Health Insurance: Illinois

Updated April 16, 2014, 12:45am

Open Enrollment for Illinois ended March 31st

If you missed the deadline, mark your calendar: The next open enrollment begins November 15, 2014. That’s when you can sign up for tax-credit eligible health insurance.

In the meantime there’s another way to get a special window to sign up. If you have a major life event — like having a baby, adopting, losing coverage due to a job change or divorce — you’re likely eligible for a special enrollment period.

Illinois’ Affordable Care Act Choices

You’ve probably been reading a lot about the Affordable Care Act in the news lately. Each state has options about how to set up insurance marketplaces for its citizens.

  • Illinois decided to partner with the federal government to set up a health insurance marketplace.
    This means people in Illinois will use the federally facilitated marketplace (FFM) to shop for health insurance in 2014. And Illinois has already started the process to build its own state-based marketplace in 2015.
  • Governor Pat Quinn also chose to expand Medicaid.
    This means about 342,000 low-income Illinoisans will now be eligible for government-sponsored health insurance through Medicaid.

Where to Shop for Health Insurance in Illinois

Federal Marketplace Private Marketplaces
The state of Illinois chose to partner with the federal government for this first year of open enrollment. If you want to buy insurance through a government-run marketplace, your only option is the marketplace run by the feds — called the federally facilitated marketplace, or FFM. The FFM can help you access tax credits and subsidies if you’re eligible. When you shop on the FFM, you’ll fill out an application to determine if you qualify for discounts and a lower monthly payment.

You can access the FFM online at healthcare.gov

If you’d like an alternative to the federally-administered marketplace, you can shop on a marketplace that’s operated by a private company. The best private marketplaces are creating an easy, seamless shopping experience and delivering excellent customer service. They’ll help you estimate what discounts you’ll get when you shop for insurance.

In addition, a select few private marketplaces (like GetInsured) have a formal partnership with the federal government, which means you can get direct access to those federal discounts while still enjoying the private marketplace shopping experience.

Illinois Health Insurance Marketplace Plan Contact Information

Company Toll-Free Number
Aetna 855-586-6962
Blue Cross Blue Shield of Illinois 800-538-8833
Coventry Health Care 855-449-2889
Health Alliance Medical Plans 866-247-3296
Humana Health Plan, Inc. 877-720-4854
Humana Insurance Company 877-720-4854
Land of Lincoln Mutual Health Insurance Co. 888-858-9130