Each state has its own Department of Insurance, which means health insurance pricing, and regulations can vary based on a state’s current laws and economy. This means that some states are more flexible in terms of health plans than others. So before you begin searching for insurance policies, it’s best to know what the options and requirements are in your area.

Illinois Health Insurance Options

Illinois is one of the six states that holds a partnership health insurance exchange with the federal government. This means that if you choose a qualified plan, you must enroll for coverage each year through HealthCare.Gov.

Citizens also have the option to opt for non-qualified alternatives, including temporary health insurance. For those who decide to go without coverage, note that Illinois does not implement the individual mandate requirement, which means that citizens do not have to pay a fine for going uninsured.

Qualified plans are compliant with the Affordable Care Act, which satisfies the ten Essential Health Benefits, a set of benefits that are guaranteed to cover specific healthcare costs without discriminating against age, gender, location, or lifestyle choices.

Non-qualified plans are less expensive plans that provide coverage for individuals and families. These plans do not comply with the federal government’s health insurance requirements and do not cover maternity, mental health, substance abuse or pre-existing conditions.

These plans can help cover individual, family, and short term healthcare costs.

Illinois Individual Health Insurance

Illinois individual health insurance is a type of coverage you purchase if you are only covering yourself or family. You can choose to purchase directly from qualified insurers, go through your employer, or apply for social insurance like Medicare or Medicaid. Under the new Medicaid Expansion, individuals over 65 years old who are up to 138% of the federal poverty level may qualify.

Under qualified plans, individuals can expect these average costs of premiums in Illinois:

  • Single Adult

    Single adult

  • Married Couple

    Married Couple


Alternatively, you could consider non-qualified plans. These plans still offer substantial coverage, with specifics varying by the policy. Find out the lowest cost for non-qualified insurance near you.

Illinois Family Health Insurance

Illinois family health insurance is ideal for families with at least one spouse and dependent. You can purchase coverage through a qualified insurer, your employer, or opt for non-qualified plans. Medicare does not cover dependents, and Medicaid is intended for seniors 65 years and older, so these are not viable options for families.

Here are the average costs of qualified premiums for Illinois families with children under 26 years old:

  • Health Maintenance Organization

    A married couple with one child

  • Health Maintenance Organization

    A married couple with two children

  • Health Maintenance Organization

    A married couple with three children


There are less expensive options to consider if you are low-income or only need certain types of coverage. For example, non-qualified insurance has much lower premiums that can cover the whole family.

Illinois Short Term Health Insurance

Illinois Short Term Health Insurance

Short term health insurance is intended to temporarily help cover medical costs in the event of an emergency. However, Illinois does not regulate this type, meaning short term insurance can only be renewed for up to 36 months (at the insurer’s discretion) at least six months after the most recent coverage period has expired.

Find the Right Plan Today

If you’re trying to stay within budget while finding the right coverage, then you already know that it can be an overwhelming process. The good news is that AHiX can do the work of searching for the right plan for you. AHiX Marketplace is an affordable exchange where you can browse for qualified and non-qualified plans so you can find the right coverage at the right price. Find your new policy today.

See Plans