What is the best Health Insurance Plan in Illinois?

Individual and Family Health Plans

Best health insurance plan

Best Health Insurance Plans in Illinois:

There are many different insurnace carriers in Illinois that offer On and Off exchnace health insurance plans. On Exchange plans are offered via Healthcare.gov, while Off-Exchange plans can be purchased directly from the insurance company. Check Illinois Health Plans page to learn more or work with a health insurance agent to get help enrolling.

Most of the health insurance carriers in IL offer HMO plans that usually have a particular healthsystem in network. However, Blue Cross Blue Shied of IL is the only carrier that offers a PPO plan, Blue Cross Preferred PPO plan.

List of the Best Health Insurance plans in Illinois for 2022:

1. Bright Healthcare:

Arrived to Illinois in 2021 with myriad of affordable plans and robust nework of providers and hospitals. Bright Healthcare network includes: Northshore Healthsystem, DuPage Medical group, AMITA Health, Mount Sinai, and many other independent providers. Although Bright Healthcare only offer HMO plans , however, the company doesnt require a referral from a primary care to see an in netwrok specialist. The company offers $500 in rewards via Pre-Paid visa card through the year. In 2022, Bright Healthcare are offering multiple Bronze plans and Silver plans with $0 Deductible, $0 PCP, 0$ Specialist, and $0 Generic drugs. These plans are rated at a very affordable premium compared to other companies with similar network.

2. Oscar:

Start to offer health insurance plans in Illinois effective 2022. Oscar plans offer different health benefits are affrdable cost or even $0 cost. They have two networks in Illinois, Choice and Select. Oscar plans include plans with $0 dedcuible, and $0 drug list. Oscar are known to have a very streamlind virtual visits at no cost to the patient. So if you prefer virtual visits, Oscar is a great option for you.  Additionally Oscar have partnered with major Chicagoland hospitals including Loyola University, North Shore Healthsystem, Northwestern University, and AMITA Health. Learn more about Oscar network here. 

3. Cigna:

Cigna health insurance plans are in network with Northwestern Hospital. Cigna also have developed a plan for clients with diabetes to offer extra covered services for diabetic patients. Cigna Plus Northwestern have extra benefits and services that may include dental coverage for adults. Although the plan is an HMO plan yet there is a large network of providers that accept the plan.

When to Purchase Individual Health Insurance

Normally, you can only get a health plan during a short window of time known as the Open Enrollment Period (OEP). For the current year, the OEP in most states runs from November 1 through December 15. Some states offer extended deadlines into late December for coverage starting in mid-January, while others extend deadlines into January for coverage beginning in February. In 2022, the OEP is extended to January 15th in all states.

In some situations, you can buy coverage outside of the open enrollment window. Individuals can qualify for a Special Enrollment Period (SEP) if they recently experienced a life-changing event, such as losing their job and their employer-provided coverage, getting married, divorced, having a baby or adopting, or if citizenship status changes. These events and others are referred to as a “qualifying life event.”

Note that there are Special Enrollment Period (SEP) deadlines for submitting documentation to substantiate a life-changing event — within 60 days for an ACA plan on the Marketplace or commonly 30 days to change plans at work. 

Other circumstances that qualify people for an SEP include becoming Medicaid-eligible, or if you are Native American, and therefore change your health plan any month of the year.

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