{"id":1959,"date":"2025-08-28T01:42:11","date_gmt":"2025-08-28T06:42:11","guid":{"rendered":"https:\/\/www.ahix.com\/blog\/?p=1959"},"modified":"2025-09-01T01:09:26","modified_gmt":"2025-09-01T06:09:26","slug":"state-of-illinois-health-insurance-exchange-guide","status":"publish","type":"post","link":"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/","title":{"rendered":"State of Illinois Health Insurance Exchange: What to Know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><strong>Big news for Illinois residents:<\/strong> The state is changing how you shop for health insurance. Starting with the 2026 plan year, Illinois is moving from the federal marketplace, HealthCare.gov, to its own State-Based Health Insurance Exchange.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This change means the state of Illinois will now manage its own online platform where people can compare and buy health insurance plans. While the rules of the Affordable Care Act (ACA) stay the same, the enrollment process and website will look different.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For individuals, families, and small businesses, this shift is important because it could bring more local support, better plan options, and a simpler shopping experience. However, many people are wondering:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What exactly is this new state exchange?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Why is Illinois making this move?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Will my current plan change?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How do I enroll when the new marketplace launches?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In this guide, we\u2019ll answer these questions and explain everything you need to know about the State of Illinois Health Insurance Exchange, including key dates, benefits, enrollment steps, and how it affects your 2025 health coverage.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#What_Is_the_State_of_Illinois_Health_Insurance_Exchange\" >What Is the State of Illinois Health Insurance Exchange?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#Why_Illinois_Is_Moving_to_a_State-Based_Marketplace\" >Why Illinois Is Moving to a State-Based Marketplace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#When_Did_the_Illinois_Health_Insurance_Marketplace_Start\" >When Did the Illinois Health Insurance Marketplace Start?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#Heres_what_that_means\" >Here\u2019s what that means:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#How_the_New_Illinois_Marketplace_Works_for_Consumers\" >How the New Illinois Marketplace Works for Consumers<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#1_Shopping_for_Plans\" >1. Shopping for Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#2_Financial_Help_and_Eligibility\" >2. Financial Help and Eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#3_Enrollment_and_Renewals\" >3. Enrollment and Renewals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#4_Support_and_Guidance\" >4. Support and Guidance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#Benefits_of_the_State-Based_Marketplace\" >Benefits of the State-Based Marketplace<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#1_Plans_Designed_for_Illinois_Residents\" >1. Plans Designed for Illinois Residents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#2_Easier_Application_and_Enrollment\" >2. Easier Application and Enrollment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#3_Better_Access_to_Financial_Assistance\" >3. Better Access to Financial Assistance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#4_Local_Customer_Support\" >4. Local Customer Support<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#Who_Is_Affected_by_the_Illinois_Marketplace_Change\" >Who Is Affected by the Illinois Marketplace Change<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#1_Individuals_and_Families\" >1. Individuals and Families<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#2_Small_Businesses\" >2. Small Businesses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#3_Medicaid_Applicants\" >3. Medicaid Applicants<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#Financial_Help_Available_on_the_Illinois_Marketplace\" >Financial Help Available on the Illinois Marketplace<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#1_Premium_Tax_Credits\" >1. Premium Tax Credits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#2_Cost-Sharing_Reductions_CSRs\" >2. Cost-Sharing Reductions (CSRs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#3_Integrated_Medicaid_Screening\" >3. Integrated Medicaid Screening<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#Steps_to_Enroll_in_the_Illinois_Health_Insurance_Marketplace\" >Steps to Enroll in the Illinois Health Insurance Marketplace<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#1_Create_Your_Account\" >1. Create Your Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#2_Provide_Household_Information\" >2. Provide Household Information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#3_Compare_Available_Plans\" >3. Compare Available Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#4_Check_for_Financial_Assistance\" >4. Check for Financial Assistance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#5_Select_and_Enroll\" >5. Select and Enroll<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#6_Get_Expert_Help_if_Needed\" >6. Get Expert Help if Needed<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#FAQs\" >FAQs:\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#1_Will_the_new_Illinois_health_insurance_exchange_affect_employer-provided_coverage\" >1. Will the new Illinois health insurance exchange affect employer-provided coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#2_Can_I_keep_my_doctor_when_switching_to_the_Illinois_marketplace\" >2. Can I keep my doctor when switching to the Illinois marketplace?