Illinois Health Insurance
Illinois Health Insurance: Free Help Comparing ACA and Private Plans
Licensed in Illinois — helping you online, wherever you live in the state.
Whether you're in Chicago, the suburbs, or downstate, I help Illinois individuals, families, and self-employed professionals compare their health insurance options and enroll — all online by phone or video, at no cost to you. I'll show you both ACA plans through Get Covered Illinois and private plans, side by side, so you can choose what fits your health, your doctors, and your budget.
Illinois Now Runs Its Own Marketplace
Illinois no longer uses HealthCare.gov. Since Open Enrollment for 2026 coverage, Illinois residents shop for and enroll in ACA plans through the state's own marketplace, Get Covered Illinois. Premium tax credits that lower your monthly cost are available only through Get Covered Illinois. For 2027 coverage, window shopping opened October 19, 2026, so you can preview plans and prices before enrolling.
What's Changing for 2027 in Illinois
Open Enrollment runs November 1, 2026, through January 15, 2027. Enroll by mid-December to be safe for coverage starting January 1 — I'll confirm the exact date for your plan.
Five insurers will offer plans on Get Covered Illinois for 2027. Cigna and Molina plans will no longer be available starting January 1, 2027, so if you have one, you'll need to choose a new plan.
The Illinois Department of Insurance reports a statewide weighted average rate increase of 14.1% for individual plans. Your actual premium depends on the plan you choose and the financial help you qualify for.
Enhanced federal premium tax credits were not renewed, so many people are paying more — which makes comparing your options more important than ever.
In 2026, 466,371 Illinoisans enrolled through Get Covered Illinois, and about 85% received premium tax credits.
ACA or Private: Two Paths for Illinois Residents
ACA plans through Get Covered Illinois accept everyone, with no health questions, and can't turn you down or charge more because of a pre-existing condition. Private plans are offered outside the marketplace and ask health questions, so eligibility depends on your answers — but for healthy people, private plans may cost less, and many are available year-round. I'll compare both for you, and if a private plan isn't the right fit, an ACA plan is always an option.
Need Coverage Outside Open Enrollment?
If you have a qualifying life event — like losing other coverage, moving, getting married, or having a baby — you can enroll in an ACA plan during a Special Enrollment Period. In Illinois, pregnancy also counts as a qualifying event. Medicaid and All Kids (Illinois' program for children) accept applications year-round. And depending on eligibility, private plans are often available any time of year.
How I Help Illinois Residents — Always Free
I'll learn about your household, your budget, and the doctors you want to keep, then walk you through the ACA and private options available in your ZIP code in plain English. I'll check your doctors and prescriptions, help you apply for any financial help you qualify for, and handle enrollment from start to finish. My help is free — plan prices are the same with or without a broker.
Illinois Health Insurance FAQ
When is Open Enrollment in Illinois for 2027?
November 1, 2026, through January 15, 2027, through Get Covered Illinois.
Do Illinois residents still use HealthCare.gov?
No. Illinois runs its own marketplace, Get Covered Illinois, and premium tax credits are available only there.
My Cigna or Molina marketplace plan is ending. What should I do?
Keep paying your premium through the end of 2026, then choose a new plan during Open Enrollment so you're covered for 2027. I can help you compare replacements.
Do we need to meet in person?
No. All consultations are online by phone or video, anywhere in Illinois.
Is your help free?
Yes. Brokers are paid by the insurance carriers, so your price is the same.
Reviewed by Heath Heimlich, licensed health insurance advisor (NPN 8799018). Sources: Illinois Department of Insurance; Get Covered Illinois. October 2026.