Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance in Illinois 2026
Compare U65 private, ACA marketplace, and off-exchange plans in Illinois. Licensed agents compare all carriers at no cost. Call 888-828-5064.
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Quick Answer: Individual health insurance in Illinois costs $160 to $500 per month for a U65 private plan and $240 to $730 per month for an unsubsidized ACA plan in 2026. For healthy Illinois residents above the ACA subsidy threshold, U65 private plans typically cost 20 to 40 percent less. Call 888-828-5064 for a free multi-carrier comparison for your Illinois zip code.
📊 According to KFF Health Policy, Illinois has a substantial population of individually insured adults outside employer coverage, including self-employed workers, early retirees, and adults between jobs. Illinois has a large and diverse economy anchored by the Chicago metro area, with significant concentrations of finance, technology, healthcare, and professional services workers. Many Chicago-area professionals work as independent contractors or self-employed consultants requiring individual health insurance.
Individual Health Insurance Options in Illinois
| Plan Type | Monthly Cost | Enrollment | Key Carriers |
|---|---|---|---|
| U65 Private Plan | $160 to $500 | Year-round, any day | UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield of Illinois |
| ACA Marketplace | $0 to $650 with subsidy | Open enrollment or SEP | Blue Cross Blue Shield of IL (Get Covered IL), Ambetter, Oscar Health, Molina Healthcare |
| Medicaid | Free to low cost | Year-round | Illinois Medicaid program |
Illinois operates its own exchange, Get Covered Illinois. Illinois expanded Medicaid in 2013. Adults earning up to 138 percent of the FPL qualify for Illinois Medicaid. Major ACA carriers include Blue Cross Blue Shield of Illinois, Ambetter from Celtic Insurance, and Oscar Health.
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A licensed HealthPlusLife agent compares all available Illinois plans simultaneously in one 10-minute call. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance in Illinois
| Age | U65 Private Monthly | ACA Unsubsidized Monthly | Annual Savings with U65 |
|---|---|---|---|
| 30 | $165 to $250 | $270 to $390 | Up to $1,500/yr |
| 40 | $220 to $360 | $320 to $470 | Up to $1,800/yr |
| 50 | $320 to $490 | $440 to $650 | Up to $1,920/yr |
| 60 | $430 to $640 | $630 to $940 | Up to $2,520/yr |
Illinois is one of our active individual insurance markets. We work with self-employed professionals, early retirees, and workers between jobs across all regions of the state. U65 private plans consistently deliver strong coverage at lower premiums than the ACA marketplace for eligible clients.
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Illinois Cities and Counties We Serve
HealthPlusLife serves all Illinois counties and cities including Chicago, Aurora, Joliet, Rockford, Springfield, Elgin, Peoria, Champaign, Waukegan, and Cicero and all surrounding communities.
- Call 888-828-5064
- Share your Illinois zip code, age, and income
- Compare U65 and ACA options side by side
- Verify your doctors are in-network
- Enroll in minutes
Related State and Individual Plan Guides
Get Your Illinois Health Insurance Quote Today
Speak to a licensed HealthPlusLife agent today. We compare U65, private, and ACA plans at no cost to you.
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