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#3_How_do_I_report_income_changes_after_enrolling_on_the_Illinois_exchange\" >3. How do I report income changes after enrolling on the Illinois exchange?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#4_Does_Illinois_offer_dental_and_vision_plans_on_the_new_marketplace\" >4. Does Illinois offer dental and vision plans on the new marketplace?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#5_What_happens_if_I_miss_the_open_enrollment_period\" >5. What happens if I miss the open enrollment period?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#6_Are_undocumented_immigrants_eligible_for_coverage_on_the_Illinois_exchange\" >6. Are undocumented immigrants eligible for coverage on the Illinois exchange?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#7_How_does_the_Illinois_marketplace_help_people_with_chronic_health_conditions\" >7. How does the Illinois marketplace help people with chronic health conditions?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#8_Can_college_students_in_Illinois_buy_insurance_through_the_state_marketplace\" >8. Can college students in Illinois buy insurance through the state marketplace?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#9_Is_mental_health_care_covered_under_Illinois_marketplace_plans\" >9. Is mental health care covered under Illinois marketplace plans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/#10_How_can_I_get_free_help_with_the_enrollment_process\" >10. How can I get free help with the enrollment process?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_the_State_of_Illinois_Health_Insurance_Exchange\"><\/span><b>What Is the State of Illinois Health Insurance Exchange?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1962 aligncenter\" src=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Illinois-Health-Insurance-Exchange.jpg\" alt=\"Illinois Health Insurance Exchange: Key Info Overview\" width=\"750\" height=\"400\" srcset=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Illinois-Health-Insurance-Exchange.jpg 750w, https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Illinois-Health-Insurance-Exchange-300x160.jpg 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The State of Illinois Health Insurance Exchange is a new state-run online marketplace where people can compare and purchase health insurance plans that meet Affordable Care Act (ACA) requirements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike the current system that uses <strong><a href=\"https:\/\/www.healthcare.gov\/\" target=\"_blank\" rel=\"noopener\">healthcare.gov<\/a><\/strong>, this state-based exchange will be fully managed by Illinois, giving residents a platform designed specifically for their needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through this marketplace (similar to healthcare.gov), individuals and families can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Browse and compare approved health plans<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check eligibility for financial assistance, like tax credits<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">See options for Medicaid enrollment without leaving the portal<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This shift is expected to make health plan shopping more straightforward and locally supported. Illinois aims to create a marketplace that offers clearer guidance, user-friendly tools, and better customer assistance during open enrollment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For those who need expert help in navigating these changes, organizations like AHiX Marketplace will provide guidance to ensure residents choose the right plan when transitioning to this new system.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Illinois_Is_Moving_to_a_State-Based_Marketplace\"><\/span><b>Why Illinois Is Moving to a State-Based Marketplace<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Illinois decided to create its own health insurance exchange to gain more control and flexibility in how <a href=\"https:\/\/www.ahix.com\/health-insurance\/plan-grid\"><strong>health coverage<\/strong><\/a> is offered to residents. Under the federal system, Illinois had to follow national processes and systems, which sometimes made it harder to respond to local needs.<\/p>\n<p><span style=\"font-weight: 400;\">With a state-based marketplace, Illinois can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tailor enrollment tools<\/b><span style=\"font-weight: 400;\"> to be easier for local users<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Design programs and subsidies<\/b><span style=\"font-weight: 400;\"> that better match the state\u2019s population<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Improve outreach and education<\/b><span style=\"font-weight: 400;\"> to help more people understand their insurance options<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p>Another reason for the switch is cost efficiency. By managing its own marketplace, Illinois can save on fees paid to the federal government and reinvest that money into improving the platform and support services.<\/p>\n<p>Several other states have already made this transition successfully, leading to higher enrollment rates and better user experiences. Illinois is looking to achieve similar results by launching a system that\u2019s simpler, more helpful, and more connected to state health programs.<\/p>\n<p>For residents, this change is designed to make <a href=\"https:\/\/www.ahix.com\/blog\/ultimate-guide-to-selecting-the-best-health-insurance-plan\/\"><strong>choosing a health plan<\/strong><\/a> less confusing and more affordable, without changing the protections and benefits provided by the ACA.