Cheapest Health Insurance in Illinois (2024 Plans)


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Switching metal tiers impacts health insurance rates. In Illinois, Oscar offers the most affordable Catastrophic and Gold plans, while Blue Cross Blue Shield provides the cheapest Expanded Bronze and Silver options. Health Alliance carries the least expensive Platinum tier.

If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek also analyzed the best health insurance plans in Illinois.

MoneyGeek Logo IconCheapestHealth InsuranceIllinois
2024

Why Trust MoneyGeek? We downloaded plan data for Illinois directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

201Plans Analyzed
 
22Providers Compared

Cheapest Health Insurance in Illinois by Metal Tier

Your monthly health insurance costs vary based on the metal tier you choose, with higher premiums usually leading to lower out-of-pocket expenses for care.

The most affordable option within the Silver tier in Illinois is the Blue FocusCare Silver℠ 210 offered by Blue Cross Blue Shield, highly sought after for its balance of cost and coverage at a monthly price of $379. For those willing to accept higher out-of-pocket expenses for a lower monthly premium, Bronze plans are a worthwhile consideration.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: Secure by Oscar ($260) — Only available to individuals under 30 or those with a qualifying hardship.
  • Expanded Bronze: Blue FocusCare Bronze℠ 209 by Blue Cross Blue Shield ($290)
  • Silver: Blue FocusCare Silver℠ 210 by Blue Cross Blue Shield ($379)
  • Gold: Gold Classic Standard by Oscar ($443)
  • Platinum: 2024 POS 0 Elite Platinum by Health Alliance ($942)

For more details on finding cheap health insurance plans that suit your budget and needs, visit MoneyGeek's comprehensive guide.

Data filtered by:Results filtered by:
Age:
Age:40
Expanded BronzeBlue FocusCare Bronze℠ 209Blue Cross Blue Shield$290$9,450
CatastrophicSecure Oscar$324$9,450
SilverBlue FocusCare Silver℠ 210Blue Cross Blue Shield$379$9,450
GoldGold Classic Standard Oscar$443$8,700
Platinum2024 POS 0 Elite PlatinumHealth Alliance$942$3,200
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WHAT ARE METAL TIERS?

In the Illinois health insurance marketplace, consumers choose from various metal tiers, each representing different coverage levels and the balance between monthly premiums and out-of-pocket costs.

Higher-tier plans like Gold and Platinum have pricier monthly premiums but lower out-of-pocket costs, benefiting those anticipating frequent or costly care. For instance, a Gold plan with a $443 monthly cost may have an $8,700 maximum out-of-pocket limit, while a Platinum plan at $942 per month caps expenses at $3,200.

Cost-sharing reductions (CSRs) on Silver plans assist individuals below 250% of the Federal Poverty Line, lowering deductibles and overall out-of-pocket spending. Despite a $379 monthly cost for the cheapest Silver plan in Illinois, eligible individuals can significantly reduce maximum out-of-pocket expenses with CSRs.

Cheapest Silver Plans in Illinois

Illinois residents seeking an affordable Silver tier health plan will find the Blue FocusCare Silver℠ 210 by Blue Cross Blue Shield to be the cheapest option, with a monthly cost of $379.

The three most affordable Silver health plans in Illinois are:

  • Blue FocusCare Silver℠ 210 from Blue Cross Blue Shield ($379 per Month)
  • Silver Classic Standard from Oscar ($409 per Month)
  • Silver Simple PCP Saver from Oscar ($412 per Month)

Silver plans are a good choice for customers who expect to require a moderate amount of services and desire a balance between monthly premiums and out-of-pocket costs. Those with lower incomes may qualify for cost-sharing reductions when they enroll in a Silver plan, which leads to lower deductibles, copayments and co-insurance. This ensures that essential health care is more accessible and affordable when it's needed.

