Getting health insurance in Illinois is fairly easy to do. Like other states, the Affordable Care Act Plans are available through the federal marketplace, but enrollees should get guidance through Get Covered Illinois. Help from health insurance counselors is available free of charge. Due to COVID-19, the 2021 Special Enrolment Period has been extended to August 15th, 2021.
Highlights and Updates
- Residents can enroll for ACA-affiliated plans through the federal marketplace HealthCare.Gov.
- The 2021 Benefits Special Enrolment Period (SEP) lasts until August 15th, 2021.
- Short-term health insurance is available for six months, with no renewals allowed within a year of the end of the coverage.
- The benchmark premium for health insurance in Illinois is $423.
How to Buy Health Insurance in Illinois
You can buy health insurance in Illinois through the federal marketplace: HealthCare.Gov. You can input your family/financial situation, compare quotes and even figure out if you qualify for financial assistance.
How To Apply For Health Insurance in Illinois
If you don’t know where to start, Get Covered Illinois can help you determine which plan is right for you. It’s extremely user-friendly, and also has counselors who can help you pick the coverage that suits you and/or your family based on your financial situation.
Health Insurance Carriers In Illinois
Eight insurers offer coverage through the Illinois exchange:
- Health Alliance Medical Plans
- Blue Cross Blue Shield of Illinois
- Quartz Health Benefit Plans Corporation
- Celtic Insurance Company
- Cigna HealthCare of Illinois
- Bright Health
- MercyCare HMO
- SSM Health Plan (WellFirst Health)
What Are The Cheapest Health Insurance Companies in Illinois?
Blue Cross and Blue Shield of Illinois, Bright Health, and Ambetter all have modestly-priced plans.
How Has Obamacare Helped Illinois’s Uninsured?
According to the Chicago Tribune, before the plan started, nearly 14% of the Illinois population was uninsured, but by 2017, that number was cut in half. (Source)
Illinois Health Insurance Costs Overview
There are four main metal tiers for health insurance in Illinois: Bronze, Silver, Gold, and Platinum.
How Much Does Health Insurance Cost in Illinois?
According to the KFF, the average benchmark premium in Illinois is $423 in the year 2021.
What is the Cheapest Health Insurance Plan in Illinois?
The cheapest health insurance plan in Illinois is Blue FocusCare Bronze 209, at $256.43 a month with a $7400 deductible and an out-of-pocket maximum of $8550.
Cheapest Pennsylvania Health Insurance Coverage by Metal Tier
Blue FocusCare Gold 211 ranks as the most affordable Gold plan. The premium is $393.82 a month. The deductible is $750, and the out-of-pocket maximum is $8500.
Bright Health Care Silver 5000 is the cheapest Silver plan, with a deductible of $322.03 a month. The deductible is $5000, and the out-of-pocket maximum is $8500.
Blue FocusCare Bronze 209, at $256.43 a month with a $7400 deductible, and an out-of-pocket maximum of $8550.
Illinois Health Insurance Costs by Occupation
What Is the Average Cost of Health Insurance for a Student in Illinois?
If you’re a student in Illinois, you can either opt-in to your school’s health insurance plan, which is typically low cost and comprehensive, or stay on your parents’ health insurance plan until you’re 26. You can also buy a student health plan directly from an insurer, with low deductibles and 100% coverage of eligible services at the Student Health Center.
What Is the Average Cost of Health Insurance for the Self-Employed In Illinois?
Those who are self-employed in Illinois can sign up for an individual insurance plan on the federal marketplace.
What Is the Average Cost of Health Insurance for Small Business Owners in Illinois?
Small business owners can qualify for The Small Business Health Options Program (SHOP) plan through the federal marketplace, assuming they fit the criteria. Otherwise, they may qualify for a tax credit worth up to 50% of their contribution to employee premiums for two years. They are eligible if they have fewer than 25 employees making less than $50,000 a year.
Illinois Health Insurance Costs by Number of Participants
What Is the Average Cost of Health Insurance for Families in Illinois?
It depends, but typically a couple (one non-smoking forty-year-old male/one non-smoking 40-year-old female) with two dependent children and a household income of $100,000 would pay around $800-900 for a bronze health insurance plan monthly. However, the same family would also qualify for an estimated premium tax credit of $432 per month.
What Is the Average Cost of Health Insurance for Individuals in Illinois?
Across all tiers, the benchmark price for a Pennsylvania individual is roughly $423.
What Is the Average Cost of Health Insurance for a Child in Pennsylvania?
Regardless of your family size or income, your child may qualify for low-to-no-cost health insurance through the Children’s Health Insurance Program (CHIP). Illinois also has the All Kids program, which offers significantly lower premiums than the private market for middle-income families.
Other Types of Pennsylvania Health Insurance Coverage
Catastrophic Health Insurance in Illinois
Catastrophic health insurance plans are available in Illinois but only to those thirty years of age or younger or those who apply for a hardship or affordability exemption. The premiums are low but the deductibles are very high.
Short Term or Temporary Health Insurance in Illinois
Short-term health insurance is available in Illinois for up to 6 months with no renewals allowed within a year of the end of the coverage.
Low-Income Health Insurance in Illinois
Low-income health insurance is available through Illinois Medicaid. You can apply via Benefits.Gov.