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_Did_the_Illinois_Health_Insurance_Marketplace_Start\"><\/span><b>When Did the Illinois Health Insurance Marketplace Start?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1963 aligncenter\" src=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/When-Did-the-Illinois-Health-Insurance-Marketplace-Start1.jpg\" alt=\"exploring Illinois Health Insurance Marketplace\" width=\"750\" height=\"500\" srcset=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/When-Did-the-Illinois-Health-Insurance-Marketplace-Start1.jpg 750w, https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/When-Did-the-Illinois-Health-Insurance-Marketplace-Start1-300x200.jpg 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Illinois decided to create its own health insurance exchange to gain more control and flexibility in how health coverage is offered to residents. Under the federal system, Illinois had to follow national processes and systems, which sometimes made it harder to respond to local needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a state-based marketplace, Illinois can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tailor enrollment tools<\/b><span style=\"font-weight: 400;\"> to be easier for local users<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Design programs and subsidies<\/b><span style=\"font-weight: 400;\"> that better match the state\u2019s population<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Improve outreach and education<\/b><span style=\"font-weight: 400;\"> to help more people understand their insurance options<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Another reason for the switch is cost efficiency. By managing its own marketplace, Illinois can save on fees paid to the federal government and reinvest that money into improving the platform and support services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Several other states have already made this transition successfully, leading to higher enrollment rates and better user experiences. Illinois is looking to achieve similar results by launching a system that\u2019s simpler, more helpful, and more connected to state health programs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For residents, this change is designed to make choosing a health plan less confusing and more affordable, without changing the protections and benefits provided by the ACA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Illinois residents used to sign up for coverage through HealthCare.gov. Starting in 2025, the state began transitioning to a system it controls. For the 2025 plan year, enrollment still happens on HealthCare.gov, but Illinois now manages more of the process behind the scenes.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Heres_what_that_means\"><\/span><b>Here\u2019s what that means:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In 2024, <strong><a href=\"https:\/\/www.ahix.com\/blog\/open-enrollment-basics-choosing-the-right-health-insurance-plan\/\">Open Enrollment for 2025<\/a><\/strong> coverage took place on HealthCare.gov.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On January 1, 2025, those health insurance plans officially started.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In late 2025, Illinois will launch its fully state-run marketplace, Get Covered Illinois, where people will enroll directly for 2026 coverage.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once Illinois\u2019 new marketplace is live, the goal is to offer more support, easier tools, and better help for people choosing health plans making it less confusing and easier to find coverage that fits your needs and budget.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_the_New_Illinois_Marketplace_Works_for_Consumers\"><\/span><b>How the New Illinois Marketplace Works for Consumers<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1964 aligncenter\" src=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/How-Illinois-New-Marketplace-Works-for-You.jpg\" alt=\"How Illinois\u2019 New Health Marketplace Works\" width=\"750\" height=\"400\" srcset=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/How-Illinois-New-Marketplace-Works-for-You.jpg 750w, https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/How-Illinois-New-Marketplace-Works-for-You-300x160.jpg 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The new State of Illinois Health Insurance Exchange works much like the old federal marketplace but is now managed by the state. This gives Illinois more control and allows residents to have a smoother, more personalized experience when shopping for health insurance.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Shopping_for_Plans\"><\/span><b>1. Shopping for Plans<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Consumers can visit the new <a href=\"https:\/\/getcovered.illinois.gov\/resources\/faq---insurer-changes-for-2026-marketplace-coverage.html\" target=\"_blank\" rel=\"noopener\"><strong>Illinois marketplace website<\/strong> <\/a>to view all available health insurance plans. Each plan shows details about coverage, monthly costs, and out-of-pocket expenses. The site also has tools to help you compare plans side by side, making it easier to see which one best fits your needs.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Financial_Help_and_Eligibility\"><\/span><b>2. Financial Help and Eligibility<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Just like before, you may qualify for <\/span>tax credits or cost-sharing assistance<span style=\"font-weight: 400;\"> that lowers your monthly premium or reduces your medical costs. The new state system automatically checks your eligibility when you apply. It also integrates with Medicaid, so you can find out if you qualify for free or low-cost health coverage without having to visit a different site.