Data filtered by:Results filtered by:
Age:
Age:40
Blue Cross Blue Shield$379$9,450Blue FocusCare Silver℠ 210
Oscar$409$9,100Silver Classic Standard
Oscar$412$8,900Silver Simple PCP Saver
Molina$414$9,100Silver 8
Molina$414$9,450Silver 12 with first 4 free PCP or MH visits
Molina$422$7,850Silver 1
Molina$426$7,850Silver 1 with Rx Copay and Adult Vision Services
Oscar$430$9,100Silver Elite Saver Plus Rx Copay
Oscar$439$9,100Silver Classic Standard
Oscar$442$8,900Silver Simple PCP Saver
Oscar$442$8,550Silver Simple Diabetes
Oscar$442$8,650Silver Classic
Cigna$447$9,100Connect Silver CMS Standard
Cigna$451$9,450Connect Silver 5000 Indiv Med Deductible
Cigna$453$9,100Connect Silver 3000 Indiv Med Deductible - Rx Copay
Oscar$460$9,100Silver Elite Saver Plus Rx Copay
Ambetter$464$5,400Clear Silver
Ambetter$467$9,100Standard Silver
UnitedHealthcare$469$9,100UHC Silver Virtual First (Disponible en espanol)
Blue Cross Blue Shield$473$9,450BlueCare Direct Silver℠ 212 with Advocate - Rx Copays
Ambetter$475$8,000Focused Silver
UnitedHealthcare$476$9,450UHC Silver Value
UnitedHealthcare$478$9,450UHC Silver Advantage
UnitedHealthcare$478$9,100UHC Silver Standard
Ambetter$479$5,400Clear Silver + Vision + Adult Dental
Ambetter$482$9,100Standard Silver + Vision + Adult Dental
Aetna$486$9,100Silver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Aetna$486$8,885Silver 5: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
UnitedHealthcare$489$9,450UHC Silver Copay Focus
Ambetter$491$8,000Focused Silver + Vision + Adult Dental
Aetna$497$8,445Silver 6: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
Aetna$498$8,845Silver 7: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
Blue Cross Blue Shield$499$9,450Blue Precision Silver HMO℠ 206
UnitedHealthcare$500$9,450UHC Silver Advantage+
Blue Cross Blue Shield$500$9,100BlueCare Direct Silver℠ 803 with Advocate
Ambetter$502$8,900Central Silver
Cigna$514$9,100Plus Silver CMS Standard
Ambetter$518$8,900Central Silver + Vision + Adult Dental
Blue Cross Blue Shield$520$9,450Blue Precision Silver HMO 704℠ - Rx Copays
Cigna$520$9,450Plus with Northwestern Medicine Silver 5000 Indiv Med Deductible
Cigna$522$9,100Plus with Northwestern Medicine Silver 3000 Indiv Med Ded - Rx Copay
Blue Cross Blue Shield$532$9,100Blue Precision Silver HMO℠ 706
MercyCare Health Plans$543$8,800MercyCare HMO Silver Option A
MercyCare Health Plans$545$9,100MercyCare HMO Silver Standard
MercyCare Health Plans$550$5,400MercyCare HMO Silver Option B
Quartz$563$9,100Quartz Performance Silver I303 Value Tier Rx - IL
Quartz$577$9,100Quartz Performance Silver I309 Standard - IL
Medica$587$8,850WellFirst by Medica Silver Copay PCP 4500X
Medica$590$9,100WellFirst by Medica Silver Standard 5900X
Quartz$595$9,400Quartz Performance Silver I308 Fixed Rx Copay - IL
Medica$599$9,450WellFirst by Medica Silver Copay Plus 4800X
Quartz$601$5,500Quartz Performance Silver I304 HSA - IL
Quartz$611$9,400Quartz Performance Silver I320 Value Tier Rx - IL
Quartz$611$9,400Quartz Performance Silver I308 Fixed Rx Copay w/Dental - IL
Medica$618$7,500WellFirst by Medica Silver HSA-E HDHP 3550X
Quartz$628$9,400Quartz Performance Silver I320 Value Tier Rx w/Dental - IL
Aetna$643$9,100Silver S PPO: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care
Aetna$659$8,850Silver 5 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Aetna$659$8,445Silver 6 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Aetna$660$8,845Silver 7 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Quartz$667$9,100Quartz One Silver I303 Value Tier Rx - IL
Blue Cross Blue Shield$672$9,450Blue Choice Preferred Silver PPO℠ 801 - Rx Copay
Blue Cross Blue Shield$681$9,450Blue Choice Preferred Silver PPO℠ 203
Quartz$685$9,100Quartz One Silver I309 Standard - IL
Blue Cross Blue Shield$687$9,100Blue Choice Preferred Silver PPO℠ 706
Health Alliance$697$9,1002024 POS 5900 Elite Silver
Quartz$706$9,400Quartz One Silver I308 Fixed Rx Copay - IL
Quartz$713$5,500Quartz One Silver I304 HSA - IL
Quartz$725$9,400Quartz One Silver I320 Value Tier Rx - IL
Quartz$725$9,400Quartz One Silver I308 Fixed Rx Copay w/Dental - IL
Health Alliance$733$8,6002024 POS 7250 Elite Silver
Quartz$745$9,400Quartz One Silver I320 Value Tier Rx w/Dental - IL
Health Alliance$767$8,7502024 POS 4200 Elite Silver

Cheapest Gold Plans in Illinois

The most affordable Gold tier policy in Illinois is the Gold Classic Standard plan offered by Oscar at a monthly cost of $443.

The three cheapest Gold plans in Illinois are:

  • Gold Classic Standard from Oscar ($443 per month)
  • Blue FocusCare Gold℠ 211 from Blue Cross Blue Shield ($459 per month)
  • Gold 1 from Molina ($477 per month)

Gold plans are ideal for individuals who anticipate needing a significant amount of medical care. Due to their well-balanced premiums and out-of-pocket costs, they are suited for those willing to pay higher monthly rates for more predictable expenses year-round. These plans offer a good value for customers who prefer lower copayments and a lower deductible, providing more financial security in case they encounter multiple or high-cost health care needs.

