We wanted to share some important updates about the state of individual insurance in Illinois, as well as offer you a chance to schedule an agent appointment to walk you through your 2018 plan options.
Open enrollment starts Nov 1st and runs through Dec 15th. This is a shortened period from last year, meaning agent availability may be limited. Since you’ve used us in the past, we’re offering you an exclusive chance to book a FREE agent phone consultation as long as you book before Nov 15th. After Nov 15th, agents will only be available on a pay-per-consultation basis.
Enrollment links won't work until Nov 1, but check out our plan guide below. For Chicago residents, you can also check out our recently updated Chicago Hospital Guide.
Two of the six carriers from 1017 (Aetna and Harken) will no longer sell individual plans in Illinois. If you are currently enrolled with Aetna or Harken you will need to select a new carrier for 2018.
If you are enrolled with Ambetter(Celtic), Blue Cross Blue Shield, Cigna or Health Alliance you will be auto-re-enrolled in your same plan or if you plan has been discontinued, the plan the most closely matches your current plan.
Below are some updates for specific carriers:
Ambetter (Celtic) will only be available in Cook County, and while it is inexpensive, it has a limited doctors network. This is a great option if you live in Chicago and receive care at Swedish Covenant or Mt. Sinai hospitals.
You may have gotten a letter from BCBS telling you your plan has been discontinued. Blue Cross has reduced the number of plans, but their networks remain mostly unchanged, and you’ll still have access to a similar plan for 2018.
BlueCross will continue to be the largest carrier in the state, offering coverage in every county. They have streamlined the number of plans they are offering for 2018, and you can read what we know so far here.
Only offered in select counties, Cigna’s plans are among the most inexpensive, but access to doctors is limited, especially in Cook County and surrounding areas. Cigna works best if you live in the suburbs and do not visit the doctor often.
Covered hospitals: Adventist network, Presence St Joseph/St Marys, Alexian Brothers.
Offered in southern Illinois only, Health Alliance is a good choice for those looking for an affordable health plan and are not sensitive to potentially changing doctors.