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.
Short term health insurance in Illinois
A temporary medical insurance plan like short term health insurance1 underwritten by Golden Rule Insurance Company may provide:
- Budget-friendly monthly payments
- Health care coverage while you search for a long term option
See Illinois short term health insurance options.
Hospital & doctor insurance
Health ProtectorGuard fixed indemnity insurance,2 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
See Illinois hospital & doctor plan options.
Accident & critical illness insurance
Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance2 and critical illness insurance2 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.
See accident and critical illness insurance options.
Illinois dental and vision plans
We offer low cost or no cost health insurance plans for those with limited incomes.
Affordable Care Act (ACA)
You can purchase individual health insurance through the Health Insurance Marketplace. These are plans that meet government requirements per the Affordable Care Act.
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.
- Short term health insurance is medically underwritten and does not cover preexisting conditions. It is not minimum essential coverage as defined by the Affordable Care Act (ACA) and may not cover all Essential Health Benefits in your state. And, while enforcement of the federal tax penalty is not occurring in 2019, some states may impose a tax penalty if you do not have MEC coverage.
- THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage defined by the Affordable Care Act (ACA).
- “Hospital Adjusted Expenses per Inpatient Day – 2016.” State Health Facts. Kaiser Family Foundation. Retrieved from Hospital Adjusted Expenses per Inpatient Day
- Huddleston, Cameron. “More Than Half of Americans Have Less Than $1,000 in Savings in 2017.” GOBankingRates.com. Sept 12, 2017. Retrieved from Best Savings Accounts of 2020
- Primary insured must be 18 years of age or older.
Product design and availability varies by state. Some benefits have waiting periods.
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Each company is a separate entity and is not responsible for another's financial or contractual obligations.
Administrative services are provided by United HealthCare Services, Inc. or their affiliates.
Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.
This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).