Data filtered by:Results filtered by:
Age:
Age:40
Oscar$443$8,700Gold Classic Standard
Blue Cross Blue Shield$459$9,450Blue FocusCare Gold℠ 211
Oscar$475$8,700Gold Classic Standard
Molina$477$8,100Gold 1
Molina$481$8,100Gold 1 with Adult Vision Services
Molina$495$8,700Gold 8 with Rx Copay
Cigna$524$8,700Connect Gold CMS Standard - Rx Copay
Aetna$528$8,700Gold S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Aetna$530$9,195Gold 3: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
UnitedHealthcare$531$8,400UHC Gold Virtual First (Disponible en espanol)
Ambetter$555$8,700Standard Gold
UnitedHealthcare$557$8,700UHC Gold Standard
Ambetter$559$7,500Everyday Gold
UnitedHealthcare$564$7,000UHC Gold Advantage
Blue Cross Blue Shield$565$9,450BlueCare Direct Gold℠ 409 with Advocate - Rx Copays
MercyCare Health Plans$566$8,700MercyCare HMO Gold Standard
UnitedHealthcare$566$7,000UHC Gold Copay Focus
Ambetter$569$5,500Central Gold
Blue Cross Blue Shield$572$8,700BlueCare Direct Gold℠ 804 with Advocate
Ambetter$573$8,700Standard Gold + Vision + Adult Dental
Ambetter$577$7,500Everyday Gold + Vision + Adult Dental
MercyCare Health Plans$577$3,200MercyCare HMO Gold Option B
UnitedHealthcare$587$7,000UHC Gold Advantage+
Ambetter$587$5,500Central Gold + Vision + Adult Dental
Ambetter$589$7,500Complete Gold
Blue Cross Blue Shield$594$9,450Blue Precision Gold HMO℠ 207
Blue Cross Blue Shield$598$8,700Blue Precision Gold HMO℠ 707
Cigna$606$8,700Plus Gold CMS Standard - Rx Copay
Blue Cross Blue Shield$608$9,450Blue Precision Gold HMO℠ 703 - Rx Copays
Ambetter$608$7,500Complete Gold + Vision + Adult Dental
Medica$633$4,900WellFirst by Medica Gold Copay PCP 3000X
Quartz$639$7,000Quartz Performance Gold I401 Value Tier Rx - IL
Medica$642$8,700WellFirst by Medica Gold Standard 1500X
Quartz$649$8,500Quartz Performance Gold I420 Value Tier Rx - IL
Ambetter$659$5,500Elite Gold
Quartz$665$3,500Quartz Performance Gold I403 HSA - IL
Quartz$674$9,000Quartz Performance Gold I402 Maintenance Value Tier Rx - IL
Quartz$679$8,700Quartz Performance Gold I410 Standard w/Fixed Rx Copay - IL
Ambetter$680$5,500Elite Gold + Vision + Adult Dental
Medica$681$5,700WellFirst by Medica Gold Copay Plus 1500X
Quartz$692$9,000Quartz Performance Gold I402 Maintenance Value Tier Rx w/Dental - IL
Quartz$698$8,700Quartz Performance Gold I410 Standard w/Fixed Rx Copay w/Dental - IL
Quartz$758$7,000Quartz One Gold I401 Value Tier Rx - IL
Aetna$760$8,700Gold S PPO: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care
Health Alliance$761$8,7002024 POS 1500 Elite Gold
Aetna$767$9,195Gold 3 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Quartz$769$8,500Quartz One Gold I420 Value Tier Rx - IL
Blue Cross Blue Shield$783$8,700Blue Choice Preferred Gold PPO℠ 707
Quartz$789$3,500Quartz One Gold I403 HSA - IL
Health Alliance$791$6,0002024 POS 2500 Elite Gold
Blue Cross Blue Shield$799$9,450Blue Choice Preferred Gold PPO℠ 204 - Rx Copays
Quartz$800$9,000Quartz One Gold I402 Maintenance Value Tier Rx - IL
Quartz$806$8,700Quartz One Gold I410 Standard w/Fixed Rx Copay - IL
Health Alliance$818$6,0002024 POS 1000 Elite Gold
Quartz$822$9,000Quartz One Gold I402 Maintenance Value Tier Rx w/Dental - IL
Quartz$828$8,700Quartz One Gold I410 Standard w/Fixed Rx Copay w/Dental - IL

Cheapest Expanded Bronze Plans in Illinois

In Illinois, the most affordable option in the Expanded Bronze tier is the Blue FocusCare Bronze℠ 209 from Blue Cross Blue Shield, with a monthly cost of $290.

