Health insurance prices in Cook County, IL (2026)
78 marketplace plans from 5 insurers. Cheapest plan $373/mo; typical Silver $606/mo. Official marketplace: Get Covered Illinois (enter your ZIP for your real price and tax credit).
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). Rating Area 1.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
Compare options
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 $373–$713 (typical $422) · Silver $497–$1,116 (typical $606) · Gold $444–$859 (typical $519) · Catastrophic $383–$687 (typical $535)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 7 | $444 Gold | no Bronze | $507 | $447 | Molina Core Gold 1640 | |
| Ambetter (Centene) | 11 | $496 Gold | no Bronze | $556 | $516 | Standard Gold | |
| Oscar Health | 13 | $373 | $406 | $603 | $481 | Bronze Simple (Select) | |
| UnitedHealthcareUnitedHealth Group | 16 | $394 | $443 | $646 | $533 | UHC Bronze Essential (No Referrals) | |
| Blue Cross and Blue Shield of IllinoisHCSC (Blue Cross Blue Shield company) | 31 | $375 | $426 | $678 | $550 | MyBlue Plus Bronze Standard - Select Rx Copays |
All 78 plans in Cook County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Bronze Simple (Select) | Expanded Bronze | HMO | $373 | $9,000 | $10,600 | $15,077 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Bronze Standard - Select Rx Copays | Expanded Bronze | POS | $375 | $7,500 | $10,000 | $14,502 | |
| Oscar Health | Secure (Choice) | Catastrophic | HMO | $383 | $10,600 | $10,600 | $15,197 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Bronze 903 | Expanded Bronze | POS | $387 | $4,000 | $9,500 | $14,146 | |
| Oscar Health | Bronze Classic Standard (Select) | Expanded Bronze | HMO | $392 | $7,500 | $10,000 | $14,705 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $394 | $10,600 | $10,600 | $15,333 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Bronze 912 | Expanded Bronze | POS | $405 | $1,500 | $10,000 | $14,862 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO Standard - Select Rx Copays | Expanded Bronze | HMO | $411 | $7,500 | $10,000 | $14,930 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $419 | $7,500 | $10,000 | $15,034 | |
| Oscar Health | Bronze Classic Standard (Choice) | Expanded Bronze | HMO | $421 | $7,500 | $10,000 | $15,049 | |
| Oscar Health | Bronze Elite + PCP Saver Plus Rx (Select) | Expanded Bronze | HMO | $422 | $0 | $10,600 | $15,659 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 205 | Expanded Bronze | HMO | $423 | $7,400 | $10,600 | $15,677 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 701 | Expanded Bronze | HMO | $430 | $4,500 | $10,150 | $15,305 | |
| UnitedHealthcare | UHC Bronze Value (Rx Copay, No Referrals) | Expanded Bronze | HMO | $435 | $7,850 | $10,600 | $15,820 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Bronze Standard - Select Rx Copays with Advocate | Expanded Bronze | HMO | $439 | $7,500 | $10,000 | $15,265 | |
| Molina Healthcare | Molina Core Gold 1640 | Gold | HMO | $444 | $1,640 | $8,100 | $13,426 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision | Gold | HMO | $447 | $1,640 | $8,100 | $13,470 | |
| UnitedHealthcare | UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $451 | $7,850 | $10,600 | $16,015 | |
| UnitedHealthcare | UHC Bronze Copay Focus (No Referrals) | Expanded Bronze | HMO | $455 | $0 | $10,600 | $16,055 | |
| Oscar Health | Gold Simple (Select) | Gold | HMO | $464 | $3,300 | $9,950 | $15,518 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Gold Standard - Rx Copays | Gold | POS | $470 | $2,000 | $8,200 | $13,845 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $471 | $0 | $10,600 | $16,250 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Gold 910 | Gold | POS | $472 | $250 | $7,000 | $12,668 | |
| Oscar Health | Gold Classic Standard (Select) | Gold | HMO | $481 | $2,000 | $8,200 | $13,971 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Gold 909 | Gold | POS | $486 | $1,000 | $8,000 | $13,826 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $496 | $2,000 | $8,200 | $14,152 | |
| Molina Healthcare | Molina Silver Saver with Four Free PCP Visits | Silver | HMO | $497 | $7,000 | $10,150 | $16,112 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Rx Copay and Adult Dental and Vision | Gold | HMO | $499 | $1,640 | $8,100 | $14,085 | |
| Molina Healthcare | Molina Core Silver | Silver | HMO | $505 | $6,000 | $8,990 | $15,049 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $506 | $800 | $7,250 | $13,322 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $509 | $6,000 | $8,990 | $15,092 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $514 | $2,000 | $8,200 | $14,363 | |
| Oscar Health | Gold Classic Standard (Choice) | Gold | HMO | $517 | $2,000 | $8,200 | $14,406 | |
| Ambetter (Centene) | Central Gold | Gold | HMO | $519 | $1,000 | $5,500 | $11,730 | |
| UnitedHealthcare | UHC Gold Standard (Rx Copay, No Referrals) | Gold | HMO | $519 | $2,000 | $8,200 | $14,433 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $524 | $800 | $7,250 | $13,537 | |
