Health insurance prices in Effingham County, IL (2026)
26 marketplace plans from 2 insurers. Cheapest plan $523/mo; typical Silver $877/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 13.
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.
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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 $523–$848 (typical $603) · Silver $806–$1,328 (typical $877) · Gold $689–$1,023 (typical $750) · Catastrophic $817–$817 (typical $817)
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 |
|---|---|---|---|---|---|---|---|
| UnitedHealthcareUnitedHealth Group | 16 | $523 | $587 | $857 | $707 | UHC Bronze Essential (No Referrals) | |
| Blue Cross and Blue Shield of IllinoisHCSC (Blue Cross Blue Shield company) | 10 | $791 | $831 | $1,318 | $1,001 | Blue Choice Preferred Bronze PPO 701 |
All 26 plans in Effingham County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $523 | $10,600 | $10,600 | $16,874 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $556 | $7,500 | $10,000 | $16,674 | |
| UnitedHealthcare | UHC Bronze Value (Rx Copay, No Referrals) | Expanded Bronze | HMO | $577 | $7,850 | $10,600 | $17,520 | |
| UnitedHealthcare | UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $598 | $7,850 | $10,600 | $17,779 | |
| UnitedHealthcare | UHC Bronze Copay Focus (No Referrals) | Expanded Bronze | HMO | $603 | $0 | $10,600 | $17,832 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $624 | $0 | $10,600 | $18,091 | |
| UnitedHealthcare | UHC Gold Standard (Rx Copay, No Referrals) | Gold | HMO | $689 | $2,000 | $8,200 | $16,464 | |
| UnitedHealthcare | UHC Gold Advantage (No Referrals) | Gold | HMO | $696 | $2,000 | $7,000 | $15,353 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision, No Referrals) | Gold | HMO | $718 | $2,000 | $7,000 | $15,612 | |
| UnitedHealthcare | UHC Gold Copay Focus (No Referrals) | Gold | HMO | $750 | $0 | $7,000 | $16,000 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 701 | Expanded Bronze | PPO | $791 | $8,600 | $10,600 | $20,087 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $806 | $6,000 | $8,900 | $18,576 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Security PPO 200 | Catastrophic | PPO | $817 | $10,600 | $10,600 | $20,409 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | HMO | $828 | $6,000 | $8,900 | $18,835 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 201 | Expanded Bronze | PPO | $831 | $7,000 | $10,150 | $20,124 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO Standard - Select Rx Copays | Expanded Bronze | PPO | $848 | $7,500 | $10,000 | $20,180 | |
| UnitedHealthcare | UHC Silver Advantage (Rx Copay, No Referrals) | Silver | HMO | $856 | $2,500 | $10,200 | $20,467 | |
| UnitedHealthcare | UHC Silver Copay Focus (No Referrals) | Silver | HMO | $859 | $0 | $10,400 | $20,704 | |
| UnitedHealthcare | UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals) | Silver | HMO | $877 | $2,500 | $10,200 | $20,727 | |
| UnitedHealthcare | UHC Silver Copay Focus+ (Dental + Vision, No Referrals) | Silver | HMO | $880 | $0 | $10,400 | $20,963 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 204 | Gold | PPO | $983 | $1,200 | $10,600 | $22,398 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 901 | Gold | PPO | $1,001 | $2,000 | $10,150 | $22,161 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO Standard - Rx Copays | Gold | PPO | $1,023 | $2,000 | $8,200 | $20,473 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 801 | Silver | PPO | $1,274 | $4,300 | $10,150 | $25,441 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 203 | Silver | PPO | $1,318 | $1,500 | $10,600 | $26,412 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO Standard - Select Rx Copays | Silver | PPO | $1,328 | $6,000 | $8,900 | $24,838 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $523 | $603 | $848 | 9 | $7,500 | $10,600 | $17,832 |
| Silver | $806 | $877 | $1,328 | 9 | $2,500 | $10,200 | $20,727 |
| Gold | $689 | $750 | $1,023 | 7 | $2,000 | $8,200 | $16,464 |
| CatastrophicUnder 30 or hardship exemption only | $817 | $817 | $817 | 1 | $10,600 | $10,600 | $20,409 |
* 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.