Illinois Health Insurance

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If you’re an Illinois resident, you know health insurance can be a bit pricey. Luckily, you have several options. There are many affordable coverage choices that you can explore. It’ll take a little research, but you should be able to find a great plan.

Here are various options for affordable health insurance in Illinois.

1. BlueCross BlueShield

BlueCross BlueShield (BCBS) offers plans throughout America. It’s a widespread, well-known company that provides plans for individuals and families everywhere. There are several selections to explore based on your situation, but your cheapest choices will be Blue FocusCare Bronze 209 or Blue FocusCare Gold 211.

This bronze plan features a $6,000 deductible and a $7,350 maximum out-of-pocket for individuals. If you’re a 40-year-old, you can expect to pay around $270 for a monthly premium. It also has relatively cheap co-payments. There’s also the Blue FocusCare Gold 211 plan, which requires a higher monthly premium, but you get a lower deductible and maximum out-of-pocket.

BCBS might be the first company you want to explore for affordable health insurance in Illinois.

2. Health Alliance

Health Alliance provides coverage for individuals throughout Illinois as well as a few other states. This company also offers Medicaid, so you can explore those possibilities, too. They’re the largest health care provider in downstate Illinois.

Among Health Alliance individual plan options, you can find a budget-friendly pick called the 2021 POS 3000 Elite Silver plan. It’s an excellent higher-tier option with reasonable rates. It’s also possible to buy Medicare coverage. If you’re 65 years old or older, you can access supplemental plans that can tack on to your primary Medicare plan.

3. WellFirst Health

WellFirst Health is another option for affordable health insurance in Illinois. This company lists several coverage plans that apply to individuals and families. Take the Bronze Value Copay 8500X01 plan as an example of a budget-friendly choice. There are also Medicare options that you can explore for supplemental purposes.

This company offers plans through SSM Health, which works with providers throughout the U.S.

4. Bright Health

Bright Health has individual and family plans, as well as Medicare Advantage plans. Their cheapest option for a 40-year-old would be the Catastrophic 3 $0 PCP Visits plan. This choice has higher deductibles and out-of-pocket maximums — but if you don’t have health concerns, you might prefer a catastrophic plan.

Be sure to browse their dental, vision, and pediatric plan possibilities. There’s also coverage for mental health purposes.

5. Cigna

This company offers similar services. Cigna provides coverage in several states, including Illinois. Their website, like the others listed, allows you to browse specific plans in your area so you can see what you’ll pay for each option. Keep in mind that there might be some plans you can’t access due to your location.

There are several choices for individuals and families, as well as for those who need Medicare.

6. United Healthcare

If you’re looking for additional or short-term coverage, you should explore United Healthcare. This company also offers individual and family health insurance, but you should also know about their other options. This supplemental insurance can be a good pick when you want to add to your current coverage.

United Healthcare supplies hospital insurance, accident insurance, and dental and vision insurance. This coverage protects you from specific incidents that your current plan might not address as much as you’d like. There are several supplemental coverage options available for those in Illinois.


There’s a significant chance you’ve heard about the Marketplace. This name refers to the U.S. government’s health care website at Here, you can browse options for coverage from multiple companies. It’s a smart place to look when you want to see everything in one place.

After you enter your information, you’ll be able to see various options that apply to you. There should be several options that you can sort based on premiums, deductibles, and other filters. It’s also possible to look at dental plans, which tend to be much cheaper, but they aren’t usually included with standard health insurance.

Explore These Choices for Affordable Health Insurance in Illinois

If you’re looking for affordable health insurance in your area, you have many possibilities at your disposal. There isn’t a one-size-fits-all plan, so you’ll have to use your own information to find coverage that best suits your needs. Explore these options today.

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