Quick Facts about Health Insurance in Illinois

• Illinois operates a partnership with the federal government to sell ACA/Obamacare plans. 
• Open Enrollment for On-Exchange plans will be from November 1, 2022 – December 15, 2022. 
• Off-Exchange plans can be purchased at any time. * 
• Apollo Insurance Group can help broker plans with 18 different carriers. 

How Health Insurance Works in Illinois

Health insurance in Illinois can be split into two categories: On-Exchange and Off-Exchange. On-Exchange plans are ACA/Obamacare health insurance plans and must follow the rules that entails. That means that they are eligible for subsidies and cannot deny coverage because of preexisting conditions. 

In Illinois, the state runs GetCoveredIllinois, which provides assistance and a help desk for people that are trying to find On-Exchange health insurance. However, all enrollment is done through healthcare.gov. 

Off-Exchange plans are any plans that do not follow the ACA. They are not eligible for subsidies and can deny coverage because of preexisting conditions. Due to this, they tend to have lower premiums than their ACA counterparts. 

When to Sign Up for Illinois Health Insurance

Typically, for On-Exchange plans, you can only sign up during the Open Enrollment period. Open Enrollment is the time of the year that you can freely change your ACA health insurance. Outside of Open Enrollment, you need a Qualifying Life Event – one of several major life changes that could force you to find a new insurance plan. Click here for a full list of qualifying life events. 

You can sign up for Off-Exchange plans at any time. There are some exceptions, but most carriers will allow you to sign up for a plan year-round. 

How to Sign Up for Illinois Health Insurance

To enroll for health insurance in Illinois, fill out our quote form. Alternatively, call our Chicago office at the number below now. We have extensive experience finding insurance for people in Illinois, so call us today! 

Call us in Chicago: (872) 345-4441 

Short Term Health Insurance in Illinois: What You Need To Know

When it comes to protecting your health, having the right insurance is essential. This is especially true in Illinois, where health care costs can be high and the laws governing health insurance coverage can be complex. Fortunately, there are options available for those who need short-term health insurance in Illinois. Let’s take a look at what you need to know about this type of coverage.

What is Short Term Health Insurance?

Short term health insurance is a type of coverage designed to help fill the gap between traditional policies and provide protection for those who may not have access to other forms of coverage. These plans are typically offered for up to 12 months and cover basic medical expenses such as doctor visits, hospital stays, emergency services, and prescription drugs. They do not generally cover pre-existing conditions or long-term care services, so it’s important to understand exactly what your policy covers before signing up for one.

Who Should Consider Short Term Health Insurance?

Short term health insurance may be an appropriate option for those who are between jobs or waiting for employer-sponsored benefits to kick in after starting a new job. It can also be beneficial for students or recent graduates who may not have access to their parents’ health insurance plans any longer but still need some form of coverage until they can obtain their own policy. Finally, self-employed individuals who don’t have access to employer-sponsored benefits may find that a short term plan suits their needs while they search for more comprehensive coverage options.

Comparison Shopping

When considering short term health insurance in Illinois, it’s important to compare different plans carefully before deciding on one that fits your needs and budget. Remember that these plans typically don’t cover pre-existing conditions or long-term care services, so make sure you understand exactly what your policy does and doesn’t cover before signing up for one. Additionally, it’s worth researching any potential discounts or incentives offered by certain insurers as this could reduce your overall cost significantly over time.

In conclusion, short term health insurance can be an attractive option for those looking for temporary protection from medical costs until they find more comprehensive coverage with another provider. However, it’s important to compare different policies carefully and understand exactly what each one does and does not cover before making a decision about which plan best meets your needs. If you live in Illinois and need some form of temporary health insurance protection until you find more suitable coverage elsewhere, then a short term plan could potentially be right for you.

Cities in Illinois: Get Insured

Chicago, Illinois Health Insurance

As a resident of Chicago, health insurance coverage is important to ensure you have access to the medical care you need. In Illinois, the health insurance marketplace is run through the federal government, in partnership with Get Covered Illinois. There are several health plans available through the marketplace, including both private health insurance options and Medicaid. Depending on your income level and household size, you may qualify for subsidies to make health insurance more affordable. Additionally, if you are employed, your employer may offer health insurance benefits as part of your job compensation package. It’s important to review your options and determine what health plan best suits your needs.

Rockford, Illinois Health Insurance

As a resident of Rockford, IL, it is important to have access to quality health insurance. In addition to ensuring that you and your family have access to necessary medical care, health insurance also helps to prevent financial strain in the event of a serious illness or injury. Fortunately, there are many options for health insurance in Rockford. Local health insurance providers offer a range of plans at varying price points, giving residents the ability to choose a plan that best suits their needs and budget. It is also worth considering health insurance through your employer, as many companies offer employee health benefits as part of their benefits package. No matter what option you choose, having health insurance in Rockford can provide peace of mind and protect you from unexpected expenses.