Illinois Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Illinois. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$470/mo
Age 40, before credits
Avg Deductible
$4,000
Silver plan
Medicaid
Expanded
Up to 138% FPL
Insurers
9
On marketplace
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Top Health Insurers in Illinois
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
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Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15
- •Illinois Medicaid covers adults up to 138% FPL
- •ACA subsidies available; BCBSIL dominates the marketplace
Illinois Health Insurance Facts
GetCoveredIllinois.gov is the state marketplace (uses HealthCare.gov backend).
Illinois has the largest Medicaid program in the Midwest.
Cook County (Chicago) accounts for 40%+ of marketplace enrollees.
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