We compared monthly premiums from all Illinois health insurance plans to determine the cheapest policy available in each metal tier and help you get started finding the best policy for your preferred level of coverage. The actual set of insurance companies and health plans offered will change depending on the county you live in, so those listed below may not be available where you live. But we recommend using these as a starting point to assess the benefits and cost sharing you expect for a given level of coverage as compared to a policy's rates.
Health insurance premiums are filed with and regulated by your state's Department of Insurance. Whether you buy from eHealthInsurance, your local agent, or directly from the health insurance company, you'll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan through eHealthInsurance and rest assured that you're getting the best available price.
Humana Inc. and its subsidiaries (collectively, “Humana”) comply with applicable federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. See our full accessibility rights information and language options.
The only way to get a marketplace plan or cost assistance is through your state’s Health Insurance Marketplace.  That being said, some major brokers and providers can help you find out if you qualify for subsidizes and some can help you enroll in a marketplace plan.  So in some cases you have your choice between getting help from your state’s marketplace or from an outside broker or agent.  The benefit to choosing an agent outside the marketplace (like us) is that they can present other non-marketplace plan options too.
One more tip: Consider opening a health savings account (HSA) if you go with a high-deductible plan, which are often called high deductible health plans (HDHP). You can sock away money in an HSA completely tax-free to help you pay for health care. Individuals can contribute up to $3,500 in 2019 as long as they are enrolled in a health care plan with a deductible of at least $1,350.
Medicaid works slightly differently in each state, but to be eligible, you must meet low-income guidelines. In many states, you’ll qualify for Medicaid if your income is 138 percent of federal poverty level or less. However, some states have stricter eligibility criteria. In those states, you must meet low-income guidelines and also be a member of a medically vulnerable group such as a pregnant woman, an elderly person, blind, disabled, or a child.
Another possibly cost-effective way to insure yourself is with a combo platter of sorts—but it could also become more complicated. You can try mixing traditional indemnity insurance, designed to pay a set daily benefit if you’re hospitalized or in an accident, with a short-term medical plan that can enable you to get to the doctor a few times a year for your more minor ailments.

Medicaid works slightly differently in each state, but to be eligible, you must meet low-income guidelines. In many states, you’ll qualify for Medicaid if your income is 138 percent of federal poverty level or less. However, some states have stricter eligibility criteria. In those states, you must meet low-income guidelines and also be a member of a medically vulnerable group such as a pregnant woman, an elderly person, blind, disabled, or a child.
An agent should help guide you toward the insurer most likely to accept you. Keep in mind that if you are rejected by one carrier, you will probably have to disclose that in future applications. An agent also should help you fill out the application. But make sure that you know what’s in the application and that it is accurate. If you make mistakes, you may give the insurer an opening to rescind your policy later.
eHealth is a free service, with an A+ rating from the Better Business Bureau, providing easy-to-use-and-understand plan finders and comparison tools. Plans sold through eHealth won't cost more than if you buy directly from one of our providers. eHealth will recommend plans that are best suited to your needs and budget, whether it's during the annual open enrollment period or if you have a qualifying life event. In certain states, eHealth can even help you apply for the Affordable Care Act tax credit offered by the government. eHealth is proudly invested in helping you with all your medical insurance questions and concerns, including:
Medicare insurance plans include coverage for hospital, medical, and some prescription drugs. Medicare supplemental insurance plans, also called Medigap, can help pay for your copays and deductibles. You can also explore Medicare Part D plans, which are a standalone prescription drug program offering coverage for medication costs. eHealth makes it easy to browse insurance plans in your area while advocating for you throughout the process. Guidance is available at no cost from more than 200 licensed insurance agents.
Virtual Visits, Powered by MDLIVE may not be available on all plans. Virtual Visits are subject to the terms and conditions of your benefit plan, including benefits, limitations, and exclusions. MDLIVE operates subject to state regulations and may not be available in certain states. MDLIVE is not an insurance product nor a prescription fulfillment warehouse. MDLIVE does not guarantee that a prescription will be written. MDLIVE does not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services.
Telemedicine enables health professionals to provide services to you remotely, at lower costs, if you don't require physical contact with a doctor or nurse. Instead of coming into an office, you can communicate with doctors and nurses online. Doctors can help and diagnose far more patients this way, which is why purchasing a plan through eHealth that covers telemedicine may be more convenient and affordable.
An independent health insurance agent may be able to help you find low cost health insurance coverage for you and your family that you can afford, especially if no one in your family has anything that is considered high risk to insure.  They also know of professional groups and organizations that membership can get you into a group plan that you may be easier to be accepted onto if anyone in your family has major health issues. 
Humana group medical plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin Health Organization Insurance Corporation, or Humana Health Plan of Texas, Inc., or insured by Humana Health Insurance Company of Florida, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company, Humana Insurance Company of Kentucky, or Humana Insurance of Puerto Rico, Inc. License # 00187-0009, or administered by Humana Insurance Company or Humana Health Plan, Inc. For Arizona residents, plans are offered by Humana Health Plan, Inc. or insured by Humana Insurance Company. Administered by Humana Insurance Company.
Where you live in Pennsylvania and your income will determine the best cheap health insurance plan available. Pennsylvania expanded Medicaid under the Affordable Care Act, so if your household income is up to 138% of the Federal Poverty Level, you'll qualify for this coverage in the state. For those that don't qualify for Medicaid, your best health insurance options will typically be through the state marketplace, particularly if you have a low household income. Many households can qualify for tax subsidies to help lower the cost of health insurance coverage for an exchange plan.
There’s another scenario where you might be able to get coverage if you missed the open enrollment period. You may qualify for a Special Enrollment Period. This happens after certain life events such as losing health coverage, moving, getting married, having a baby or adopting a child. But if this happens, you’ll need to apply within 60 days of that event, otherwise you’ll have to wait until the next open enrollment period.
Plans sold outside the marketplace are still categorized by metal tiers, and they still must offer the same minimum benefits to qualify as sufficient coverage under the Affordable Care Act. But you might find a plan with a wider network or a better price. Remember, though, you cannot qualify for tax credits for premium discounts when you buy outside the marketplace.
Qualified Health Plans (QHPs) are low cost health insurance plans available to individuals younger than 65 years of age. Eligibility is determined by your income level. When you’re enrolled you’ll receive help paying your monthly health insurance by Health Insurance Premiums with Tax Credits (HIPTC). These tax credits are used to decrease your monthly payment for your health insurance premium or you can receive your tax credit as a lump sum within your federal tax return. Qualified Health Plans (with or without HIPTC) can be purchased through the Washington Health Plan Finder. There are more than 80 different plans to choose from.

