How to get health insurance in illinois

Below is a snapshot of the lowest SHOP premiums available in Illinois. Employers with between 1 and 50 full-time equivalent employees can offer insurance through SHOP.

Premiums shown are total costs per employee per month. You can share the cost of these premiums with your employees, if you wish.

Enrollee Age	Bronze	Silver	Gold	Platinum
Enrollee Age up to 20	$244.83	$256.60	$307.57	$391.08
Enrollee Age 21	$246.25	$281.05	$336.88	$428.35
Enrollee Age 30	$279.49	$318.99	$382.36	$486.18
Enrollee Age 40	$314.71	$359.18	$430.53	$547.43
Enrollee Age 50	$439.80	$501.96	$601.67	$765.03
Enrollee Age 60	$668.32	$762.77	$914.29	$1162.54

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Next steps

See if you can pay even less. If you have fewer than 25 employees making less than an average of $50,000 per year, you may qualify for a tax credit worth up to 50% of your contribution to employees’ premiums. Use our Premium Tax Credit Estimator.
Want some help? Find a SHOP agent or broker. Visit Find Local Help to find a SHOP-registered agent or broker in your area. Using an agent or broker won’t cost you more and can make the process easier.

Questions? Contact the SHOP Call Center 1-800-706-7893 (TTY 711) Mon- Fri 9 a.m. - 5 p.m. ET.

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As of July 2020, there were 2,265,369 Illinois residents enrolled in Medicare. Read more about Medicare in Illinois, including details about the available private plans and the state’s rules for Medigap plans.

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Protect yourself from the soaring costs of dental procedures. Compare plan options to see premiums and deductibles that fit your budget.

Compare dental plans.

This section of the website will tell you how to apply for health coverage through Medicaid or the Marketplace.

There are two main types of health coverage this website will help you understand, apply for, and use – Medicaid and Marketplace insurance. If you know which program you are eligible for, click one of the buttons below to get started.

If you don’t know which program you should choose, keep reading.

Medicaid is a health insurance program from the state that provides coverage to millions of people in Illinois, including most low-income people, families and children, pregnant women, the elderly, and people with disabilities.

The Health Insurance Marketplace, or “the Marketplace,” is the website where you can shop for and buy discounted health insurance. Illinois residents use HealthCare.gov to find health insurance plans on the Marketplace.

In Illinois, the best way to find out which program you might be eligible for is to use the screening tool on the Marketplace.

You can also check if you are eligible for Medicaid by using the State of Illinois’ Application for Benefits Eligibility (ABE) screening tool, under “Check if I should Apply.”

If you still aren’t sure if you should apply for insurance from the Marketplace or Medicaid, don’t worry- both applications will ask you questions to get the information needed to find out which program is right for you. If you apply for the wrong program, your application will be sent to the right place. However, this may take longer. You can always contact a Navigator or Assister to set up a free appointment for in-person help.