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Enrollment_and_Renewals\"><\/span><b>3. Enrollment and Renewals<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can create an account, submit your application, and enroll in a health plan directly on the state platform. Renewing your coverage each year will also happen through this same website.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Support_and_Guidance\"><\/span><b>4. Support and Guidance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With the state running its own marketplace, local help is more accessible. Licensed agents, navigators, and organizations like <a href=\"https:\/\/www.ahix.com\/\"><strong>AHiX Marketplace<\/strong><\/a> are available to guide you through the process. Whether you\u2019re signing up for the first time or switching plans, AHiX can help you understand your options and complete your enrollment without stress.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This new system is designed to make finding, comparing, and signing up for health insurance simpler and faster, while still offering the same protections and benefits under the Affordable Care Act.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_the_State-Based_Marketplace\"><\/span><b>Benefits of the State-Based Marketplace<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1965 aligncenter\" src=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Top-Advantages-of-the-State-Run-Marketplace.jpg\" alt=\"Top Advantages of the State-Run Health Marketplace\" width=\"750\" height=\"400\" srcset=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Top-Advantages-of-the-State-Run-Marketplace.jpg 750w, https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Top-Advantages-of-the-State-Run-Marketplace-300x160.jpg 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Moving to a state-based marketplace gives Illinois more flexibility to design a system that works better for its residents. Here\u2019s how this change benefits people looking for health insurance:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Plans_Designed_for_Illinois_Residents\"><\/span><b>1. Plans Designed for Illinois Residents<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With the state in charge, insurance offerings can be tailored to meet the specific healthcare needs of Illinois communities. This means you may see more local insurers and plan options that better match what residents actually use and need.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Easier_Application_and_Enrollment\"><\/span><b>2. Easier Application and Enrollment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The new website is built specifically for Illinois, making it easier to navigate compared to the national platform. Residents now have simplified forms, clearer instructions, and integrated tools that help check eligibility and compare plans without confusion.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Better_Access_to_Financial_Assistance\"><\/span><b>3. Better Access to Financial Assistance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The state exchange automatically calculates premium tax credits and cost-sharing reductions based on your income. This ensures that you won\u2019t miss out on savings you qualify for.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Local_Customer_Support\"><\/span><b>4. Local Customer Support<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Because Illinois runs its own system, it can provide more responsive, in-state customer service. Help is available through call centers, local offices, and certified enrollment counselors who understand Illinois-specific insurance needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These improvements aim to make finding affordable, reliable health insurance simpler and more personalized, while keeping all the protections of the Affordable Care Act in place.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Is_Affected_by_the_Illinois_Marketplace_Change\"><\/span><b>Who Is Affected by the Illinois Marketplace Change<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The shift to a state-based marketplace impacts different groups in unique ways. Here\u2019s what individuals, families, and small businesses should know:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Individuals_and_Families\"><\/span><b>1. Individuals and Families<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">People buying their own health insurance will now use the Illinois marketplace instead of HealthCare.gov. The process is designed to be simpler, with tools to compare plans, check for savings, and see if Medicaid might be a better option. Current ACA protections remain unchanged, meaning essential benefits and coverage for pre-existing conditions are still included.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Small_Businesses\"><\/span><b>2. Small Businesses<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Small business owners can explore group health insurance options through the new marketplace. The state system may offer more local insurers and flexible plans, making it easier to provide employee health benefits.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Medicaid_Applicants\"><\/span><b>3. Medicaid Applicants<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For those who may qualify for Medicaid, the state marketplace is now connected directly to Illinois\u2019 Medicaid program. This allows for a single application process to determine eligibility for either private insurance with subsidies or free\/low-cost Medicaid coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Overall, this change is meant to give every group a more personalized, locally supported experience while keeping the same ACA protections and financial assistance.