Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
HealthSpring True Choice, 2027
H7849Contract156Plan
PPO · 9 counties in Illinois, Missouri
Run by HealthSpring Life & Health Insurance Company, Inc. (contract H7849), sold as HealthSpring, owned by Health Care Service Corporation
HealthSpring True Choice (H7849-156) costs $6 a month in 2027, with an in-network out-of-pocket limit of $7,150. It is a new plan for 2027.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | not offered | $6 | new for 2027 |
| In-network out-of-pocket limit | not filed | $7,150 | new for 2027 |
| Drug deductible | not filed | $700 | new for 2027 |
| Primary care visit | not offered | $0 copay | changed |
| Specialist visit | not offered | $55 copay | changed |
| Emergency room | not offered | $130 copay | changed |
| Medical deductible, in network | none | $350 | ▲added |
| Hospital stay, in network | not offered | $459 a day for days 1–6, then $0 a day for days 7–90 | changed |
| Skilled nursing facility, in network | not offered | $10 a day for days 1–20, then $221 a day for days 21–100 | changed |
| Ground ambulance, in network | not offered | $230 copay | changed |
| Eyewear, yearly limit | not offered | $100 a year | ▲added |
| 5 lines do not change | |||
| Part B premium reduction, monthly | none | none | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Hearing aids, yearly limit for both ears | not offered | not offered | no change |
| Over-the-counter items, yearly | not offered | not offered | no change |
| Counties served | not offered | 9 | new for 2027 |
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 benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.
What will prescriptions cost?
| Tier | What the tier holds | 2026, standard pharmacy | 2027, standard pharmacy | 2027, preferred pharmacy |
|---|---|---|---|---|
| Tier 1 | Preferred Generic | not offered | $10 | $0 |
| Tier 2 | Generic | not offered | $20 | $4 |
| Tier 3 | Preferred Brand | not offered | 20% of the cost | 20% of the cost |
| Tier 4 | Non-Preferred Drug | not offered | 25% of the cost | 25% of the cost |
| Tier 5 | Specialty Tier | not offered | 25% of the cost | 25% of the cost |
Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.
How does it compare with plans sold where it is?
In the counties it serves, 63 plans open to everyone are sold for 2027, this one included. Against the others, 48 plans have a lower out-of-pocket limit, 4 the same, 10 a higher one. On the premium, 47 plans have a lower premium, 15 a higher one.
Out-of-pocket limits of the 63 plans open to everyone
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where is it sold, and what does it cost there?
The premium and the out-of-pocket limit are the same in all 9 counties: $6 a month and $7,150.
Illinois
Missouri
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Who runs this plan?
- Plan ID
- H7849-156
- Legal name of the contract
- HealthSpring Life & Health Insurance Company, Inc.
- Sold as
- HealthSpring
- Parent company
- Health Care Service Corporation
- Plan type
- PPO
- 2026 star rating of the contract
- 3 of 5 overall; health plan 3 of 5, drug plan 3 of 5
- Plan website, as filed with CMS
- HealthSpring.com/Medicare
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.
What else should you check?
- Other 2027 plans in St. Louis, MOWhere most of its members live; premiums and limits side by side
- Every HealthSpring plan for 2027Its contracts, counties and plans that end
- The other 21 plans of contract H7849Same company, same contract
- Is your prescription covered?Coverage share and tier for 2,259 drugs
Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.