Health insurance prices in Illinois (2026)
285 marketplace plans from 7 insurers across 101 counties. Official marketplace: Get Covered Illinois.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $329–$848 (typical $466) · Silver $497–$1,328 (typical $665) · Gold $410–$1,023 (typical $580) · Catastrophic $315–$817 (typical $640)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 101) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 5 | 7 | $444 Gold | no Bronze | $542 | $482 | Molina Core Gold 1640 |
| Oscar Health | 6 | 17 | $329 | $392 | $584 | $481 | Bronze Simple (Choice) |
| Ambetter (Centene) | 25 | 11 | $496 Gold | no Bronze | $643 | $602 | Standard Gold |
| Cigna HealthcareCigna Group | 7 | 10 | $406 | $444 | $651 | $513 | Connect Bronze CMS Standard |
| UnitedHealthcareUnitedHealth Group | 31 | 16 | $379 | $463 | $663 | $560 | UHC Bronze Essential (No Referrals) |
| MercyCare | 3 | 4 | $527 Gold | no Bronze | $676 | $548 | MercyCare Gold Standard |
| Blue Cross and Blue Shield of IllinoisHCSC (Blue Cross Blue Shield company) | 101 | 220 | $353 | $613 | $980 | $755 | MyBlue Plus Bronze Standard - Select Rx Copays |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $329 | $466 | $848 | 84 | $7,500 | $10,150 | $16,150 |
| Silver | $497 | $665 | $1,328 | 96 | $6,000 | $8,900 | $17,904 |
| Gold | $410 | $580 | $1,023 | 91 | $2,000 | $8,200 | $15,294 |
| CatastrophicUnder 30 or hardship exemption only | $315 | $640 | $817 | 14 | $10,600 | $10,600 | $18,285 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Illinois
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Adams County | 1 | 10 | $667 | $701 | $1,112 |
| Alexander County | 1 | 10 | $791 | $831 | $1,318 |
| Bond County | 3 | 37 | $535 | $612 | $867 |
| Boone County | 2 | 23 | $546 | $614 | $890 |
| Brown County | 1 | 10 | $667 | $701 | $1,112 |
| Bureau County | 1 | 10 | $635 | $667 | $1,058 |
| Calhoun County | 3 | 37 | $535 | $612 | $867 |
| Carroll County | 1 | 10 | $657 | $691 | $1,096 |
| Cass County | 2 | 26 | $589 | $674 | $989 |
| Champaign County | 1 | 10 | $748 | $786 | $1,246 |
| Christian County | 2 | 26 | $589 | $674 | $989 |
| Clark County | 1 | 10 | $748 | $786 | $1,246 |
| Clay County | 1 | 10 | $791 | $831 | $1,318 |
| Clinton County | 3 | 37 | $535 | $612 | $867 |
| Coles County | 1 | 10 | $748 | $786 | $1,246 |
| Cook County | 5 | 78 | $373 | $422 | $606 |
| Crawford County | 1 | 10 | $791 | $831 | $1,318 |
| Cumberland County | 1 | 10 | $748 | $786 | $1,246 |
| De Witt County | 1 | 10 | $667 | $701 | $1,111 |
| DeKalb County | 1 | 19 | $546 | $614 | $987 |
| Douglas County | 1 | 10 | $748 | $786 | $1,246 |
| DuPage County | 6 | 83 | $376 | $429 | $635 |
| Edgar County | 1 | 10 | $748 | $786 | $1,246 |
| Edwards County | 1 | 10 | $791 | $831 | $1,318 |
| Effingham County | 2 | 26 | $523 | $603 | $877 |
| Fayette County | 1 | 10 | $791 | $831 | $1,318 |
| Ford County | 1 | 10 | $748 | $786 | $1,246 |
| Franklin County | 1 | 10 | $791 | $831 | $1,318 |
| Fulton County | 1 | 10 | $636 | $668 | $1,060 |
| Gallatin County | 1 | 10 | $791 | $831 | $1,318 |
| Greene County | 3 | 37 | $535 | $612 | $867 |
| Grundy County | 3 | 40 | $395 | $417 | $655 |
| Hamilton County | 1 | 10 | $791 | $831 | $1,318 |
| Hancock County | 1 | 10 | $635 | $667 | $1,058 |
| Hardin County | 1 | 10 | $791 | $831 | $1,318 |