| Molina Healthcare | Molina Silver Core Plus with Rx Copay and Adult Dental and Vision | Silver | HMO | $525 | $6,000 | $8,890 | $15,189 | |
| UnitedHealthcare | UHC Gold Advantage (No Referrals) | Gold | HMO | $525 | $2,000 | $7,000 | $13,300 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $537 | $7,000 | $7,000 | $13,442 | |
| Ambetter (Centene) | Central Gold + Vision + Adult Dental | Gold | HMO | $538 | $1,000 | $5,500 | $11,951 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 703 | Gold | HMO | $538 | $1,600 | $10,600 | $17,054 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision, No Referrals) | Gold | HMO | $541 | $2,000 | $7,000 | $13,496 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $544 | $6,000 | $8,900 | $15,424 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 207 | Gold | HMO | $546 | $750 | $10,150 | $16,699 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO Standard - Rx Copays | Gold | HMO | $553 | $2,000 | $8,200 | $14,841 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $556 | $6,300 | $8,400 | $15,070 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $563 | $6,000 | $8,900 | $15,656 | |
| UnitedHealthcare | UHC Gold Copay Focus (No Referrals) | Gold | HMO | $566 | $0 | $7,000 | $13,788 | |
| Oscar Health | Silver Classic Standard (Select) | Silver | HMO | $574 | $6,000 | $8,900 | $15,785 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Silver 906 | Silver | POS | $575 | $3,000 | $10,100 | $16,994 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $576 | $6,300 | $8,400 | $15,307 | |
| Oscar Health | Silver Simple Diabetes (Select) | Silver | HMO | $577 | $6,500 | $10,000 | $16,928 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Gold Standard - Rx Copays with Advocate | Gold | HMO | $591 | $2,000 | $8,200 | $15,294 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Silver 905 | Silver | POS | $593 | $5,000 | $8,000 | $15,114 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Silver Standard - Select Rx Copays | Silver | POS | $594 | $6,000 | $8,900 | $16,030 | |
| Oscar Health | Buena Salud Plateado 4360 (Select) | Silver | HMO | $603 | $4,360 | $9,700 | $16,937 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $608 | $6,000 | $8,900 | $16,198 | |
| Oscar Health | Silver Classic Standard (Choice) | Silver | HMO | $618 | $6,000 | $8,900 | $16,314 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | HMO | $624 | $6,000 | $8,900 | $16,394 | |
| Oscar Health | Silver Elite Saver Plus Rx Copay (Select) | Silver | HMO | $634 | $500 | $9,500 | $17,105 | |
| UnitedHealthcare | UHC Silver Advantage (Rx Copay, No Referrals) | Silver | HMO | $645 | $2,500 | $10,200 | $17,944 | |
| UnitedHealthcare | UHC Silver Copay Focus (No Referrals) | Silver | HMO | $648 | $0 | $10,400 | $18,172 | |
| UnitedHealthcare | UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals) | Silver | HMO | $662 | $2,500 | $10,200 | $18,140 | |
| UnitedHealthcare | UHC Silver Copay Focus+ (Dental + Vision, No Referrals) | Silver | HMO | $664 | $0 | $10,400 | $18,367 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 701 | Expanded Bronze | PPO | $664 | $8,600 | $10,600 | $18,571 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 704 | Silver | HMO | $665 | $7,000 | $8,200 | $16,177 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 206 | Silver | HMO | $669 | $3,000 | $10,600 | $18,629 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Security PPO 200 | Catastrophic | PPO | $687 | $10,600 | $10,600 | $18,842 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO Standard - Select Rx Copays | Silver | HMO | $688 | $6,000 | $8,900 | $17,153 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 201 | Expanded Bronze | PPO | $698 | $7,000 | $10,150 | $18,530 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO Standard - Select Rx Copays | Expanded Bronze | PPO | $713 | $7,500 | $10,000 | $18,553 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Silver Standard - Select Rx Copays with Advocate | Silver | HMO | $735 | $6,000 | $8,900 | $17,717 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 204 | Gold | PPO | $826 | $1,200 | $10,600 | $20,513 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 901 | Gold | PPO | $841 | $2,000 | $10,150 | $20,241 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO Standard - Rx Copays | Gold | PPO | $859 | $2,000 | $8,200 | $18,512 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 801 | Silver | PPO | $1,071 | $4,300 | $10,150 | $22,998 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 203 | Silver | PPO | $1,107 | $1,500 | $10,600 | $23,885 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO Standard - Select Rx Copays | Silver | PPO | $1,116 | $6,000 | $8,900 | $22,291 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $373 | $422 | $713 | 20 | $7,500 | $10,150 | $15,319 |
| Silver | $497 | $606 | $1,116 | 30 | $6,000 | $8,900 | $16,354 |
| Gold | $444 | $519 | $859 | 26 | $1,820 | $8,200 | $14,028 |
| CatastrophicUnder 30 or hardship exemption only | $383 | $535 | $687 | 2 | $10,600 | $10,600 | $17,019 |
* 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.