Illinois health insurance 2027: prices, plans and free help

Illinois health insurance facts

Marketplace

Illinois runs its own state-based marketplace, Get Covered Illinois.Source

2027 open enrollment

Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 15, 2027 through Get Covered Illinois; enroll by Dec 15, 2026 for coverage that starts January 1.Source All states' 2027 dates.

Medicaid expansion

Illinois adopted Medicaid expansion (implemented January 1, 2014).Source

State insurance department

Illinois Department of Insurance. File complaints and check agent licenses here.Source

Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.

Average cost of health insurance in Illinois for 2027

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $707 a month for a 40-year-old in Illinois for 2027, before any credit. That is up 9% from $646 in 2026.Source

2027 benchmark silver price by age in Illinois

Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.

The 2026 Marketplace in Illinois, in numbers

For 2026, 448,568 Illinois residents picked a Marketplace plan during Open Enrollment, and 85.2% of them received an advance premium tax credit. The average premium was $816 a month per person before the credit and $230 after it, counting everyone who picked a plan. 21.8% paid $10 a month or less after the credit.Source State premium help paid by Illinois’s own exchange is not included in these figures.

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $646 a month for a 40-year-old in Illinois in 2026, before any credit.Source

Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients in Illinois actually paid each month is in health insurance cost by state.

Health insurance companies in Illinois for 2027

Illinois runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on Get Covered Illinois. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.

Cheap health insurance in Illinois: where the low prices are

Tax credits change the price most. For 2026, 85.2% of Illinois Marketplace enrollees got a premium tax credit, and 21.8% paid $10 a month or less after it.Source

Illinois expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.

Free, impartial help in Illinois

If you have Medicare or will soon: Illinois’s State Health Insurance Assistance Program (SHIP) is Senior Health Insurance Program (SHIP), 1-800-252-8966.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in Illinois

New to private coverage? Start with private health insurance in the USA.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• Families who want catastrophic-first coverage

We work with families across Illinois, including Chicago, Aurora, Naperville, Rockford and Springfield, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.

Illinois health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.