Health insurance prices in Kane County, IL (2026)
83 marketplace plans from 6 insurers. Cheapest plan $376/mo; typical Silver $635/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 3.
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 $376–$644 (typical $429) · Silver $535–$1,008 (typical $635) · Gold $468–$776 (typical $538) · Catastrophic $360–$620 (typical $490)
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 | $478 Gold | no Bronze | $546 | $482 | Molina Core Gold 1640 | |
| Oscar Health | 8 | $376 | $395 | $582 | $477 | Bronze Simple (Choice) | |
| Ambetter (Centene) | 11 | $554 Gold | no Bronze | $621 | $576 | Standard Gold | |
| UnitedHealthcareUnitedHealth Group | 16 | $394 | $442 | $645 | $532 | UHC Bronze Essential (No Referrals) | |
| Cigna HealthcareCigna Group | 10 | $433 | $445 | $657 | $524 | Connect Bronze CMS Standard | |
| Blue Cross and Blue Shield of IllinoisHCSC (Blue Cross Blue Shield company) | 31 | $391 | $423 | $669 | $542 | MyBlue Plus Bronze Standard - Select Rx Copays |
All 83 plans in Kane County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Secure (Choice) | Catastrophic | HMO | $360 | $10,600 | $10,600 | $14,917 | |
| Oscar Health | Bronze Simple (Choice) | Expanded Bronze | HMO | $376 | $9,000 | $10,600 | $15,110 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Bronze Standard - Select Rx Copays | Expanded Bronze | POS | $391 | $7,500 | $10,000 | $14,691 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $394 | $10,600 | $10,600 | $15,325 | |
| Oscar Health | Bronze Classic Standard (Choice) | Expanded Bronze | HMO | $395 | $7,500 | $10,000 | $14,742 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Bronze 903 | Expanded Bronze | POS | $403 | $4,000 | $9,500 | $14,342 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO Standard - Select Rx Copays | Expanded Bronze | HMO | $405 | $7,500 | $10,000 | $14,862 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 205 | Expanded Bronze | HMO | $417 | $7,400 | $10,600 | $15,607 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $419 | $7,500 | $10,000 | $15,025 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Bronze 912 | Expanded Bronze | POS | $422 | $1,500 | $10,000 | $15,067 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 701 | Expanded Bronze | HMO | $424 | $4,500 | $10,150 | $15,234 | |
| Oscar Health | Bronze Elite + PCP Saver Plus Rx (Choice) | Expanded Bronze | HMO | $425 | $0 | $10,600 | $15,703 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | HMO | $433 | $7,500 | $10,000 | $15,199 | |
| UnitedHealthcare | UHC Bronze Value (Rx Copay, No Referrals) | Expanded Bronze | HMO | $434 | $7,850 | $10,600 | $15,811 | |
| Cigna Healthcare | Connect Bronze 5200 Indiv Med Deductible - Rx Copay | Expanded Bronze | HMO | $445 | $5,200 | $10,150 | $15,496 | |
| UnitedHealthcare | UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $451 | $7,850 | $10,600 | $16,006 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Bronze Standard - Select Rx Copays with Advocate | Expanded Bronze | HMO | $453 | $7,500 | $10,000 | $15,436 | |
| UnitedHealthcare | UHC Bronze Copay Focus (No Referrals) | Expanded Bronze | HMO | $454 | $0 | $10,600 | $16,045 | |
| Oscar Health | Gold Simple (Choice) | Gold | HMO | $468 | $3,300 | $9,950 | $15,571 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $470 | $0 | $10,600 | $16,241 | |
| Molina Healthcare | Molina Core Gold 1640 | Gold | HMO | $478 | $1,640 | $8,100 | $13,836 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision | Gold | HMO | $482 | $1,640 | $8,100 | $13,883 | |
| Oscar Health | Gold Classic Standard (Choice) | Gold | HMO | $486 | $2,000 | $8,200 | $14,028 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Gold Standard - Rx Copays | Gold | POS | $490 | $2,000 | $8,200 | $14,082 | |
| Cigna Healthcare | Connect Bronze 2250 Indiv Med Deductible | Expanded Bronze | HMO | $492 | $2,250 | $10,150 | $16,052 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Gold 910 | Gold | POS | $492 | $250 | $7,000 | $12,907 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Gold 909 | Gold | POS | $506 | $1,000 | $8,000 | $14,072 | |
| Cigna Healthcare | Connect Gold 2250 Indiv Med Deductible | Gold | HMO | $507 | $2,250 | $9,450 | $15,534 | |
| UnitedHealthcare | UHC Gold Standard (Rx Copay, No Referrals) | Gold | HMO | $519 | $2,000 | $8,200 | $14,422 | |
| Cigna Healthcare | Connect Gold CMS Standard - Rx Copay | Gold | HMO | $520 | $2,000 | $8,200 | $14,439 | |
| UnitedHealthcare | UHC Gold Advantage (No Referrals) | Gold | HMO | $524 | $2,000 | $7,000 | $13,290 | |
| Cigna Healthcare | Connect Gold 1500 Indiv Med Deductible | Gold | HMO | $529 | $1,500 | $7,800 | $14,143 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 703 | Gold | HMO | $530 | $1,600 | $10,600 | $16,965 | |
| Molina Healthcare | Molina Silver Saver with Four Free PCP Visits | Silver | HMO | $535 | $7,000 | $10,150 | $16,571 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Rx Copay and Adult Dental and Vision | Gold | HMO | $537 | $1,640 | $8,100 | $14,546 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 207 | Gold | HMO | $538 | $750 | $10,150 | $16,609 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision, No Referrals) | Gold | HMO | $540 | $2,000 | $7,000 | $13,485 | |
| Cigna Healthcare | Connect myHeartCare Gold | Gold | HMO | $543 | $750 | $9,950 | $16,466 | |
