Health insurance prices in Kendall County, IL (2026)
71 marketplace plans from 6 insurers. Cheapest plan $329/mo; typical Silver $636/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 4.
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 $329–$626 (typical $415) · Silver $508–$980 (typical $636) · Gold $410–$755 (typical $524) · Catastrophic $315–$603 (typical $459)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 8 | $329 | $346 | $510 | $418 | Bronze Simple (Choice) | |
| Molina Healthcare | 7 | $482 Gold | no Bronze | $550 | $486 | Molina Core Gold 1640 | |
| Cigna HealthcareCigna Group | 10 | $406 | $417 | $615 | $491 | Connect Bronze CMS Standard | |
| UnitedHealthcareUnitedHealth Group | 16 | $379 | $426 | $622 | $513 | UHC Bronze Essential (No Referrals) | |
| Ambetter (Centene) | 11 | $592 Gold | no Bronze | $663 | $616 | Standard Gold | |
| Blue Cross and Blue Shield of IllinoisHCSC (Blue Cross Blue Shield company) | 19 | $395 | $498 | $801 | $629 | Blue Precision Bronze HMO Standard - Select Rx Copays |
All 71 plans in Kendall County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Secure (Choice) | Catastrophic | HMO | $315 | $10,600 | $10,600 | $14,383 | |
| Oscar Health | Bronze Simple (Choice) | Expanded Bronze | HMO | $329 | $9,000 | $10,600 | $14,552 | |
| Oscar Health | Bronze Classic Standard (Choice) | Expanded Bronze | HMO | $346 | $7,500 | $10,000 | $14,155 | |
| Oscar Health | Bronze Elite + PCP Saver Plus Rx (Choice) | Expanded Bronze | HMO | $373 | $0 | $10,600 | $15,072 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $379 | $10,600 | $10,600 | $15,154 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO Standard - Select Rx Copays | Expanded Bronze | HMO | $395 | $7,500 | $10,000 | $14,737 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $404 | $7,500 | $10,000 | $14,843 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | HMO | $406 | $7,500 | $10,000 | $14,867 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 205 | Expanded Bronze | HMO | $406 | $7,400 | $10,600 | $15,478 | |
| Oscar Health | Gold Simple (Choice) | Gold | HMO | $410 | $3,300 | $9,950 | $14,876 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 701 | Expanded Bronze | HMO | $413 | $4,500 | $10,150 | $15,103 | |
| Cigna Healthcare | Connect Bronze 5200 Indiv Med Deductible - Rx Copay | Expanded Bronze | HMO | $417 | $5,200 | $10,150 | $15,154 | |
| UnitedHealthcare | UHC Bronze Value (Rx Copay, No Referrals) | Expanded Bronze | HMO | $419 | $7,850 | $10,600 | $15,622 | |
| Oscar Health | Gold Classic Standard (Choice) | Gold | HMO | $426 | $2,000 | $8,200 | $13,307 | |
| UnitedHealthcare | UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $434 | $7,850 | $10,600 | $15,810 | |
| UnitedHealthcare | UHC Bronze Copay Focus (No Referrals) | Expanded Bronze | HMO | $437 | $0 | $10,600 | $15,848 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $453 | $0 | $10,600 | $16,036 | |
| Cigna Healthcare | Connect Bronze 2250 Indiv Med Deductible | Expanded Bronze | HMO | $460 | $2,250 | $10,150 | $15,676 | |
| Cigna Healthcare | Connect Gold 2250 Indiv Med Deductible | Gold | HMO | $475 | $2,250 | $9,450 | $15,146 | |
| Molina Healthcare | Molina Core Gold 1640 | Gold | HMO | $482 | $1,640 | $8,100 | $13,882 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision | Gold | HMO | $486 | $1,640 | $8,100 | $13,930 | |
| Cigna Healthcare | Connect Gold CMS Standard - Rx Copay | Gold | HMO | $487 | $2,000 | $8,200 | $14,041 | |
| Cigna Healthcare | Connect Gold 1500 Indiv Med Deductible | Gold | HMO | $495 | $1,500 | $7,800 | $13,738 | |
| UnitedHealthcare | UHC Gold Standard (Rx Copay, No Referrals) | Gold | HMO | $500 | $2,000 | $8,200 | $14,197 | |
| UnitedHealthcare | UHC Gold Advantage (No Referrals) | Gold | HMO | $505 | $2,000 | $7,000 | $13,062 | |
| Cigna Healthcare | Connect myHeartCare Gold | Gold | HMO | $508 | $750 | $9,950 | $16,051 | |
| Oscar Health | Silver Classic Standard (Choice) | Silver | HMO | $508 | $6,000 | $8,900 | $15,001 | |
| Oscar Health | Silver Simple Diabetes (Choice) | Silver | HMO | $511 | $6,500 | $10,000 | $16,137 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 703 | Gold | HMO | $517 | $1,600 | $10,600 | $16,801 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision, No Referrals) | Gold | HMO | $521 | $2,000 | $7,000 | $13,250 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 207 | Gold | HMO | $524 | $750 | $10,150 | $16,443 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO Standard - Rx Copays | Gold | HMO | $532 | $2,000 | $8,200 | $14,581 | |