The three cheapest Expanded Bronze plans in Illinois are:

  • Blue FocusCare Bronze℠ 209 from Blue Cross Blue Shield ($290 per Month)
  • Bronze Classic Standard from Oscar ($346 per Month)
  • Bronze Classic PCP Saver Plus Rx Copay from Oscar ($349 per Month)

Expanded Bronze plans are tailored for consumers who want lower monthly premiums while still having coverage for essential health benefits. They are suited for those who are relatively healthy and do not expect to need frequent medical care. The lower premium comes with higher out-of-pocket costs, which makes them ideal for customers willing to trade lower upfront costs for higher expenses when accessing health care services.

Data filtered by:Results filtered by:
Age:
Age:40
Blue Cross Blue Shield$290$9,450Blue FocusCare Bronze℠ 209
Oscar$346$9,400Bronze Classic Standard
Oscar$349$9,100Bronze Classic PCP Saver Plus Rx Copay
Oscar$354$9,100Bronze Classic 4700
Oscar$366$9,100Bronze Classic PCP Saver Plus Rx Copay
Oscar$368$8,900Bronze Classic
Oscar$370$9,400Bronze Classic Standard
Oscar$371$9,100Bronze Classic 4700
Blue Cross Blue Shield$374$9,400BlueCare Direct Bronze℠ 802 with Advocate
UnitedHealthcare$380$8,050UHC Bronze Value HSA
Oscar$383$9,450Bronze Elite + PCP Saver Plus
UnitedHealthcare$389$9,450UHC Bronze Virtual First (Disponible en espanol)
UnitedHealthcare$394$9,450UHC Bronze Value
Cigna$395$9,400Connect Bronze CMS Standard
Cigna$396$9,450Connect Bronze 6500 Indiv Med Deductible Enhanced Diabetes Care
UnitedHealthcare$396$9,400UHC Bronze Standard
Ambetter$403$9,400Standard Expanded Bronze
Cigna$404$9,450Connect Bronze 5000 Indiv Med Deductible - Rx Copay
Aetna$406$9,400Bronze S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Blue Cross Blue Shield$407$9,450BlueCare Direct Bronze℠ 401 with Advocate - Rx Copays
Oscar$411$9,450Bronze Elite + PCP Saver Plus
Ambetter$411$8,500Central Bronze
Aetna$411$9,395Bronze 1: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
Ambetter$414$9,250Everyday Bronze
Ambetter$416$9,400Standard Expanded Bronze + Vision + Adult Dental
UnitedHealthcare$419$9,450UHC Bronze Copay Focus
Blue Cross Blue Shield$424$9,450Blue Precision Bronze HMO℠ 701 - Rx Copays
Ambetter$424$8,500Central Bronze + Vision + Adult Dental
Cigna$427$9,450Connect Bronze 0 Indiv Med Deductible
Ambetter$427$9,250Everyday Bronze + Vision + Adult Dental
Blue Cross Blue Shield$432$9,450Blue Precision Bronze HMO℠ 205
Aetna$448$9,400Bronze 4: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Blue Cross Blue Shield$451$9,400Blue Precision Bronze HMO℠ 708
Cigna$457$9,400Plus Bronze CMS Standard
Medica$460$9,400WellFirst by Medica Bronze Standard 7500X
Cigna$468$9,450Plus with Northwestern Medicine Bronze 5000 Indiv Med Ded - Rx Copay
Medica$478$7,450WellFirst by Medica Bronze HSA-E HDHP 7450X
Quartz$480$9,450Quartz Performance Bronze I201 Value Tier Rx w/Fixed Copay - IL
Medica$481$9,400WellFirst by Medica Bronze Copay Plus 9400X
Quartz$482$9,400Quartz Performance Bronze I206 Standard - IL
Ambetter$491$9,250Elite Bronze
Quartz$493$7,250Quartz Performance Bronze I203 HSA - IL
Blue Cross Blue Shield$497$9,450Blue Choice Preferred Bronze PPO℠ 701 - Rx Copays
Aetna$498$9,400Bronze S PPO: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care
Quartz$502$9,450Quartz Performance Bronze I204 Value Tier Rx - IL
Quartz$505$9,450Quartz Performance Bronze I205 Value Tier Rx - IL
Aetna$505$9,395Bronze 1 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Ambetter$506$9,250Elite Bronze + Vision + Adult Dental
Quartz$516$9,450Quartz Performance Bronze I204 Value Tier Rx w/Dental - IL
Quartz$519$9,450Quartz Performance Bronze I205 Value Tier Rx w/Dental - IL
Blue Cross Blue Shield$525$9,450Blue Choice Preferred Bronze PPO℠ 601 - Rx Copays
Blue Cross Blue Shield$537$9,450Blue Choice Preferred Bronze PPO℠ 201
Health Alliance$538$7,1002024 POS HSA 7100 Elite Bronze
Health Alliance$546$9,4002024 POS 7500 Elite Bronze
Aetna$550$9,400Bronze 4 PPO: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care
Health Alliance$558$9,0002024 POS 6500 Elite Bronze
Quartz$570$9,450Quartz One Bronze I201 Value Tier Rx w/Fixed Copay - IL
Quartz$572$9,400Quartz One Bronze I206 Standard - IL
Quartz$585$7,250Quartz One Bronze I203 HSA - IL
Quartz$595$9,450Quartz One Bronze I204 Value Tier Rx - IL
Blue Cross Blue Shield$596$7,500Blue Choice Preferred Bronze PPO℠ 202
Blue Cross Blue Shield$597$9,400Blue Choice Preferred Bronze PPO℠ 708
Quartz$599$9,450Quartz One Bronze I205 Value Tier Rx - IL
Quartz$612$9,450Quartz One Bronze I204 Value Tier Rx w/Dental - IL
Quartz$615$9,450Quartz One Bronze I205 Value Tier Rx w/Dental - IL