| Molina Healthcare | Molina Core Silver | Silver | HMO | $544 | $6,000 | $8,990 | $15,515 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO Standard - Rx Copays | Gold | HMO | $546 | $2,000 | $8,200 | $14,750 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $548 | $6,000 | $8,990 | $15,562 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $554 | $2,000 | $8,200 | $14,845 | |
| UnitedHealthcare | UHC Gold Copay Focus (No Referrals) | Gold | HMO | $565 | $0 | $7,000 | $13,777 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $565 | $800 | $7,250 | $14,028 | |
| Molina Healthcare | Molina Silver Core Plus with Rx Copay and Adult Dental and Vision | Silver | HMO | $565 | $6,000 | $8,890 | $15,674 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $573 | $2,000 | $8,200 | $15,080 | |
| Ambetter (Centene) | Central Gold | Gold | HMO | $580 | $1,000 | $5,500 | $12,454 | |
| Oscar Health | Silver Classic Standard (Choice) | Silver | HMO | $580 | $6,000 | $8,900 | $15,862 | |
| Oscar Health | Silver Simple Diabetes (Choice) | Silver | HMO | $584 | $6,500 | $10,000 | $17,002 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $585 | $800 | $7,250 | $14,269 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Silver 906 | Silver | POS | $599 | $3,000 | $10,100 | $17,284 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $599 | $7,000 | $7,000 | $14,192 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 701 | Expanded Bronze | PPO | $600 | $8,600 | $10,600 | $17,797 | |
| Ambetter (Centene) | Central Gold + Vision + Adult Dental | Gold | HMO | $600 | $1,000 | $5,500 | $12,701 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $607 | $6,000 | $8,900 | $16,183 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $607 | $6,000 | $8,900 | $16,186 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Gold Standard - Rx Copays with Advocate | Gold | HMO | $610 | $2,000 | $8,200 | $15,525 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Silver 905 | Silver | POS | $618 | $5,000 | $8,000 | $15,414 | |
| Blue Cross and Blue Shield of Illinois | MyBlue Plus Silver Standard - Select Rx Copays | Silver | POS | $619 | $6,000 | $8,900 | $16,330 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Security PPO 200 | Catastrophic | PPO | $620 | $10,600 | $10,600 | $18,041 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $621 | $6,300 | $8,400 | $15,846 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | HMO | $623 | $6,000 | $8,900 | $16,381 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $628 | $6,000 | $8,900 | $16,441 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 201 | Expanded Bronze | PPO | $631 | $7,000 | $10,150 | $17,716 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $643 | $6,300 | $8,400 | $16,110 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO Standard - Select Rx Copays | Expanded Bronze | PPO | $644 | $7,500 | $10,000 | $17,723 | |
| UnitedHealthcare | UHC Silver Advantage (Rx Copay, No Referrals) | Silver | HMO | $644 | $2,500 | $10,200 | $17,931 | |
| UnitedHealthcare | UHC Silver Copay Focus (No Referrals) | Silver | HMO | $647 | $0 | $10,400 | $18,159 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | HMO | $651 | $6,000 | $8,900 | $16,716 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 704 | Silver | HMO | $656 | $7,000 | $8,200 | $16,067 | |
| Cigna Healthcare | Connect Silver 6500 Indiv Med Deductible | Silver | HMO | $657 | $6,500 | $9,500 | $17,385 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 206 | Silver | HMO | $660 | $3,000 | $10,600 | $18,518 | |
| UnitedHealthcare | UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals) | Silver | HMO | $661 | $2,500 | $10,200 | $18,126 | |
| UnitedHealthcare | UHC Silver Copay Focus+ (Dental + Vision, No Referrals) | Silver | HMO | $663 | $0 | $10,400 | $18,354 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO Standard - Select Rx Copays | Silver | HMO | $678 | $6,000 | $8,900 | $17,039 | |
| Cigna Healthcare | Connect Silver 3200 Indiv Med Deductible - Rx Copay | Silver | HMO | $679 | $3,200 | $9,500 | $17,650 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 204 | Gold | PPO | $746 | $1,200 | $10,600 | $19,550 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Silver Standard - Select Rx Copays with Advocate | Silver | HMO | $759 | $6,000 | $8,900 | $18,003 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 901 | Gold | PPO | $759 | $2,000 | $10,150 | $19,261 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO Standard - Rx Copays | Gold | PPO | $776 | $2,000 | $8,200 | $17,510 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 801 | Silver | PPO | $967 | $4,300 | $10,150 | $21,750 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 203 | Silver | PPO | $1,000 | $1,500 | $10,600 | $22,595 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO Standard - Select Rx Copays | Silver | PPO | $1,008 | $6,000 | $8,900 | $20,991 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $376 | $429 | $644 | 22 | $7,500 | $10,150 | $15,466 |
| Silver | $535 | $635 | $1,008 | 30 | $6,000 | $8,900 | $16,644 |
| Gold | $468 | $538 | $776 | 29 | $1,640 | $8,200 | $14,422 |
| CatastrophicUnder 30 or hardship exemption only | $360 | $490 | $620 | 2 | $10,600 | $10,600 | $16,479 |
* 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.