| Molina Healthcare | Molina Silver Saver with Four Free PCP Visits | Silver | HMO | $539 | $7,000 | $10,150 | $16,622 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Rx Copay and Adult Dental and Vision | Gold | HMO | $541 | $1,640 | $8,100 | $14,598 | |
| UnitedHealthcare | UHC Gold Copay Focus (No Referrals) | Gold | HMO | $544 | $0 | $7,000 | $13,531 | |
| Molina Healthcare | Molina Core Silver | Silver | HMO | $548 | $6,000 | $8,990 | $15,567 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $552 | $6,000 | $8,990 | $15,615 | |
| Molina Healthcare | Molina Silver Core Plus with Rx Copay and Adult Dental and Vision | Silver | HMO | $570 | $6,000 | $8,890 | $15,728 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 701 | Expanded Bronze | PPO | $583 | $8,600 | $10,600 | $17,602 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $585 | $6,000 | $8,900 | $15,922 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $592 | $2,000 | $8,200 | $15,300 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | HMO | $601 | $6,000 | $8,900 | $16,110 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Security PPO 200 | Catastrophic | PPO | $603 | $10,600 | $10,600 | $17,840 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $604 | $800 | $7,250 | $14,492 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | HMO | $610 | $6,000 | $8,900 | $16,218 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $613 | $2,000 | $8,200 | $15,552 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 201 | Expanded Bronze | PPO | $613 | $7,000 | $10,150 | $17,512 | |
| Cigna Healthcare | Connect Silver 6500 Indiv Med Deductible | Silver | HMO | $615 | $6,500 | $9,500 | $16,882 | |
| Ambetter (Centene) | Central Gold | Gold | HMO | $619 | $1,000 | $5,500 | $12,931 | |
| UnitedHealthcare | UHC Silver Advantage (Rx Copay, No Referrals) | Silver | HMO | $621 | $2,500 | $10,200 | $17,651 | |
| UnitedHealthcare | UHC Silver Copay Focus (No Referrals) | Silver | HMO | $623 | $0 | $10,400 | $17,878 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $625 | $800 | $7,250 | $14,749 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO Standard - Select Rx Copays | Expanded Bronze | PPO | $626 | $7,500 | $10,000 | $17,514 | |
| Cigna Healthcare | Connect Silver 3200 Indiv Med Deductible - Rx Copay | Silver | HMO | $636 | $3,200 | $9,500 | $17,130 | |
| UnitedHealthcare | UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals) | Silver | HMO | $637 | $2,500 | $10,200 | $17,840 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 704 | Silver | HMO | $639 | $7,000 | $8,200 | $15,865 | |
| UnitedHealthcare | UHC Silver Copay Focus+ (Dental + Vision, No Referrals) | Silver | HMO | $639 | $0 | $10,400 | $18,066 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $640 | $7,000 | $7,000 | $14,684 | |
| Ambetter (Centene) | Central Gold + Vision + Adult Dental | Gold | HMO | $641 | $1,000 | $5,500 | $13,194 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 206 | Silver | HMO | $643 | $3,000 | $10,600 | $18,315 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $648 | $6,000 | $8,900 | $16,682 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO Standard - Select Rx Copays | Silver | HMO | $661 | $6,000 | $8,900 | $16,830 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $663 | $6,300 | $8,400 | $16,356 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $671 | $6,000 | $8,900 | $16,958 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $687 | $6,300 | $8,400 | $16,638 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 204 | Gold | PPO | $726 | $1,200 | $10,600 | $19,308 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 901 | Gold | PPO | $739 | $2,000 | $10,150 | $19,015 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO Standard - Rx Copays | Gold | PPO | $755 | $2,000 | $8,200 | $17,259 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 801 | Silver | PPO | $941 | $4,300 | $10,150 | $21,436 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 203 | Silver | PPO | $973 | $1,500 | $10,600 | $22,270 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO Standard - Select Rx Copays | Silver | PPO | $980 | $6,000 | $8,900 | $20,663 |
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 | $415 | $626 | 18 | $7,500 | $10,375 | $15,316 |
| Silver | $508 | $636 | $980 | 26 | $6,000 | $8,945 | $16,660 |
| Gold | $410 | $524 | $755 | 25 | $1,640 | $8,200 | $14,581 |
| CatastrophicUnder 30 or hardship exemption only | $315 | $459 | $603 | 2 | $10,600 | $10,600 | $16,112 |
* 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.