Cheapest Catastrophic Plans in Illinois

The most affordable plan within the Catastrophic tier in Illinois is Secure by Oscar, costing $260 per month.

The three most affordable health Catastrophic plans in Illinois are:

  • Secure from Oscar ($260 per month)
  • WellFirst by Medica Catastrophic Safety Net from Medica ($265 per month)
  • Quartz Performance Catastrophic I101 - IL from Quartz ($284 per month)

Catastrophic plans cater to adults under 30 or people with hardship exemptions. While these plans offer low premiums, they come with high out-of-pocket costs, making them ideal for those aiming to reduce monthly expenses while maintaining coverage for significant medical events. However, they are not recommended for consumers with regular medical visits or frequent prescription needs.

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Age:26
Oscar$260$9,450Secure
Medica$265$9,450WellFirst by Medica Catastrophic Safety Net
Quartz$284$9,450Quartz Performance Catastrophic I101 - IL
Health Alliance$335$9,4502024 HMO 9450 Elite Catastrophic
Quartz$337$9,450Quartz One Catastrophic I101 - IL
Blue Cross Blue Shield$396$9,450Blue Choice Preferred Security PPO℠ 200

Cheapest Platinum Plans in Illinois

The most affordable Platinum tier health plan in Illinois is the 2024 POS 0 Elite Platinum offered by Health Alliance at a monthly cost of $942.

Platinum plans cater to customers who expect high medical usage and prefer paying more upfront in premiums to reduce costs at the point of care. They provide comprehensive coverage with the lowest out-of-pocket costs when accessing health care services. These plans are particularly beneficial for individuals with chronic conditions or those who anticipate needing frequent medical attention.

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Age:40
Health Alliance$942$3,2002024 POS 0 Elite Platinum

Cheapest Health Insurance in Illinois for Those With Low Income

Illinois residents earning 250% below the Federal Poverty Level are eligible for cost-sharing reductions (CSRs) on Silver plans, which make health care more affordable by reducing deductibles and out-of-pocket expenses.

For individuals with an annual income between $14,580 and $21,870, the most affordable option is the Blue FocusCare Silver℠ 210 from Blue Cross Blue Shield with a maximum out-of-pocket cost of $1,500.

The top two cheapest Silver plan options are:

  • Blue FocusCare Silver℠ 210 from Blue Cross Blue Shield (Monthly Cost: $379, Maximum Out-of-Pocket: $1,500)
  • Silver Classic Standard from Oscar (Monthly Cost: $409, Maximum Out-of-Pocket: $1,800)

In Illinois, CSRs are available only with the purchase of a Silver plan. The mentioned income figures are for single individuals and vary with household size.

