UnitedHealthcare in Illinois health insurance (2026)
UnitedHealthcare sells 16 marketplace plans in 31 of 101 Illinois counties for 2026, from $379/mo; typical Silver $663/mo, before tax credits. Buy on 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).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
Each person is priced by age using this state's official age curve; only the three oldest children under 21 are charged. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
UnitedHealthcare plans in Illinois
- Bronze $379–$703
- Silver $585–$992
- Gold $500–$845
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 6 plans · $379–$703/mo | ||||||
| UHC Bronze Essential (No Referrals) | HMO | $379–$589in 31 counties | $10,600 | $10,600 | $15,154–$17,671 | — |
| UHC Bronze Standard (No Referrals) Expanded Bronze | HMO | $404–$627in 31 counties | $7,500 | $10,000 | $14,843–$17,520 | — |
| UHC Bronze Value (Rx Copay, No Referrals) Expanded Bronze | HMO | $419–$650in 31 counties | $7,850 | $10,600 | $15,622–$18,398 | — |
| UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals) Expanded Bronze | HMO | $434–$674in 31 counties | $7,850 | $10,600 | $15,810–$18,691 | — |
| UHC Bronze Copay Focus (No Referrals) Expanded Bronze | HMO | $437–$679in 31 counties | $0 | $10,600 | $15,848–$18,749 | — |
| UHC Bronze Copay Focus+ (Dental + Vision, No Referrals) Expanded Bronze | HMO | $453–$703in 31 counties | $0 | $10,600 | $16,036–$19,042 | — |
| Silver 6 plans · $585–$992/mo | ||||||
| UHC Silver Standard (No Referrals) | HMO | $585–$909in 31 counties | $6,000 | $8,900 | $15,922–$19,804 | — |
| UHC Silver Standard+ (Dental + Vision, No Referrals) | HMO | $601–$933in 31 counties | $6,000 | $8,900 | $16,110–$20,096 | — |
| UHC Silver Advantage (Rx Copay, No Referrals) | HMO | $621–$964in 31 counties | $2,500 | $10,200 | $17,651–$21,770 | — |
| UHC Silver Copay Focus (No Referrals) | HMO | $623–$968in 31 counties | $0 | $10,400 | $17,878–$22,011 | — |
| UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals) | HMO | $637–$989in 31 counties | $2,500 | $10,200 | $17,840–$22,062 | — |
| UHC Silver Copay Focus+ (Dental + Vision, No Referrals) | HMO | $639–$992in 31 counties | $0 | $10,400 | $18,066–$22,303 | — |
| Gold 4 plans · $500–$845/mo | ||||||
| UHC Gold Standard (Rx Copay, No Referrals) | HMO | $500–$776in 31 counties | $2,000 | $8,200 | $14,197–$17,512 | — |
| UHC Gold Advantage (No Referrals) | HMO | $505–$784in 31 counties | $2,000 | $7,000 | $13,062–$16,413 | — |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) | HMO | $521–$809in 31 counties | $2,000 | $7,000 | $13,250–$16,705 | — |
| UHC Gold Copay Focus (No Referrals) | HMO | $544–$845in 31 counties | $0 | $7,000 | $13,531–$17,142 | — |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where UnitedHealthcare sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Bond County | 16 | $535–$900 | $876 |
| Calhoun County | 16 | $535–$900 | $876 |
| Cass County | 16 | $589–$992 | $966 |
| Christian County | 16 | $589–$992 | $966 |
| Clinton County | 16 | $535–$900 | $876 |
| Cook County | 16 | $394–$664 | $647 |
| DuPage County | 16 | $394–$663 | $645 |
| Effingham County | 16 | $523–$880 | $857 |
| Greene County | 16 | $535–$900 | $876 |
| Jersey County | 16 | $535–$900 | $876 |
| Kane County | 16 | $394–$663 | $645 |
| Kankakee County | 16 | $379–$639 | $622 |
| Kendall County | 16 | $379–$639 | $622 |
| Lake County | 16 | $401–$676 | $658 |
| Logan County | 16 | $589–$992 | $966 |
| Macon County | 16 | $589–$992 | $966 |
| Macoupin County | 16 | $535–$900 | $876 |
| Madison County | 16 | $405–$681 | $663 |
| Mason County | 16 | $589–$992 | $966 |
| McHenry County | 16 | $401–$676 | $658 |
| Menard County | 16 | $589–$992 | $966 |
| Monroe County | 16 | $405–$681 | $663 |
| Montgomery County | 16 | $535–$900 | $876 |
| Morgan County | 16 | $589–$992 | $966 |
| Randolph County | 16 | $535–$900 | $876 |
| Sangamon County | 16 | $589–$992 | $966 |
| Scott County | 16 | $589–$992 | $966 |
| Shelby County | 16 | $589–$992 | $966 |
| St. Clair County | 16 | $405–$681 | $663 |
| Washington County | 16 | $535–$900 | $876 |
| Will County | 16 | $379–$639 | $622 |
Other insurers in Illinois
- Molina Healthcare Silver $542/mo
- Oscar Health Silver $584/mo
- Ambetter (Centene) Silver $643/mo
- Cigna Healthcare Silver $651/mo
- MercyCare Silver $676/mo
- Blue Cross and Blue Shield of Illinois Silver $980/mo
All Illinois prices · Sorted by typical Silver price.
Frequently asked questions
How much does UnitedHealthcare health insurance cost in Illinois?
For plan year 2026, UnitedHealthcare marketplace plans in Illinois cost $379 to $992 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $463, Silver $663, Gold $560. Prices depend on the county.
What is the cheapest UnitedHealthcare plan in Illinois?
UHC Bronze Essential (No Referrals) (Bronze), from $379 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does UnitedHealthcare sell marketplace plans in Illinois?
In 31 of Illinois's 101 counties, including Bond County, Calhoun County, Cass County, Christian County, Clinton County, Cook County and others.
How do I buy a UnitedHealthcare plan in Illinois?
On Get Covered Illinois (https://getcovered.illinois.gov/), the official marketplace for Illinois, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.