Health insurance prices in Lake County, IL (2026)
67 marketplace plans from 5 insurers. Cheapest plan $390/mo; typical Silver $657/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 2.
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 $390–$665 (typical $443) · Silver $581–$1,041 (typical $657) · Gold $486–$801 (typical $551) · Catastrophic $374–$640 (typical $507)
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 |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 11 | $537 Gold | no Bronze | $601 | $559 | Standard Gold | |
| Oscar Health | 8 | $390 | $410 | $604 | $495 | Bronze Simple (Choice) | |
| Cigna HealthcareCigna Group | 10 | $432 | $444 | $655 | $522 | Connect Bronze CMS Standard | |
| UnitedHealthcareUnitedHealth Group | 16 | $401 | $451 | $658 | $542 | UHC Bronze Essential (No Referrals) | |
| Blue Cross and Blue Shield of IllinoisHCSC (Blue Cross Blue Shield company) | 22 | $415 | $455 | $761 | $613 | Blue Precision Bronze HMO Standard - Select Rx Copays |
All 67 plans in Lake County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Secure (Choice) | Catastrophic | HMO | $374 | $10,600 | $10,600 | $15,084 | |
| Oscar Health | Bronze Simple (Choice) | Expanded Bronze | HMO | $390 | $9,000 | $10,600 | $15,284 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $401 | $10,600 | $10,600 | $15,415 | |
| Oscar Health | Bronze Classic Standard (Choice) | Expanded Bronze | HMO | $410 | $7,500 | $10,000 | $14,925 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO Standard - Select Rx Copays | Expanded Bronze | HMO | $415 | $7,500 | $10,000 | $14,982 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $427 | $7,500 | $10,000 | $15,122 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 205 | Expanded Bronze | HMO | $428 | $7,400 | $10,600 | $15,731 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | HMO | $432 | $7,500 | $10,000 | $15,180 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Bronze HMO 701 | Expanded Bronze | HMO | $434 | $4,500 | $10,150 | $15,360 | |
| Oscar Health | Bronze Elite + PCP Saver Plus Rx (Choice) | Expanded Bronze | HMO | $442 | $0 | $10,600 | $15,900 | |
| UnitedHealthcare | UHC Bronze Value (Rx Copay, No Referrals) | Expanded Bronze | HMO | $443 | $7,850 | $10,600 | $15,911 | |
| Cigna Healthcare | Connect Bronze 5200 Indiv Med Deductible - Rx Copay | Expanded Bronze | HMO | $444 | $5,200 | $10,150 | $15,476 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Bronze Standard - Select Rx Copays with Advocate | Expanded Bronze | HMO | $455 | $7,500 | $10,000 | $15,455 | |
| UnitedHealthcare | UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $459 | $7,850 | $10,600 | $16,110 | |
| UnitedHealthcare | UHC Bronze Copay Focus (No Referrals) | Expanded Bronze | HMO | $462 | $0 | $10,600 | $16,150 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $479 | $0 | $10,600 | $16,349 | |
| Oscar Health | Gold Simple (Choice) | Gold | HMO | $486 | $3,300 | $9,950 | $15,788 | |
| Cigna Healthcare | Connect Bronze 2250 Indiv Med Deductible | Expanded Bronze | HMO | $490 | $2,250 | $10,150 | $16,031 | |
| Oscar Health | Gold Classic Standard (Choice) | Gold | HMO | $504 | $2,000 | $8,200 | $14,253 | |
| Cigna Healthcare | Connect Gold 2250 Indiv Med Deductible | Gold | HMO | $505 | $2,250 | $9,450 | $15,512 | |
| Cigna Healthcare | Connect Gold CMS Standard - Rx Copay | Gold | HMO | $518 | $2,000 | $8,200 | $14,416 | |
| Cigna Healthcare | Connect Gold 1500 Indiv Med Deductible | Gold | HMO | $527 | $1,500 | $7,800 | $14,120 | |
| UnitedHealthcare | UHC Gold Standard (Rx Copay, No Referrals) | Gold | HMO | $528 | $2,000 | $8,200 | $14,542 | |
| UnitedHealthcare | UHC Gold Advantage (No Referrals) | Gold | HMO | $534 | $2,000 | $7,000 | $13,411 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $537 | $2,000 | $8,200 | $14,639 | |
| Cigna Healthcare | Connect myHeartCare Gold | Gold | HMO | $541 | $750 | $9,950 | $16,443 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 703 | Gold | HMO | $544 | $1,600 | $10,600 | $17,123 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $547 | $800 | $7,250 | $13,818 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision, No Referrals) | Gold | HMO | $551 | $2,000 | $7,000 | $13,609 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO 207 | Gold | HMO | $552 | $750 | $10,150 | $16,769 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $556 | $2,000 | $8,200 | $14,867 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Gold HMO Standard - Rx Copays | Gold | HMO | $559 | $2,000 | $8,200 | $14,912 | |
