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Oct 10, 2024 · Average premiums (30% of score): We calculated average premiums for health insurance companies that offer ACA plans in Illinois. Averages were based on premiums for buyers ages 21, 27, 30, 40, 50 ...
Sep 5, 2024 · COMPANY HIGHLIGHTS. MoneyGeek's top pick for the best health insurance in Illinois is MercyCare Health Plans. The provider offers three Silver HMO plans with an average monthly rate of $546. The average maximum out-of-pocket cost for these plans is $7,767. MercyCare features a low denial rate of 10%, lower than most of the competition.
Oct 29, 2024 · 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.
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BCBS of Illinois has great customer satisfaction and numerous marketplace plans — also called Affordable Care Act (ACA) plans — to choose from, so you can find the best coverage for your situation. It also has the cheapest Silver plan in the state. Plus, Blue Cross Blue Shield of Illinois and Aetna are the only two companies in the state that sell ...
If you live downstate, you may be better off with a plan from Blue Cross Blue Shield or Aetna. These companies have the most affordable rates for rural areas in Illinois.
The best health insurance plan for you depends on how much health care you need and how much you want to spend each month. It also changes based on where you livebecause some companies and plans are only available in part of the state.
If you can't afford a traditional health insurance plan, you have a few options to get low-cost medical insurance in Illinois.
Health insurance has gotten more expensive in Illinois. Silver plans, which are the most popular option in the state, are 8% more expensive for 2025 compared to 2024. No matter what plan tier you buy, you'll likely pay more than you did last year.
Adding a child to a Silver health insurance plan raises your rates by $410 per month, on average. But a child costs the same amount to cover until they turn 14. After that, their rates go up each year as they age. Adding an adult to your health insurance policy is more expensive, adding an average of $684 per month on a Silver plan.
In Illinois, you can choose between three types of health insurance networks: HMOs, PPOs and POS plans. HMOs and PPOsare the most common types of plans. HMOs are cheaper but require you to get a referral to see a specialist. You can also only use certain medical offices. Going to a doctor outside the plan's network means you have to pay the entire ...
COBRA costs an average of $722 per month in Illinois,while a Silver health insurance plan from the marketplace costs $684 per month, on average. A marketplace plan might not have the same coverage as your former employer's health insurance, but it's still good coverage. Unless you need a specific type of coverage that you can only get with COBRA, i...
Short-term health insurance plansin Illinois can't last longer than three months. You can renew your coverage for four months in total. So, if you get a policy that lasts three months, then you can buy one more month of coverage at the end of your plan.
2025 health insurance rates and plans in Illinois are from the Centers for Medicare & Medicaid Services (CMS) government website. Using the public use files (PUFs), rates were averaged across a variety of factors such as plan tier, county and family size. Plans and providers for which county-level data was included in the CMS Crosswalk file were us...
Sep 5, 2023 · Cheapest health plan in Illinois with low out-of-pocket maximums . The best health insurance plan in the state with high premiums and low out-of-pocket costs is the MercyCare HMO Gold Option C plan by MercyCare Health Plans. This costs an average of $469 per month for 40-year-olds. Cheapest health plan in Illinois with high out-of-pocket maximums
Dec 21, 2022 · A Bronze plan typically pays only 60% of the covered cost of each service, which means you’d need to pay the other 40%. For example, if your covered service is $1,000, a Bronze plan would cover $600, and you’d owe $400. The most affordable Bronze plan in Illinois costs $340 per month.
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PPO (Participating Provider Option) PPO plans often have higher out-of-pocket costs than other plans. Usually, you do not have to pick a regular doctor or get referral to see specialists. With a PPO plan, your insurance company will pay a portion of your out-of-network costs. This means you will have more freedom to choose doctors and hospitals ...
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