Data filtered by:Results filtered by:
Age:
Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
Blue Cross Blue Shield$379$1,500Blue FocusCare Silver℠ 210
Oscar$409$1,800Silver Classic Standard
Oscar$412$1,550Silver Simple PCP Saver
Molina$414$1,800Silver 8
Molina$414$3,150Silver 12 with first 4 free PCP or MH visits
Molina$422$1,650Silver 1
Molina$426$1,650Silver 1 with Rx Copay and Adult Vision Services
Oscar$430$1,300Silver Elite Saver Plus Rx Copay
Oscar$439$1,800Silver Classic Standard
Oscar$442$1,550Silver Simple PCP Saver
Oscar$442$1,200Silver Simple Diabetes
Oscar$442$1,550Silver Classic
Cigna$447$1,800Connect Silver CMS Standard
Cigna$451$1,000Connect Silver 5000 Indiv Med Deductible
Cigna$453$1,200Connect Silver 3000 Indiv Med Deductible - Rx Copay
Oscar$460$1,300Silver Elite Saver Plus Rx Copay
Ambetter$464$550Clear Silver
Ambetter$467$1,800Standard Silver
UnitedHealthcare$469$900UHC Silver Virtual First (Disponible en espanol)
Blue Cross Blue Shield$473$2,000BlueCare Direct Silver℠ 212 with Advocate - Rx Copays
Ambetter$475$1,350Focused Silver
UnitedHealthcare$476$1,300UHC Silver Value
UnitedHealthcare$478$1,400UHC Silver Advantage
UnitedHealthcare$478$1,800UHC Silver Standard
Ambetter$479$550Clear Silver + Vision + Adult Dental
Ambetter$482$1,800Standard Silver + Vision + Adult Dental
Aetna$486$1,800Silver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Aetna$486$1,275Silver 5: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
UnitedHealthcare$489$1,400UHC Silver Copay Focus
Ambetter$491$1,350Focused Silver + Vision + Adult Dental
Aetna$497$745Silver 6: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
Aetna$498$895Silver 7: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
Blue Cross Blue Shield$499$2,000Blue Precision Silver HMO℠ 206
UnitedHealthcare$500$1,400UHC Silver Advantage+
Blue Cross Blue Shield$500$1,800BlueCare Direct Silver℠ 803 with Advocate
Ambetter$502$800Central Silver
Cigna$514$1,800Plus Silver CMS Standard
Ambetter$518$800Central Silver + Vision + Adult Dental
Blue Cross Blue Shield$520$2,000Blue Precision Silver HMO 704℠ - Rx Copays
Cigna$520$1,000Plus with Northwestern Medicine Silver 5000 Indiv Med Deductible
Cigna$522$1,200Plus with Northwestern Medicine Silver 3000 Indiv Med Ded - Rx Copay
Blue Cross Blue Shield$532$1,800Blue Precision Silver HMO℠ 706
MercyCare Health Plans$543$2,800MercyCare HMO Silver Option A
MercyCare Health Plans$545$1,800MercyCare HMO Silver Standard
MercyCare Health Plans$550$550MercyCare HMO Silver Option B
Quartz$563$1,400Quartz Performance Silver I303 Value Tier Rx - IL
Quartz$577$1,800Quartz Performance Silver I309 Standard - IL
Medica$587$950WellFirst by Medica Silver Copay PCP 4500X
Medica$590$1,800WellFirst by Medica Silver Standard 5900X
Quartz$595$1,250Quartz Performance Silver I308 Fixed Rx Copay - IL
Medica$599$750WellFirst by Medica Silver Copay Plus 4800X
Quartz$601$525Quartz Performance Silver I304 HSA - IL
Quartz$611$900Quartz Performance Silver I320 Value Tier Rx - IL
Quartz$611$1,250Quartz Performance Silver I308 Fixed Rx Copay w/Dental - IL
Medica$618$1,500WellFirst by Medica Silver HSA-E HDHP 3550X
Quartz$628$900Quartz Performance Silver I320 Value Tier Rx w/Dental - IL
Aetna$643$1,800Silver S PPO: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care
Aetna$659$1,275Silver 5 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Aetna$659$745Silver 6 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Aetna$660$895Silver 7 PPO: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care + Rx Copay
Quartz$667$1,400Quartz One Silver I303 Value Tier Rx - IL
Blue Cross Blue Shield$672$800Blue Choice Preferred Silver PPO℠ 801 - Rx Copay
Blue Cross Blue Shield$681$900Blue Choice Preferred Silver PPO℠ 203
Quartz$685$1,800Quartz One Silver I309 Standard - IL
Blue Cross Blue Shield$687$1,800Blue Choice Preferred Silver PPO℠ 706
Health Alliance$697$1,8002024 POS 5900 Elite Silver
Quartz$706$1,250Quartz One Silver I308 Fixed Rx Copay - IL
Quartz$713$525Quartz One Silver I304 HSA - IL
Quartz$725$900Quartz One Silver I320 Value Tier Rx - IL
Quartz$725$1,250Quartz One Silver I308 Fixed Rx Copay w/Dental - IL
Health Alliance$733$7002024 POS 7250 Elite Silver
Quartz$745$900Quartz One Silver I320 Value Tier Rx w/Dental - IL
Health Alliance$767$8002024 POS 4200 Elite Silver
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) lower the amount you pay for deductibles, co-insurance and copayments on Silver health insurance plans. Individuals earning between 100% and 250% of the Federal Poverty Level qualify.

For example, under the Blue FocusCare Silver℠ 210 plan, a person with a 94% actuarial value (AV) level Silver plan has a maximum out-of-pocket cost of $1,500, while someone with a 73% AV level Silver plan faces a higher cap of $7,550.

Cheapest Health Insurance in Illinois by Plan Type

The Health Maintenance Organization (HMO) is the most popular health plan type in Illinois.

The cheapest HMO plan in Illinois is the Blue FocusCare Silver℠ 210 from Blue Cross Blue Shield, which costs $379 per month.