| Ambetter (Centene) | Central Gold | Gold | HMO | $562 | $1,000 | $5,500 | $12,239 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $567 | $800 | $7,250 | $14,051 | |
| UnitedHealthcare | UHC Gold Copay Focus (No Referrals) | Gold | HMO | $576 | $0 | $7,000 | $13,907 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $581 | $7,000 | $7,000 | $13,969 | |
| Ambetter (Centene) | Central Gold + Vision + Adult Dental | Gold | HMO | $582 | $1,000 | $5,500 | $12,478 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $588 | $6,000 | $8,900 | $15,958 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $601 | $6,300 | $8,400 | $15,615 | |
| Oscar Health | Silver Classic Standard (Choice) | Silver | HMO | $603 | $6,000 | $8,900 | $16,131 | |
| Oscar Health | Silver Simple Diabetes (Choice) | Silver | HMO | $606 | $6,500 | $10,000 | $17,273 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $609 | $6,000 | $8,900 | $16,208 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Gold Standard - Rx Copays with Advocate | Gold | HMO | $613 | $2,000 | $8,200 | $15,550 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $619 | $6,000 | $8,900 | $16,326 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 701 | Expanded Bronze | PPO | $619 | $8,600 | $10,600 | $18,032 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $623 | $6,300 | $8,400 | $15,871 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | HMO | $635 | $6,000 | $8,900 | $16,525 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Security PPO 200 | Catastrophic | PPO | $640 | $10,600 | $10,600 | $18,285 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | HMO | $649 | $6,000 | $8,900 | $16,688 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO 201 | Expanded Bronze | PPO | $651 | $7,000 | $10,150 | $17,964 | |
| Cigna Healthcare | Connect Silver 6500 Indiv Med Deductible | Silver | HMO | $655 | $6,500 | $9,500 | $17,356 | |
| UnitedHealthcare | UHC Silver Advantage (Rx Copay, No Referrals) | Silver | HMO | $657 | $2,500 | $10,200 | $18,080 | |
| UnitedHealthcare | UHC Silver Copay Focus (No Referrals) | Silver | HMO | $659 | $0 | $10,400 | $18,308 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Bronze PPO Standard - Select Rx Copays | Expanded Bronze | PPO | $665 | $7,500 | $10,000 | $17,976 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 704 | Silver | HMO | $672 | $7,000 | $8,200 | $16,262 | |
| UnitedHealthcare | UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals) | Silver | HMO | $673 | $2,500 | $10,200 | $18,279 | |
| UnitedHealthcare | UHC Silver Copay Focus+ (Dental + Vision, No Referrals) | Silver | HMO | $676 | $0 | $10,400 | $18,507 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO 206 | Silver | HMO | $676 | $3,000 | $10,600 | $18,715 | |
| Cigna Healthcare | Connect Silver 3200 Indiv Med Deductible - Rx Copay | Silver | HMO | $677 | $3,200 | $9,500 | $17,620 | |
| Blue Cross and Blue Shield of Illinois | Blue Precision Silver HMO Standard - Select Rx Copays | Silver | HMO | $695 | $6,000 | $8,900 | $17,241 | |
| Blue Cross and Blue Shield of Illinois | BlueCare Direct Silver Standard - Select Rx Copays with Advocate | Silver | HMO | $761 | $6,000 | $8,900 | $18,035 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 204 | Gold | PPO | $770 | $1,200 | $10,600 | $19,843 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO 901 | Gold | PPO | $784 | $2,000 | $10,150 | $19,560 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Gold PPO Standard - Rx Copays | Gold | PPO | $801 | $2,000 | $8,200 | $17,815 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 801 | Silver | PPO | $998 | $4,300 | $10,150 | $22,130 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO 203 | Silver | PPO | $1,032 | $1,500 | $10,600 | $22,988 | |
| Blue Cross and Blue Shield of Illinois | Blue Choice Preferred Silver PPO Standard - Select Rx Copays | Silver | PPO | $1,041 | $6,000 | $8,900 | $21,387 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $390 | $443 | $665 | 19 | $7,500 | $10,150 | $15,731 |
| Silver | $581 | $657 | $1,041 | 23 | $6,000 | $8,900 | $17,273 |
| Gold | $486 | $551 | $801 | 23 | $2,000 | $8,200 | $14,639 |
| CatastrophicUnder 30 or hardship exemption only | $374 | $507 | $640 | 2 | $10,600 | $10,600 | $16,684 |
* 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.