Health insurance for Illinoisans who buy their own.
We help Illinois adults who buy their own health coverage, whether you left a job, work for yourself, or retired before 65, compare Marketplace plans and other options.
Illinois plans we compare
What’s different about health insurance in Illinois.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Illinois FAQ- Illinois now runs its own Marketplace, Get Covered Illinois, so you no longer enroll through HealthCare.gov.
- Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027.
- Cigna and Molina leave the Illinois Marketplace after 2026; five insurers remain for 2027.
- Short-term health plans are banned in Illinois as of January 1, 2025.
- Illinois continuation lets you keep an insured group plan for 12 months, and a spouse 55 or older can keep it until Medicare.
- Illinois expanded Medicaid, so adults with income up to about 138% of the poverty level can qualify year-round.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Illinois's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Illinois, and what to use instead.
Learn moreWho sells plans in Illinois
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Illinois FAQ, or ask an agent at (888) 214-4898.
No. Starting with 2026 coverage, Illinois runs its own Marketplace called Get Covered Illinois. You apply, renew and get premium tax credits there instead of on HealthCare.gov.
Open enrollment runs from November 1, 2026 through January 15, 2027. You could start previewing 2027 plans and prices on October 19, 2026.
Illinois rates rose an average of 28.8% for 2026, after the extra federal tax credits expired. For 2027 the average increase is 14.1%. Your own price depends on your age, county, plan and income.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Illinois county, check your subsidy, and walk you through the options. No cost, no obligation.