What if you're anticipating a significant change in medical expenses? Simply adjust your calculations to reflect your best guess as to what your medical costs might be over the coming year. Even if you don't expect a big change, it can be quite useful to perform some "what if" scenarios to evaluate the impact of much higher or much lower medical expenses than you've had in the past.

First-time purchasers should strongly consider consulting several independent agents before buying to compare their advice. To find an agent, ask friends or family members for recommendations. You can find agents who specialize in health insurance through the National Association of Health Underwriters. Online brokerages also typically have live agents available to answer questions by phone.
This guide will help compare differences between ACA compliant plans and Non-ACA plans. Non-ACA plans can save you a great deal of money and offer greater access to providers. Having said that, Non-ACA plans aren’t for everyone. If you have significant health issues and very specific needs you may need to stay in an ACA plan. Keep reading for more information.
Medicaid is a jointly-funded, Federal-State health insurance program that helps many people who can't afford medical care pay for some or all of their medical bills. Medicaid is available only to people with limited income. You must meet certain requirements to be eligible for Medicaid. Medicaid does not pay money to you; instead, it sends payments directly to your health care providers. Depending on your state's rules, you may also be asked to pay a small part of the cost (co-payment) for some medical services.
For a chosen tier of coverage, your age will directly impact the premiums you pay for health insurance. A 40-year-old would pay 28% more for health coverage than a 21-year-old would pay, which would translate to an additional $92 per month for a Bronze plan but $123 more for a Gold plan in Texas. However, that 40-year-old would pay 53% cheaper rates than what a 60-year-old would pay for the same coverage.
Regular eye exams are important to you and your family's health, and they can help detect health problems and other conditions, like diabetes and glaucoma. Our affordable vision plan provides coverage for exams and eyewear or contact lenses.  Like our dental plans, you can buy a stand-alone vision plan, or you can add vision coverage to a Medical Mutual individual health insurance plan.

Open Enrollment 2019 has already come to a close as of December 15, and Open Enrollment 2020 won’t start until November 1, but that doesn’t mean you can’t find cheap medical insurance right now! FirstQuote Health has put together a list of the cheapest medical insurance options that you can enroll in today. These plans will help you save money, while still giving you the peace of mind of being covered in the event of a medical emergency.

How much you'll pay for a particular health insurance policy in Illinois is determined by the number of people covered and their ages. If you add your children to your health insurance plan, each child will cost a flat rate for coverage up through the age of 14, after which their premium will increase with age. If your spouse is covered by your health insurance policy, their price is determined by age—the same as your cost of coverage.


Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Sirius International Insurance Corporation, United States Fire Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc., UnitedHealthcare of Washington, Inc.
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