Compare affordable ACA marketplace and private health insurance plans in Illinois for 2026. Get Covered Illinois, top carriers, metro pricing, and an Illinois-licensed agent — free.
We are not an Illinois state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Illinois expanded Medicaid in 2014, so lower-income residents often qualify for no-cost coverage, while everyone above that line enrolls in marketplace plans where roughly 90% receive a premium tax credit. As of the 2026 plan year Illinois runs its own marketplace, Get Covered Illinois, at getcovered.illinois.gov — it replaced HealthCare.gov for Illinois residents, and existing HealthCare.gov accounts were migrated over. The metal tiers, essential health benefits and premium tax credits did not change; the enrollment front door did.
Premiums and carrier networks vary between Chicago and its suburbs, Rockford, Peoria and the rest of the state, so where you live in Illinois shapes both your price and your provider choices. Blue Cross Blue Shield of Illinois anchors much of the market, with national and regional carriers competing alongside it.
We're licensed in Illinois and quote its major carriers every day. Below is how coverage works in the state — including where Medicaid ends and marketplace subsidies begin — plus the metros, plan types and situations we help with most.
Illinois runs its own state-based marketplace, Get Covered Illinois, which replaced HealthCare.gov for Illinois residents starting with the 2026 plan year. The plans and premium tax credits are the same — only the enrollment site changed.
Illinois expanded Medicaid in 2014, so lower-income adults may qualify for no-cost coverage. Above that threshold, marketplace premium tax credits take over — we'll help you find where you land.
These companies offer individual and family health plans in Illinois. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
Yes. Get Covered Illinois is Illinois's own state-based marketplace, and as of the 2026 plan year it has replaced HealthCare.gov for Illinois residents — enrollment runs at getcovered.illinois.gov. If you had a HealthCare.gov account, it was migrated. The plans and premium tax credits are the same, a licensed agent can enroll you at no extra cost, and we can also show private off-exchange plans.
For lower-income Illinoisans it's often no-cost Medicaid. Above that, a subsidized ACA marketplace plan is usually cheapest — many qualify for a Silver plan at little or no monthly cost after the premium tax credit, while others pay full price, and cost-sharing reductions can lower your deductible too. We compare your options for your exact ZIP and income.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.