Bright Health Illinois Health Plans
Bright Health offers 10 plans in Illinois, on and off the health insurance marketplace. They offer Catastrophic, Bronze, Silver, and Gold plans.
In its existing Chicago market, the company will expand into DuPage County and add individual and family plans to their current Medicare Advantage offerings.
Best for: Those under age 30 who desire low premiums and expect minimal medical incidents. Coverage includes 3 primary care visits, then no other benefits until the maximum out-of-pocket is reached.
Catastrophic – Three (3) $0 Primary Care Visits – $8,550 individual deductible and 0% coinsurance
Lower premiums and higher costs with use
Best for: Healthy individuals who want to minimize their monthly premiums and are comfortable with the risk of a higher deductible in the event of a high-cost health incident.
Bronze 8550 – $8,550 individual deductible and 0% coinsurance.
Bronze $0 Primary Care – $7,000 individual deductible and 0% coinsurance.
Bronze $0 Medical Deductible – $0 / $4,950 Rx individual deductible and 50% coinsurance
Bronze 7000 HSA – $7,200 individual deductible and 50% coinsurance
Moderate premiums and costs
Best for: Those who expect to use their plans occasionally, and would like lower deductibles and more benefits than a Bronze plan. Also eligible for lowered copays and deductibles when you qualify for Cost Sharing Reductions on the Health Insurance Marketplace.
Silver 3000 – $5,000 individual deductible and 40% coinsurance
Silver 5000 – $3,000 individual deductible and 40% coinsurance
Silver $0 Primary Care – $0 individual deductible and 40% coinsurance
Silver $0 Deductible – $6,700 individual deductible and 40% coinsurance
Generous coverage and predictable costs
Best for: People who expect to use their coverage often: ongoing prescriptions, frequent provider visits, etc. Most benefits have copays, so costs are more predictable.
Gold 1000 – $1,000 individual deductible and 20% coinsurance