Illinois ACA health insurance plans for 2026.
Illinois transitioned to its own state-based Marketplace, Get Covered Illinois, in 2026 (previously used HealthCare.gov). SilverEdge can quote and enroll you on Get Covered Illinois directly. We compare every on-exchange carrier in your county — Blue Cross Blue Shield of Illinois, Aetna CVS Health, Ambetter (Centene), Cigna, Molina Healthcare, Oscar, MercyCare HMO, and Quartz — and check your doctor's network before you enroll.
Illinois's ACA Marketplace
Illinois transitioned to its own state-based Marketplace, Get Covered Illinois, in 2026 (previously used HealthCare.gov). SilverEdge can quote and enroll you on Get Covered Illinois directly.
Most Illinoisans qualify for federal premium tax credits. Get Covered Illinois often offers state navigation programs that can help with Spanish-language and disability-services enrollment.
2026 Illinois Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Illinois on-exchange carriers include: Blue Cross Blue Shield of Illinois, Aetna CVS Health, Ambetter (Centene), Cigna, Molina Healthcare, Oscar, MercyCare HMO, and Quartz.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Illinois
Illinois expanded Medicaid under the ACA in 2014. Adults under 138% of the Federal Poverty Level generally qualify for Illinois Medicaid (HFS Medical Programs) — there is no Illinois coverage gap.
Illinois ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Illinois counties we cover
All 102 Illinois counties.
Ready to enroll in Illinois ACA coverage?
Free, no pressure. Licensed in Illinois and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.