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.

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.

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Frequently asked questions

When is Open Enrollment in Illinois?
Illinois follows Marketplace Open Enrollment in late fall for coverage starting January 1; Get Covered Illinois may set slightly different dates. A qualifying life event opens a Special Enrollment Period any time 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.

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