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial_Help_Available_on_the_Illinois_Marketplace\"><\/span><b>Financial Help Available on the Illinois Marketplace<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One of the biggest advantages of using the State of Illinois Health Insurance Exchange is access to financial assistance. These savings are designed to make health insurance more affordable for individuals and families with low to moderate incomes.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Premium_Tax_Credits\"><\/span><b>1. Premium Tax Credits<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your household income falls within a certain range, you may receive tax credits that reduce your monthly health insurance payments. These credits are applied automatically when you enroll, so you don\u2019t need to wait until tax season to see the benefit.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Cost-Sharing_Reductions_CSRs\"><\/span><b>2. Cost-Sharing Reductions (CSRs)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In addition to lower premiums, some people also qualify for reduced out-of-pocket costs, such as lower deductibles and copayments. CSRs are available if you choose a Silver-level health plan and meet income requirements.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Integrated_Medicaid_Screening\"><\/span><b>3. Integrated Medicaid Screening<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The new state marketplace checks if you\u2019re eligible for Medicaid or the Children\u2019s Health Insurance Program (CHIP) during the same application process. If you qualify, you\u2019ll be directed to no-cost or very low-cost coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These forms of assistance help make health insurance more affordable and accessible, ensuring that more Illinois residents can get the care they need without financial strain.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Steps_to_Enroll_in_the_Illinois_Health_Insurance_Marketplace\"><\/span><b>Steps to Enroll in the Illinois Health Insurance Marketplace<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1966 aligncenter\" src=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Steps-to-Enroll-in-the-Illinois-Health-Insurance-Marketplace.jpg\" alt=\"Guide to Enrolling in Illinois Health Plan Marketplace\" width=\"750\" height=\"420\" srcset=\"https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Steps-to-Enroll-in-the-Illinois-Health-Insurance-Marketplace.jpg 750w, https:\/\/www.ahix.com\/blog\/wp-content\/uploads\/2025\/08\/Steps-to-Enroll-in-the-Illinois-Health-Insurance-Marketplace-300x168.jpg 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Signing up for health insurance through the new State of Illinois Health Insurance Exchange is straightforward. Here\u2019s a simple guide to help you complete the process without confusion:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Create_Your_Account\"><\/span><b>1. Create Your Account<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Visit the official Illinois marketplace website and set up a secure account. You\u2019ll need basic details like your name, date of birth, and contact information.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Provide_Household_Information\"><\/span><b>2. Provide Household Information<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Fill out the application with information about your household members, income, and current health coverage. This helps the system calculate your eligibility for tax credits and other savings.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Compare_Available_Plans\"><\/span><b>3. Compare Available Plans<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Use the marketplace\u2019s comparison tools to review different insurance plans. You can see monthly premiums, deductibles, provider networks, and benefits side by side to make an informed choice.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Check_for_Financial_Assistance\"><\/span><b>4. Check for Financial Assistance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The system automatically shows how much help you can get with premiums and out-of-pocket costs. This ensures you don\u2019t miss out on any savings.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Select_and_Enroll\"><\/span><b>5. Select and Enroll<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Choose the plan that best fits your needs and complete the enrollment. Once approved, you\u2019ll receive your policy details and insurance card.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Get_Expert_Help_if_Needed\"><\/span><b>6. Get Expert Help if Needed<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re unsure at any step, certified agents and organizations like <strong><a href=\"https:\/\/www.ahix.com\/\">AHiX Marketplace<\/a><\/strong> can guide you through the process at no extra cost.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The launch of the State of Illinois Health Insurance Exchange has changed how residents find and sign up for health coverage. With a platform designed and managed by the state, Illinois now offers a more local, personalized way to compare plans, check eligibility for savings, and enroll in health insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For individuals, families, and small businesses, this transition means better tools, easier navigation, and improved access to financial help. Whether you\u2019re buying insurance for the first time or renewing an existing plan, the new marketplace makes the process simpler and more transparent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re still unsure which plan fits your needs or how to take full advantage of available tax credits, professional guidance can help. Licensed agents and enrollment specialists, including the team at <a href=\"https:\/\/www.ahix.com\/#easy-enrollment\"><strong>AHiX Marketplace<\/strong><\/a>, are ready to walk you through the process and make sure you\u2019re fully covered for the year ahead.