Illinois health insurance options
You have more insurance options for your health than you think, Illinois
If you’re self-employed or without insurance from your employer – in other words, you’re looking for individual or family health insurance in Illinois – you might be looking for Affordable Care Act insurance, what's often called Obamacare. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state.
UnitedHealthcare Individual & Family ACA Marketplace plans in Illinois
Looking for health care plans on the Affordable Care Act (ACA) Marketplace? UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare of Illinois, Inc.
As part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower — or in some cases $01,2,3 — monthly premiums for ACA Marketplace health coverage.
Call 1-800-273-8095 / TTY 711 to talk to a licensed insurance agent.
Short term health insurance in Illinois
A temporary medical insurance plan like short term health insurance4 underwritten by Golden Rule Insurance Company may provide:
- Budget-friendly monthly payments
- Health care coverage while you search for a long term option
Questions about Short Term insurance? Call 1-844-711-0161 / TTY 711 to talk to a representative.
Hospital & doctor insurance
Health ProtectorGuard fixed indemnity insurance,5 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for many eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.
- No deductibles or copays to pay first
- Benefits paid regardless of other insurance
- Money to pay costs not covered by major medical plans, like a deductible
Accident & critical illness insurance
Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance5 and critical illness insurance5 can help by paying cash benefits for covered injuries or illnesses.
The Accident Pro series of products, underwritten by Golden Rule Insurance Company, combines accident insurance with critical illness, hospitalization, and accidental death and dismemberment coverage all in one. Some plans are guaranteed issue, meaning your application won’t be turned down for preexisting conditions.
Illinois dental and vision plans
Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.6 They offer coverage for the dental and vision services many medical insurance plans don’t include.
From Chicago to Springfield, Peoria to Champaign, explore these Illinois health insurance options and more that may be available now.
Need help finding a plan?
Answer a few questions to see which insurance options may be available for you.
Health insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.
Call 1-844-232-1426 to learn more.
We offer low cost or no cost health insurance plans for those with limited incomes.
Short Term Health Insurance Disclaimers
Federal disclaimer: This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
ILLINOIS STATE DISCLAIMER: NOTICE: THE SHORT-TERM, LIMITED-DURATION INSURANCE BENEFTITS UNDER THIS COVERAGE DO NOT MEET ALL FEDERAL REQUIREMENTS TO QUALIFY AS "MINIMUM ESSENTIAL COVERAGE" FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT. THIS PLAN OF COVERAGE DOES NOT INCLUDE ALL ESSENTIAL HEALTH BENEFITS AS REQUIRED BY THE AFFORDABLE CARE ACT. PREEXISTING CONDITIONS ARE NOT COVERED UNDER THIS PLAN OF COVERAGE. BE SURE TO CHECK YOUR POLICY CAREFULLY TO MAKE SURE YOU UNDERSTAND WHAT THE POLICY DOES AND DOES NOT COVER. IF THIS COVERAGE EXPIRES OR YOU LOSE ELIGIBILITY FOR THIS COVERAGE, YOU MIGHT HAVE TO WAIT UNTIL THE NEXT OPEN ENROLLMENT PERIOD TO GET OTHER HEALTH INSURANCE COVERAGE. YOU MAY BE ABLE TO GET LONGER TERM INSURANCE THAT QUALIFIES AS "MINIMUM ESSENTIAL COVERAGE" FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT NOW AND HELP TO PAY FOR IT AT WWW.HEALTHCARE.GOV.