Illinois Health Insurance

For Illinois residents, health insurance is the most logical method of keeping health care costs reasonable and predictable. A health insurance policy will give you the ability to pay a fixed premium in exchange for reliable care.

There are several factors to consider when choosing a health insurance policy that is right for you and your family. Here you’ll be able to get the information you are looking for while searching for health insurance in Illinois. You can also research important Illinois health insurance laws and regulations, high risk pools, and information on financial assistance.

Why not start your search today for Illinois health insurance by completing our simple form below? It’s free, it’s easy, and it will provide you with enough information to make an educated decision.

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Resources on this page

Health Insurance Information and Regulations in Illinois

Public Health Insurance Programs for Illinois Residents

Illinois Health Insurance High Risk Pools

Illinois Health Insurance Companies

Contact Info for the Illinois Department of Insurance and Public Health

Illinois Health Insurance Stats

Total Illinois Residents: 12,743,300
Illinois Health Care Expenditures (in millions): $87,112
Median Annual Household Income: $52,801
Households with at least 1 Full Time Worker: 5,955,300
Illinois Health Insurance Coverage based on Total Population:

• Employer: 50%
• Individual: 5%
• Medicaid: 17%
• Medicare: 13%
• Uninsured:15%

Avg. Annual Employee Premium in IL employer-sponsored plan (after employer contribution) $1,207
Avg. Monthly Illinois Individual Premiums: $203
Total Illinois HMO Enrollment: 1,441,086

For more information on Illinois, view additional details on Chicago health plans.

Health Insurance Information and Regulations in Illinois

There are several Illinois health insurance laws and regulations that protect policyholders living in the state.

All Illinois health insurance plans under state laws must cover certain medical care services. Those medical services include:

• Screening for breast, cervical, colorectal, and prostate cancer
• Certain diabetes-related care
• Continuity of care for pregnant women

Illinois health insurance law also requires mental health parity, which means mental health conditions must have the same coverage limits and maximums as physical conditions.

In addition, state law requires all Illinois health insurance plans to be guaranteed renewable no policy can be cancelled because a policyholder ages or becomes sick. For managed care Illinois health insurance plans such as HMOs and PPOs, however, residents must stay in their service area to have guaranteed renewable coverage.

Illinois policyholders can also be protected under the federal laws HIPAA and COBRA.

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Illinois Public Health Insurance Programs

There are a few different public Illinois health insurance programs to assist low-income residents in getting access to insurance coverage and health care. These programs include:

• Medicaid
  The Medicaid program in Illinois provides health care for some low-income residents and those with very high medical bills. To learn more and see if you qualify for Medicaid coverage, visit http://www.hfs.illinois.gov/.

• Illinois Comprehensive Health Insurance Plan (CHIP)
  If any Illinois resident is turned down for health insurance coverage because of a pre-existing condition, they may be eligible for the CHIP program. CHIP offers a managed care PPO plan. Learn more about Illinois health insurance program for children, CHIP, on its website.
  

• Illinois All Kids Program
  The Illinois All Kids program includes KidCare for children and pregnant women and children's Medicaid. Uninsured children under the age of 18 in low-income families qualify for All Kids coverage. To find out more about this Illinois health insurance program, visit the program's website.



• Illinois Medicare
  Seniors who are eligible for Medicare can find coverage through Medicare Advantage plans, Medicare Supplement plans or Original Medicare.
  
  

• Illinois Breast and Cervical Cancer Program
  Certain women living in Illinois who have been diagnosed with breast or cervical cancer may qualify for health care coverage for cancer and non-cancer-related medical care through Medicaid. For more information on IBCCP, visit them online.

Some workers and early retirees may qualify for the Federal Health Coverage Tax Benefit to help them purchase a plan for themselves and their families. To learn more, visit the Internal Revenue Service (IRS) online.

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Illinois Health Insurance High Risk Pools

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Illinois Legislature has formed the Illinois Pre-Existing Condition Insurance Plan (IPXP) for residents.

The IPXP is not a public program and enrollees will pay monthly premiums and out-of-pocket costs similar to normal Illinois health insurance plans.

Recipients of IPXP will pay around the same amount that people without pre-existing conditions pay on the private insurance market. Recipients cannot pay more based on gender ratings but may pay more due to age, geographic location and tobacco use.

People are eligible to enroll in the Illinois Pre-Existing Condition Insurance Plan if they are a United States citizen, have been uninsured for six months and have a medical condition.

Illinois Comprehensive Health Insurance Plan (ICHIP) is the existing Illinois health insurance high risk pool. ICHIP is more expensive than IPXP but residents are urged not to drop ICHIP coverage and apply for IPXP.

For more information on the Illinois health insurance high risk pools visit http://insurance.illinois.gov/.

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The following list of companies offer Illinois health insurance plans:

Indiana Department of Insurance and Public Health

Find the contact information for the Indiana health insurance and health departments at:

Go to Top of the Indiana Health Insurance Page