Illinois 2025 Health Insurance Guide

2025 Health Insurance Carrier Updates for Illinois

See Also: Chicago Hospital Network Guide

Illinois runs a partnership exchange with the federal government. The state operates Get Covered Illinois, which has a website, in-person help, and a help desk, but Illinois residents use the federally-run HealthCare.gov platform to enroll in Affordable Care Act (ACA) Marketplace health plans.

But starting in the fall of 2025, for coverage effective in 2026, Illinois will have its own state-run enrollment platform.2

Eleven insurance companies offer Marketplace coverage in Illinois for 2025,3 with service areas that vary quite a bit from one insurer to another.4

Use this guide to help you understand the Illinois Marketplace and choose the right health plan for you and your family. ACA Marketplace plans – or Obamacare or exchange – are affordable choices for many people. Enrolling on the exchange may make you eligible for financial assistance through an advance premium tax credit.

Individual Off-Exchange Only – 74 unique plans will be available for plan year 2024.
– Aetna Health, Inc. (Aetna Health) – (HMO)
– Aetna Life Insurance Company (Aetna Life) – (PPO)
– Health Alliance Medical Plans, Inc. (HAMP) – (POS)
– Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC, aka Blue Cross Blue Shield) – (HMO and PPO)
– Quartz Health Benefit Plans Corporation (Quartz) – (HMO)
In 2024:
• Aetna Life will be a new entrant to the Individual market.
• Celtic Insurance Company (Celtic) and Cigna Healthcare of Illinois, Inc. (Cigna) will no longer offer Individual OffExchange only plans.
• Additionally, with the exception of enhanced Silver CSR benefit plans, all plans offered through the Individual
Marketplace will also be available Off-Exchange, so consumers will have more coverage options.

Small Group Off-Exchange Market – 784 unique plans will be available for plan year 2024.
– Aetna Health Insurance Company (Aetna Health) – (POS)
– Aetna Life Insurance Company (Aetna Life) – (PPO)
– Health Alliance Medical Plan, Inc. (HAMP) – (HMO, PPO, and POS)
– Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC, aka Blue Cross Blue Shield) – (HMO and PPO)
– Medical Associates Health Plans – (HMO and POS)
– MercyCare HMO Inc. – (HMO)
– Quartz Health Benefit Plans Corporation (Quartz) – (HMO, POS, and PPO)
– UnitedHealthcare of Illinois, Inc. – (HMO)
– UnitedHealthcare Insurance Company of Illinois – (POS)
– UnitedHealthcare Insurance Company of the River Valley – (POS)
– UnitedHealthcare Plan of the River Valley, Inc. – (HMO)
– Humana Health Plan Inc. (Humana), Humana Insurance Company (Humana), and Cigna Health and Life Insurance
Company (Cigna) exited the Small Group market in 2024

Schedule a phone appointment with an agent >>

Independent Health Agents (formally Illinois Health Agents) is here to help you find the coverage that’s right for you, but our time fills up fast, and our agents will be charging consultation fees for appointments made later in open enrollment.  Make sure to schedule a free phone consultation to get the help you need, or use the live chat available on our website. 

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Open Enrollment is Nov 1st - December 15th.