Health Insurance Plans in Illinois
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Illinois residents. Get a free quote from a licensed advisor today.
Find Illinois Health Plans
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Illinois Health Insurance at a Glance
Here's what you need to know about health coverage options in Illinois.
Illinois has a robust marketplace with strong carrier competition, particularly in the Chicago metro area. The state expanded Medicaid and has seen significant enrollment growth.
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Get My Personalized Quote →ACA Marketplace Plans in Illinois
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Illinois Marketplace Works
Illinois residents enroll through State-based (Get Covered Illinois). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Illinois
These insurance companies offer ACA marketplace plans in Illinois:
- Blue Cross Blue Shield of Illinois
- Ambetter
- Cigna Healthcare
- Oscar Health
- Molina Healthcare
- UnitedHealthcare
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Illinois
Illinois has expanded Medicaid under the ACA.
Adults with household incomes up to 138% of the Federal Poverty Level (about $20,120 for an individual in 2026) may qualify for Medicaid. Those above this threshold should explore ACA marketplace plans, where premium tax credits can significantly reduce costs.
Check Your Eligibility →Short-Term Health Insurance in Illinois
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Illinois
- Maximum duration: 6 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Illinois?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Illinois
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Illinois Health Insurance Questions
Illinois Insurance Resources
Illinois Department of Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
Illinois Marketplace
Enroll in ACA plans through State-based (Get Covered Illinois).
Health Insurance by City in Illinois
Find health insurance information specific to your city in Illinois.
Chicago
Cook County · Pop. 2,696,555
Aurora
Kane County · Pop. 180,542
Rockford
Winnebago County · Pop. 148,655
Naperville
DuPage County · Pop. 149,540
Springfield
Sangamon County · Pop. 114,394
Chicago
Cook County · Pop. 2,716,000
Aurora
DuPage County · Pop. 197,899
Rockford
Winnebago County · Pop. 148,655
Joliet
Will County · Pop. 148,117
Naperville
DuPage County · Pop. 148,449
Springfield
Sangamon County · Pop. 114,394
Peoria
Peoria County · Pop. 115,007
Elgin
Kane County · Pop. 113,929
Evanston
Cook County · Pop. 74,486
Waukegan
Lake County · Pop. 88,826
Cicero
Cook County · Pop. 83,891
Arlington Heights
Cook County · Pop. 75,101
Schaumburg
Cook County · Pop. 73,305
Rialto
Cook County · Pop. 40,000
Downers Grove
DuPage County · Pop. 58,836
Decatur
Macon County · Pop. 76,122
Bloomington
McLean County · Pop. 84,633
Champaign
Champaign County · Pop. 88,302
Urbana
Champaign County · Pop. 43,381
Carbondale
Jackson County · Pop. 27,652
Health Insurance by County in Illinois
Find health insurance information for your county in Illinois.
Cook County
County Seat: Chicago · Pop. 5,275,541
DuPage County
County Seat: Wheaton · Pop. 916,924
Winnebago County
County Seat: Rockford · Pop. 288,477
Will County
County Seat: Joliet · Pop. 716,260
Kane County
County Seat: Geneva · Pop. 544,106
Lake County
County Seat: Waukegan · Pop. 700,476
Sangamon County
County Seat: Springfield · Pop. 193,956
Peoria County
County Seat: Peoria · Pop. 183,433
Macon County
County Seat: Decatur · Pop. 105,524
McLean County
County Seat: Bloomington · Pop. 183,437
Champaign County
County Seat: Champaign · Pop. 201,081
Jackson County
County Seat: Murphysboro · Pop. 76,149
Alexander County
County Seat: Cairo · Pop. 7,804
Bond County
County Seat: Greenville · Pop. 16,984
Boone County
County Seat: Belvidere · Pop. 53,496
Brown County
County Seat: Mount Sterling · Pop. 6,950
Bureau County
County Seat: Princeton · Pop. 33,934
Carroll County
County Seat: Mount Carroll · Pop. 15,387
Cass County
County Seat: Virginia · Pop. 12,802
Clark County
County Seat: Marshall · Pop. 15,921
Clay County
County Seat: Louisville · Pop. 12,875
Clinton County
County Seat: Carlyle · Pop. 37,531
Crawford County
County Seat: Robinson · Pop. 18,576
Cumberland County
County Seat: Toledo · Pop. 10,762