A quality health insurance plan can help you to get the care that you need, whether that’s an unexpected trip to the emergency room or the prescription medication that you take each month. Knowing that you’re covered with a good policy can also give you valuable peace of mind.
But finding affordable health insurance in Illinois can take some time and can be overwhelming. That’s why we’ve broken down the must-know details about how to get health insurance in Illinois.
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The average cost of health insurance in Illinois depends on the plan level that you choose. In Illinois, Bronze, Silver, Gold, and Platinum plans each carry different amounts of coverage. Bronze plans tend to be the most affordable, while Gold and Platinum plans are often the most expensive but provide more coverage and lower deductibles.
| Average Premium for Health Insurance in Illinois | |
| Most Affordable Bronze Plan | $340 |
| Most Affordable Silver Plan | $449 |
| Most Affordable Gold Plan | $482 |
Illinois uses the Federal Health Insurance Marketplace, so you can shop for plans and view estimated costs. You can also purchase insurance directly from an insurance company.
Keep in mind that many factors affect the cost of health insurance in Illinois, including your age, current health status, location, and the number of dependents that will be on your plan. To get the most accurate idea of what you will pay for different plans, it’s best to get a personalized quote. Contact ConsumerCoverage for a free, personalized quote today.
As you shop for health insurance in Illinois, you’ll have your choice of several different plan types. We’ve highlighted the basics of the most common plan types to help you choose the one that’s best for your needs:
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Several Illinois state health insurance plans are available for low-income families.
Illinois Medicaid
The Illinois Medicaid program consists of four different Medicaid types, and each has slightly different eligibility criteria. The baseline criteria include being at least 65 years old, pregnant, blind, or under age 18.
As of April 2023, income requirements for single Medicaid applicants over age 65 are an income limit of $1,215 per month and an asset limit of $17,500.
All Kids Assist
The All Kids Assist insurance helps to cover medical care, including prescription medications and doctor appointments, for children up to age 18. This program has no premiums or copays.
Monthly income limits range from $1,578 to $3,802 per month and depend on your household size.
Illinois FamilyCare
The FamilyCare program offers insurance coverage for income-eligible parents and caregivers of children under age 18. It helps to cover expenses like checkups, inpatient care, and emergency medical care.
The program’s monthly income limit for households of one to eight ranges from $1,436 to $4,994.
The best health insurance in Illinois should meet your coverage needs while also being in your budget. Shopping around and comparing plans can help you to find the right amount of coverage at a price that you can afford. To start, get your free, fast quote from ConsumerCoverage to explore your plan options.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
