birthday. Illinois Senior Health Insurance Program (SHIP) offers free counseling at 800-252-8966.
- Buying your own plan? Shop through Get Covered Illinois.
- Medicaid questions? Illinois Department of Healthcare and Family Services (HFS) handles applications.
Illinois note: Illinois is one of the most recent states to move off the federal Marketplace -- Get Covered Illinois only replaced HealthCare.gov as of the November 2025 open enrollment period, so older search results or bookmarks pointing to HealthCare.gov for Illinois are now out of date.
Medicare plans leaving Lake County for 2027
Medicare plans are set by county, so this applies to residents of this city. 19 plans are listed in Lake County for 2026 but not for 2027, covering at least 2,687 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Humana Full Access H5216-412 (PPO) H5216-412 | Humana | 400 |
| HealthSpring Preferred Savings (HMO) H4513-086 | Cigna HealthSpring (HCSC) | 328 |
| Blue Cross Medicare Advantage Choice Plus (PPO) H8634-003 | Blue Cross (Health Care Service Corp) | 320 |
| Blue Cross Medicare Advantage Basic (HMO) H3822-001 | Blue Cross (Health Care Service Corp) | 253 |
| HealthSpring Preferred (HMO) H4513-085 | Cigna HealthSpring (HCSC) | 250 |
| Humana Full Access H7617-009 (PPO) H7617-009 | Humana | 227 |
See all 19 plans leaving Lake County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Waukegan
Illinois public institutions include University of Illinois Urbana-Champaign, University of Illinois Chicago, Illinois State University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Illinois colleges.
Do Waukegan and Lake County have the same plans?
Plans are offered by service area, and Waukegan falls under Lake County. A plan that serves Lake County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Waukegan residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major Illinois cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.