  • HMO: Blue FocusCare Silver℠ 210 from Blue Cross Blue Shield ($379)
  • POS: 2024 POS 5900 Elite Silver from Health Alliance ($697)
  • PPO: Silver S PPO: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care from Aetna ($643)

While HMO plans are the most popular in the state, residents can also enjoy the flexibility of Preferred Provider Organizations (PPOs), providing a broader network of providers with less need for referrals. Alternatively, they can find a balance in Point-of-Service (POS) plans, combining features from both HMO and PPO plans.

Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:HMO
Blue Cross Blue Shield$379$9,450Blue FocusCare Silver℠ 210
Oscar$409$9,100Silver Classic Standard
Oscar$412$8,900Silver Simple PCP Saver
Molina$414$9,100Silver 8
Molina$414$9,450Silver 12 with first 4 free PCP or MH visits
Molina$422$7,850Silver 1
Molina$426$7,850Silver 1 with Rx Copay and Adult Vision Services
Oscar$430$9,100Silver Elite Saver Plus Rx Copay
Oscar$439$9,100Silver Classic Standard
Oscar$442$8,900Silver Simple PCP Saver
Oscar$442$8,550Silver Simple Diabetes
Oscar$442$8,650Silver Classic
Cigna$447$9,100Connect Silver CMS Standard
Cigna$451$9,450Connect Silver 5000 Indiv Med Deductible
Cigna$453$9,100Connect Silver 3000 Indiv Med Deductible - Rx Copay
Oscar$460$9,100Silver Elite Saver Plus Rx Copay
Ambetter$464$5,400Clear Silver
Ambetter$467$9,100Standard Silver
UnitedHealthcare$469$9,100UHC Silver Virtual First (Disponible en espanol)
Blue Cross Blue Shield$473$9,450BlueCare Direct Silver℠ 212 with Advocate - Rx Copays
Ambetter$475$8,000Focused Silver
UnitedHealthcare$476$9,450UHC Silver Value
UnitedHealthcare$478$9,450UHC Silver Advantage
UnitedHealthcare$478$9,100UHC Silver Standard
Ambetter$479$5,400Clear Silver + Vision + Adult Dental
Ambetter$482$9,100Standard Silver + Vision + Adult Dental
Aetna$486$9,100Silver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Aetna$486$8,885Silver 5: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
UnitedHealthcare$489$9,450UHC Silver Copay Focus
Ambetter$491$8,000Focused Silver + Vision + Adult Dental
Aetna$497$8,445Silver 6: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
Aetna$498$8,845Silver 7: Aetna network of doctors + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 + Rx Copay
Blue Cross Blue Shield$499$9,450Blue Precision Silver HMO℠ 206
UnitedHealthcare$500$9,450UHC Silver Advantage+
Blue Cross Blue Shield$500$9,100BlueCare Direct Silver℠ 803 with Advocate
Ambetter$502$8,900Central Silver
Cigna$514$9,100Plus Silver CMS Standard
Ambetter$518$8,900Central Silver + Vision + Adult Dental
Blue Cross Blue Shield$520$9,450Blue Precision Silver HMO 704℠ - Rx Copays
Cigna$520$9,450Plus with Northwestern Medicine Silver 5000 Indiv Med Deductible
Cigna$522$9,100Plus with Northwestern Medicine Silver 3000 Indiv Med Ded - Rx Copay
Blue Cross Blue Shield$532$9,100Blue Precision Silver HMO℠ 706
MercyCare Health Plans$543$8,800MercyCare HMO Silver Option A
MercyCare Health Plans$545$9,100MercyCare HMO Silver Standard
MercyCare Health Plans$550$5,400MercyCare HMO Silver Option B
Quartz$563$9,100Quartz Performance Silver I303 Value Tier Rx - IL
Quartz$577$9,100Quartz Performance Silver I309 Standard - IL
Medica$587$8,850WellFirst by Medica Silver Copay PCP 4500X
Medica$590$9,100WellFirst by Medica Silver Standard 5900X
Quartz$595$9,400Quartz Performance Silver I308 Fixed Rx Copay - IL
Medica$599$9,450WellFirst by Medica Silver Copay Plus 4800X
Quartz$601$5,500Quartz Performance Silver I304 HSA - IL
Quartz$611$9,400Quartz Performance Silver I320 Value Tier Rx - IL
Quartz$611$9,400Quartz Performance Silver I308 Fixed Rx Copay w/Dental - IL
Medica$618$7,500WellFirst by Medica Silver HSA-E HDHP 3550X
Quartz$628$9,400Quartz Performance Silver I320 Value Tier Rx w/Dental - IL
Quartz$667$9,100Quartz One Silver I303 Value Tier Rx - IL
Quartz$685$9,100Quartz One Silver I309 Standard - IL
Quartz$706$9,400Quartz One Silver I308 Fixed Rx Copay - IL
Quartz$713$5,500Quartz One Silver I304 HSA - IL
Quartz$725$9,400Quartz One Silver I320 Value Tier Rx - IL
Quartz$725$9,400Quartz One Silver I308 Fixed Rx Copay w/Dental - IL
Quartz$745$9,400Quartz One Silver I320 Value Tier Rx w/Dental - IL
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

