The insurers and health plans offered on the Illinois health insurance marketplace will vary depending on the county where you reside. To help you find the best cheap health insurance policy for your family, we analyzed all plans in the state and identified the most affordable option in every county. Below, you can check out sample monthly rates for each of the health plans.
One of the most popular plans through eHealth, short-term health insurance provides coverage for a fixed period of time (three months to three years). Short-term health insurance is typically 80% cheaper than most medical plans, but may have limited benefits. Short-term plans won't cover maternity leave, mental health, substance abuse, and pre-existing conditions.
There are several exemptions from the fee that may apply to people who have no income or very low incomes. See the full list of exemptions for 2018. If you have an exemption, you don’t need to pay the fee for being uncovered when you file 2018 taxes in the spring. Note: Starting with the 2019 plan year (for which you’ll file taxes in April 2020), the fee no longer applies. You won't need an exemption for 2019 and beyond.
Medicare is a Federal health insurance program for people 65 years or older, certain people with disabilities, and people with end-stage renal disease (ESRD). Medicare has two parts: Part A, which is hospital insurance, and Part B, which is medical insurance. For information on Medicare, visit the website at or call toll free 1-800-MEDICARE (1-800-633-4227).
Medicare/Medicaid – Medicare and Medicaid are both federal entitlement programs that are jointly funded by the states and federal government and is managed by the states.  It is available for low-income parents, children, seniors, and people with disabilities.  To be eligible you have to be a United States Citizen and meet eligibility requirements that are not only dependent on your income but on your assets as well. 
When you have employer-sponsored health insurance, your employer usually pays part of the monthly premiums and you pay part of the monthly premiums. Your share of the premiums are deducted from your paycheck automatically so you don’t have to remember to pay each month. In most cases, this payroll deduction is taken out of your paycheck before your income taxes are calculated; this way, you’re not paying income taxes on the money you spent on health insurance premiums.
We are certified as “in-person assisters” by the Washington State Health Benefit Exchange. Regardless of your financial situation, we are here to guide you through the system and help you understand and apply for health insurance. Visit our online Benefit Finder or call the WithinReach Family Health Hotline at 1-800-322-2588 today to get started. Or, read on to learn more about health insurance.
The higher metal tier health plans, such as Gold and Platinum tiers, come with higher premiums, but significantly lower out of pocket expenses, such as deductibles, copays and coinsurance. Therefore, they're typically a more cost-effective option if you expect to have consistent or high medical expenses. For instance, people with consistent prescription needs may want to consider Gold and Platinum plans that have cheap out-of-pocket expenses for prescription drugs.
When you have employer-sponsored health insurance, your employer usually pays part of the monthly premiums and you pay part of the monthly premiums. Your share of the premiums are deducted from your paycheck automatically so you don’t have to remember to pay each month. In most cases, this payroll deduction is taken out of your paycheck before your income taxes are calculated; this way, you’re not paying income taxes on the money you spent on health insurance premiums.
Apply for California health insurance coverage at eHealthInsurance. We offer thousands of health plans underwritten by more than 180 of the nation’s health insurance companies. Compare California health plans side by side, get health insurance quotes, apply online and find affordable health insurance today. You can read more about the Affordable Care Act in our Obamacare Resource Center.
Due to these factors and others, a growing trend is for individuals to either partially or fully pay for their own health insurance.  Even if employer-based group health insurance is still an option for you, you may wonder if you should purchase health insurance on your own, buying what is called Individual Health Insurance, or Personal Health Insurance.
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
Bronze and Catastrophic plans are best for the young and healthy: At the cheapest end of the premium spectrum are the Bronze and Catastrophic plans. These plans, while cheap in terms of premiums, come with high out-of-pocket costs, often with deductibles and out-of-pocket maximums near the highest allowable by law. In 2019, this is $7,900 for an individual and $15,800 for a household. Consumers might find the lower premiums very appealing, but keep in mind these plans will generally offer nothing until you've paid thousands of dollars in expenses first. This could be problematic if you don't have any disposable savings should you find yourself in need of moderate medical care. In such cases, you would effectively pay for the costs yourself. The Bronze and Catastrophic plans really help out in cases of significant emergencies where care will cost tens or hundreds of thousands of dollars.
The higher metal tier health plans, such as Gold and Platinum tiers, come with higher premiums, but significantly lower out of pocket expenses, such as deductibles, copays and coinsurance. Therefore, they're typically a more cost-effective option if you expect to have consistent or high medical expenses. For instance, people with consistent prescription needs may want to consider Gold and Platinum plans that have cheap out-of-pocket expenses for prescription drugs.
Generally, the less you pay out-of-pocket for the deductible, co-payments and co-insurance, the more you pay in premiums for the coverage. So, in this case, Platinum plans will charge higher premiums than the other three plans, but you won't pay as much if you need healthcare services. Bronze, meanwhile, has the lowest premiums, but the highest out-of-pocket costs. 
The insurers and health plans offered on the Illinois health insurance marketplace will vary depending on the county where you reside. To help you find the best cheap health insurance policy for your family, we analyzed all plans in the state and identified the most affordable option in every county. Below, you can check out sample monthly rates for each of the health plans.

If you define cheap as the least amount to pay every month -- the lowest premium -- just for having insurance, then you may want to check out a "catastrophic" plan. This type of plan often has low premiums. It covers 3 office visits a year and will also provide free preventive health services. After that, you must meet your deductible before your insurance will provide any coverage.
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.
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