Illinois · ACA Marketplace plans
ACA Marketplace plans in Illinois
Looking for ACA marketplace health insurance in Illinois? Here is how this coverage lane works specifically for Illinois residents, what it costs, and how to get it.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
How it works here
ACA Marketplace plans, explained for Illinois.
Illinois residents buy ACA Marketplace plans through Get Covered Illinois. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.
Because Illinois runs a state-based marketplace, you enroll at Get Covered Illinois. Plans and prices are set at the county level across Illinois's 102 counties, so two neighbors in different counties can see different options.
Illinois expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.
Get Covered Illinois is the state-based marketplace for Illinois residents.
Illinois expanded Medicaid (Medical Assistance), so marketplace applications screen for public coverage first.
Cook County and collar counties often differ from downstate counties in issuer choice and specialist networks across 102 counties.
Illinois facts
- Marketplace
- Get Covered Illinois
- Medicaid expansion
- Adopted
- Uninsured rate
- ~7.0%
Open enrollment 2027
When Illinois can enroll.
- Most exchanges open
- Nov 1, 2026
- Most exchanges close
- Jan 15, 2027
- Get Covered Illinois dates
- Set by the state
- Confirm before you rely on a date
Illinois runs its own exchange. We do not have a state-specific date on file. Confirm with Get Covered Illinois before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
More in this state
Other coverage in Illinois.
- Health sharingMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is Open Enrollment in Illinois?
Illinois runs its own exchange, Get Covered Illinois, which sets its own dates. Most exchanges open Nov 1, 2026 and close Jan 15, 2027 for 2027 coverage; confirm the exact dates with Get Covered Illinois. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times of year.
Are Illinois Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Illinois?
Illinois uses Get Covered Illinois, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
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