Medicare contract · plan years 2026 and 2027CMS landscape and crosswalk
QCC Insurance Company (H3909)
H3909Contract
A company of Independence Health Group, Inc., sold as Independence Blue Cross
4 plans in 2027 (5 in 2026) · 19,060 members in September 2026
QCC Insurance Company is the Independence Health Group, Inc. company that holds Medicare contract H3909, sold as Independence Blue Cross. In 2027 it offers 4 plans (5 in 2026); 1 of its 2026 plans is not offered in 2027. 19,060 people were in its plans in September 2026.
What plans does H3909 offer for 2027?
| Plan | Type | Monthly premium | Out-of-pocket limit | Area | For 2027 |
|---|---|---|---|---|---|
| Personal Choice 65 RxH3909-001 | PPO | $242.50 | $5,950 | 2 counties | renews |
| Personal Choice 65 Medical OnlyH3909-007 | PPO | $113 | $5,950 | 2 counties | renews |
| Personal Choice 65 RxH3909-009 | PPO | $207 | $5,950 | 3 counties | renews |
| Personal Choice 65 Achieve RxH3909-020 | PPO | $0 | $9,850 | 5 counties | renews |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026).
Which of its plans end?
| 2026 plan | Members, Sept. 2026 | Counties in 2026 |
|---|---|---|
| Personal Choice 65 Plus RxH3909-018 | 2,184 | 5 |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).
Which employer and union group plans does it hold?
H3909 also holds 2 group plans offered through former employers and unions, with 3,591 members in September 2026 (plans with fewer than 11 not counted). They are not sold to individuals, so the landscape files list no premiums or benefits for them; the employer or union sends their 2027 terms.
| Plan ID | Plan name | Members, Sept. 2026 | 2027 |
|---|---|---|---|
| H3909-801 | Personal Choice 65 Group Medical Only | 2,221 | renews |
| H3909-802 | Personal Choice 65 Group Rx | 1,370 | renews |
Source: CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026).
How did CMS rate it for 2026?
The overall rating is 4 of 5 (health plan 4 of 5, drug plan 4.5 of 5). Of its 41 rated measures, the lowest and the highest:
| Lowest-rated measures | Stars |
|---|---|
| Improving Bladder Control | 2 |
| Medication Reconciliation Post-Discharge | 2 |
| Diabetes Care – Eye Exam | 3 |
| Follow-up after Emergency Department Visit for People with Multiple High-Risk Chronic Conditions | 3 |
| Highest-rated measures | Stars |
|---|---|
| Medication Adherence for Diabetes Medications | 5 |
| Rating of Drug Plan | 5 |
| Drug Plan Quality Improvement | 5 |
| Members Choosing to Leave the Plan | 5 |
Source: CMS Part C and D Star Ratings data tables, 2026 (October 2025).
What else should you check?
- All Independence Blue Cross plansEvery contract of the brand
- Star ratings of every contractThe 2026 ratings, and 2027 when CMS publishes them
- Find a plan by its IDFrom the card or a letter