Each plan type has its own cost balance, flexibility and network restrictions. When choosing a plan, you should consider your health care needs, preferences for provider access and budget constraints. Here's a comparison of the different health insurance plan types you might find in Illinois:

Health Maintenance Organization (HMO)

  • Pros: HMO plans typically have lower premiums and out-of-pocket costs compared to other types. They require members to stay within a network of physicians and hospitals to receive care (except in emergencies).
  • Cons: Out-of-network care is usually not covered unless it's an emergency. Members often need referrals from their primary care physician to see specialists.

Preferred Provider Organization (PPO)

  • Pros: PPO plans offer more flexibility by allowing members to see both in-network and out-of-network providers without a referral. They often have larger provider networks than HMOs.
  • Cons: These plans usually come with higher premiums, and out-of-pocket costs can add up quickly if using out-of-network services. Members will receive the best price by staying within the PPO network.

Point-of-Service (POS)

  • Pros: POS plans are a hybrid of HMO and PPO plans, providing more flexibility than HMOs (as they do cover some out-of-network care) but with lower out-of-pocket costs than a typical PPO.
  • Cons: You might need a referral from your primary care doctor to see a specialist, even within the network. Out-of-pocket expenses may increase when utilizing out-of-network services as opposed to in-network providers.

Cheapest Health Insurance in Illinois by County

Health insurance rates and availability of certain plans vary by county in Illinois.

Comparing the most affordable plans in the largest and smallest counties by population shows this variation:

  • Cook: Blue FocusCare Silver℠ 210 from Blue Cross Blue Shield ($379)
  • Calhoun: Silver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 from Aetna ($570)

The following table displays all available plans in each county in Illinois.

Data filtered by:Results filtered by:
County:
County:Cook
Blue Cross Blue Shield$379$9,450Blue FocusCare Silver℠ 210
Aetna$401$9,100Silver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7

Health Insurance Costs in Illinois by Age and Metal Tier

In Illinois, health insurance rates within metal tiers change based on age. A Silver plan costs an 18-year-old $455, while a 60-year-old pays $1,354 for the same kind of plan. The difference in price is $899.

Metal tiers affect the price of health insurance, too. A Bronze plan for a 40-year-old costs $506, but a Gold plan is higher, at $722. Choosing a Gold plan over Bronze can add $216 to monthly expenses.

Health Insurance Costs in Illinois by Age and Metal Tier

What to Know About Health Insurance in Illinois

MoneyGeek broke down the health insurance choices in Illinois. We show you private insurance plans from the marketplace and their metal levels, Medicaid and Medicare. Our goal is to help you understand your options for health care so you can make smart choices.

Private Health Insurance in the Illinois Marketplace

In Illinois, the open enrollment period for private health insurance typically runs from November 1 to January 15. During this time, residents can shop for, compare and enroll in health insurance plans through the state's marketplace or directly from insurers. It is the primary window when individuals can buy or change their insurance without a qualifying event. If you miss the open enrollment deadline, you may still get coverage if you experience a qualifying life event, such as marriage, divorce, birth of a child or loss of other coverage, which triggers a Special Enrollment Period (SEP). Otherwise, you must wait until the next open enrollment period to sign up.

Medicaid in Illinois

Medicaid is a joint federal and state program that provides health care coverage to eligible low-income adults, children, pregnant women, elders and people with disabilities. Eligibility for Medicaid is determined based on income, household size, family status, disability status and other factors. Individuals and families earning up to 138% of the Federal Poverty Level may qualify. Other criteria include residency and citizenship status. Specific rules can vary, with children, pregnant women and some seniors and disabled persons having higher income thresholds. Coverage includes doctor visits, hospital stays, long-term medical care and additional health services.

Medicare in Illinois

Medicare is a federal health insurance program for individuals aged 65 and older. However, younger individuals with certain disabilities or end-stage renal disease may also qualify. In Illinois, residents who meet these conditions are eligible. Medicare has four parts: Part A (hospital insurance), which covers inpatient stays and hospice care; Part B (medical insurance), covering outpatient services and preventative care; Part C (Medicare Advantage Plans), an alternative to Original Medicare that bundles Parts A, B and often D, and usually includes extra benefits; and Part D, which provides prescription drug coverage.

MoneyGeek found the best Medicare Advantage Plans in Illinois and the best Medicare Supplement plans in Illinois.

FAQ About the Most Affordable Illinois Health Insurance

When looking for health insurance, you may have questions about cost and availability. MoneyGeek answered some frequently asked questions about cheap private health insurance in Illinois to help you learn more.

What are the cheapest Silver and Gold plans in Illinois for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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