| Henderson County | 2 | 21 | $635 | $667 | $881 |
| Henry County | 2 | 21 | $635 | $667 | $881 |
| Iroquois County | 1 | 10 | $748 | $786 | $1,246 |
| Jackson County | 1 | 10 | $791 | $831 | $1,318 |
| Jasper County | 1 | 10 | $791 | $831 | $1,318 |
| Jefferson County | 1 | 10 | $791 | $831 | $1,318 |
| Jersey County | 3 | 37 | $535 | $612 | $867 |
| Jo Daviess County | 1 | 10 | $657 | $691 | $1,096 |
| Johnson County | 1 | 10 | $791 | $831 | $1,318 |
| Kane County | 6 | 83 | $376 | $429 | $635 |
| Kankakee County | 4 | 65 | $353 | $415 | $639 |
| Kendall County | 6 | 71 | $329 | $415 | $636 |
| Knox County | 1 | 10 | $636 | $668 | $1,060 |
| LaSalle County | 1 | 10 | $636 | $668 | $1,060 |
| Lake County | 5 | 67 | $390 | $443 | $657 |
| Lawrence County | 1 | 10 | $791 | $831 | $1,318 |
| Lee County | 1 | 10 | $657 | $691 | $1,096 |
| Livingston County | 1 | 10 | $667 | $701 | $1,111 |
| Logan County | 2 | 26 | $589 | $674 | $989 |
| Macon County | 2 | 26 | $589 | $674 | $989 |
| Macoupin County | 3 | 37 | $535 | $612 | $867 |
| Madison County | 3 | 37 | $405 | $466 | $663 |
| Marion County | 1 | 10 | $791 | $831 | $1,318 |
| Marshall County | 1 | 19 | $556 | $609 | $978 |
| Mason County | 2 | 26 | $589 | $674 | $989 |
| Massac County | 1 | 10 | $791 | $831 | $1,318 |
| McDonough County | 1 | 10 | $636 | $668 | $1,060 |
| McHenry County | 3 | 39 | $401 | $451 | $672 |
| McLean County | 1 | 10 | $667 | $701 | $1,111 |
| Menard County | 2 | 26 | $589 | $674 | $989 |
| Mercer County | 2 | 21 | $635 | $667 | $881 |
| Monroe County | 3 | 37 | $405 | $466 | $663 |
| Montgomery County | 3 | 37 | $535 | $612 | $867 |
| Morgan County | 2 | 26 | $589 | $674 | $989 |
| Moultrie County | 1 | 10 | $667 | $701 | $1,112 |
| Ogle County | 1 | 19 | $546 | $614 | $987 |
| Peoria County | 1 | 19 | $556 | $609 | $978 |
| Perry County | 1 | 10 | $791 | $831 | $1,318 |
| Piatt County | 1 | 10 | $748 | $786 | $1,246 |
| Pike County | 1 | 10 | $667 | $701 | $1,112 |
| Pope County | 1 | 10 | $791 | $831 | $1,318 |
| Pulaski County | 1 | 10 | $791 | $831 | $1,318 |
| Putnam County | 1 | 10 | $636 | $668 | $1,060 |
| Randolph County | 3 | 37 | $535 | $612 | $867 |
| Richland County | 1 | 10 | $791 | $831 | $1,318 |
| Rock Island County | 2 | 21 | $635 | $667 | $881 |
| Saline County | 1 | 10 | $791 | $831 | $1,318 |
| Sangamon County | 2 | 26 | $589 | $674 | $989 |
| Schuyler County | 1 | 10 | $667 | $701 | $1,112 |
| Scott County | 2 | 26 | $589 | $674 | $989 |
| Shelby County | 2 | 26 | $589 | $674 | $989 |
| St. Clair County | 3 | 37 | $405 | $466 | $663 |
| Stark County | 1 | 19 | $556 | $609 | $978 |
| Stephenson County | 1 | 10 | $657 | $691 | $1,096 |
| Tazewell County | 1 | 19 | $556 | $609 | $978 |
| Union County | 1 | 10 | $791 | $831 | $1,318 |
| Wabash County | 1 | 10 | $791 | $831 | $1,318 |
| Warren County | 1 | 10 | $635 | $667 | $1,058 |
| Washington County | 3 | 37 | $535 | $612 | $867 |
| Wayne County | 1 | 10 | $791 | $831 | $1,318 |
| White County | 1 | 10 | $791 | $831 | $1,318 |
| Whiteside County | 2 | 21 | $635 | $667 | $881 |
| Will County | 6 | 80 | $329 | $406 | $623 |
| Williamson County | 1 | 10 | $791 | $831 | $1,318 |
| Winnebago County | 2 | 23 | $546 | $614 | $890 |
| Woodford County | 1 | 19 | $556 | $609 | $978 |
To compare insurance plans side by side (or with health sharing), open your county.