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Taking a little time now to review your options ensures you and your family have affordable, reliable health insurance without missing any benefits you qualify for.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><b>FAQs:\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Will_the_new_Illinois_health_insurance_exchange_affect_employer-provided_coverage\"><\/span><b>1. Will the new Illinois health insurance exchange affect employer-provided coverage?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, the state marketplace only impacts people buying insurance on their own or small business plans. Employer-provided insurance remains separate and unaffected.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_keep_my_doctor_when_switching_to_the_Illinois_marketplace\"><\/span><b>2. Can I keep my doctor when switching to the Illinois marketplace?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, the new marketplace lets you check which doctors and hospitals are included in each health plan\u2019s network before enrolling.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_do_I_report_income_changes_after_enrolling_on_the_Illinois_exchange\"><\/span><b>3. How do I report income changes after enrolling on the Illinois exchange?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can log into your account on the marketplace website and update your income at any time. Reporting changes quickly helps you receive the correct financial assistance.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Does_Illinois_offer_dental_and_vision_plans_on_the_new_marketplace\"><\/span><b>4. Does Illinois offer dental and vision plans on the new marketplace?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, stand-alone dental and vision plans are available for both adults and children during open enrollment or when you first sign up.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_I_miss_the_open_enrollment_period\"><\/span><b>5. What happens if I miss the open enrollment period?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You might qualify for a <\/span><a href=\"https:\/\/www.ahix.com\/blog\/special-enrollment-period-qualifying-life-events\/\"><b>Special Enrollment Period<\/b><\/a><span style=\"font-weight: 400;\"> if you experience a major life change, such as losing other coverage or having a baby. If not, you\u2019ll have to wait until the next enrollment window.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_undocumented_immigrants_eligible_for_coverage_on_the_Illinois_exchange\"><\/span><b>6. Are undocumented immigrants eligible for coverage on the Illinois exchange?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Undocumented immigrants cannot buy ACA health plans, but other state or community health programs may be available depending on income and circumstances.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_does_the_Illinois_marketplace_help_people_with_chronic_health_conditions\"><\/span><b>7. How does the Illinois marketplace help people with chronic health conditions?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">All plans sold on the marketplace must cover essential benefits, including treatment for chronic conditions, prescription drugs, and preventive care without discrimination.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_college_students_in_Illinois_buy_insurance_through_the_state_marketplace\"><\/span><b>8. Can college students in Illinois buy insurance through the state marketplace?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, students can buy individual health plans through the exchange. Depending on income, they may qualify for tax credits or Medicaid coverage.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Is_mental_health_care_covered_under_Illinois_marketplace_plans\"><\/span><b>9. Is mental health care covered under Illinois marketplace plans?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, mental health and substance use disorder services are essential benefits included in all ACA-compliant marketplace plans.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_can_I_get_free_help_with_the_enrollment_process\"><\/span><b>10. How can I get free help with the enrollment process?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Illinois provides certified navigators, local community organizations, and licensed agents (such as those at AHiX Marketplace) who can assist you with applications and plan selection at no cost.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Big news for Illinois residents: The state is changing how you shop for health insurance. Starting with the 2026 plan year, Illinois is moving from the federal marketplace, HealthCare.gov, to its own State-Based Health Insurance Exchange. This change means the state of Illinois will now manage its own online platform where people can compare and <a href=\"https:\/\/www.ahix.com\/blog\/state-of-illinois-health-insurance-exchange-guide\/\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":4,"featured_media":1961,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/posts\/1959"}],"collection":[{"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/comments?post=1959"}],"version-history":[{"count":2,"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/posts\/1959\/revisions"}],"predecessor-version":[{"id":1968,"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/posts\/1959\/revisions\/1968"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/media\/1961"}],"wp:attachment":[{"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/media?parent=1959"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/categories?post=1959"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ahix.com\/blog\/wp-json\/wp\/v2\/tags?post=1959"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}