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Best Cheap Health Insurance in Illinois 2022

Best Cheap Health Insurance in Illinois 2022

Find Cheap Health Insurance Quotes in Illinois

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For 2022, the average cost of health insurance in Illinois is $507 per month for a 40-year-old. This is a 6% cost increase from 2021.

The cheapest Silver health insurance plan for most people is the Health Alliance 2022 POS 3000 Elite. This is the cheapest option in 53% of the counties in Illinois. Alternatively, shoppers may find cheap health insurance with the Blue Choice Preferred Silver PPO, which is the cheapest option in 20% of the counties.

Cheapest health insurance by plan tier

We compared monthly premiums from all Illinois plans to determine the most affordable health insurance policy available in each plan tier and help you get started finding the best policy for your preferred level of coverage.

The actual set of insurance companies and health plans offered will change depending on the county you live in, so those listed below may not be available where you live. But we recommend using these as a starting point to assess the benefits and cost sharing you can expect for a given level of coverage as compared to a policy's rates.

Plan tier
Cheapest plan
Cost
Deductible
Out-of-pocket maximum
CatastrophicBright Health Catastrophic 8700$268$8,700$8,700
BronzeWellFirst Bronze Value$340$8,650$8,650
Bronze ExpandedBlue FocusCare Bronze$274$7,400$8,700
SilverAmbetter Balanced Care 12$332$6,500$8,400
GoldAmbetter Secure Care 5$400$1,450$6,300

Monthly cost for a 40-year-old.

The actual cost of a health insurance plan in Illinois will be based on your age and the ages of family members covered by the policy.

For instance, if you're 21 years old, your health insurance rates would be 22% cheaper than what a 40-year-old would pay for the same tier of coverage. At the same time, 60-year-olds pay 112% higher rates than 40-year-olds.

This holds across all tiers of coverage, although the difference in price would be larger or smaller depending on the level of coverage chosen. For example, a 40-year-old would pay $97 more per month on average than a 21-year-old for a Bronze health plan but $121 more per month for an average Silver plan.

Cheapest health insurance companies in Illinois

Finding the best health insurance coverage in Illinois

The set of available insurers changes by county, so the best health insurance plan available to you in Illinois will depend on where you live and your chosen level of coverage. Higher metal tier health plans, such as Gold policies, have more expensive monthly premiums but significantly lower out-of-pocket expenses, such as deductibles, copays and coinsurance.

So, if you have costly prescriptions or are concerned about unpredictable costs during the year if you become ill, a higher metal tier plan will likely be your best health insurance choice. On the other hand, if you have a large emergency savings to cover cost sharing but no expected medical costs and want to keep your monthly rates down, a lower metal tier plan may be the cheapest.

Gold plans: Best if you have high expected medical costs

Gold health insurance plans have the lowest variable costs for medical care, such as deductibles and copays, that you'd need to cover before your policy would pay for health expenses. However, Gold plans also come with the most expensive monthly rates. Therefore, these health plans are best if you have high expected medical costs, such as ongoing prescriptions, or are concerned about being able to pay out of pocket for an unexpected condition.

The cheapest Gold plan in Illinois is the Ambetter Secure Care 5. Compare all tiers in Illinois above.

Silver plans: Best for low-income families or those with average medical costs

Silver health plans are a good middle ground between Bronze and Gold plans, combining affordable monthly premiums and out-of-pocket costs. So, for instance, if you can't afford the rates of a Gold plan in Illinois but would have trouble covering the high deductible and copayments of a Bronze plan, a Silver plan may be the best alternative.

For low-income households, Medicaid is available for those with an income up to 138% of the federal poverty level because Illinois expanded its coverage under the Affordable Care Act (ACA). If you earn too much to qualify for Medicaid, a Silver plan might be the most cost-effective option for health insurance coverage, as these policies are eligible for cost-sharing reduction subsidies.

The cheapest Silver plan in Illinois is the Ambetter Balanced Care 12. Compare all tiers in Illinois above.

Bronze and Catastrophic plans: Best if you're healthy and have emergency savings

These policies have cheap monthly premiums for health insurance but much higher cost-sharing. So, if you need medical care during the year, you have to pay more money out of pocket before coverage kicks in.

For instance, the WellFirst Bronze Value plan has a deductible of $8,650, which is much higher than the $1,450 deductible with the cheapest Gold plan. If you expect to have low medical expenses and can cover the high cost of care in the event of an emergency, a Bronze plan may be your best cheap option for health insurance coverage.

You can only qualify for Catastrophic health plans if you're under 30 years old or meet certain exemption requirements. You also cannot use a premium tax credit to reduce the cost of a Catastrophic plan. Bronze plans, on the other hand, are available to anyone and are eligible for premium tax credits.

The cheapest Bronze plan in Illinois is the WellFirst Bronze Value. Compare all tiers in Illinois above.

Health insurance rate changes in Illinois

Health insurance rates are set by individual health insurers. Once the rates have been determined, they are sent to the federal health insurance exchange for approval.

For 2022, the average cost of health insurance across all plan tiers in Illinois increased by 6%. The largest jump was for Bronze plans with prices increasing 26% this year, returning rates to approximately their 2020 level. Among other plan tiers, 2022 rates increased between 1% and 4%.

Plan tier
2020
2021
2022
Change (2021 vs. 2022)
Catastrophic$403$404$4153%
Bronze$481$356$44826%
Bronze Expanded$466$462$4794%
Silver$587$550$5561%
Gold$638$613$6364%

Monthly premiums are for a 40-year-old adult.

Short-term health insurance in Illinois

In Illinois, short-term health insurance can be purchased from insurance providers outside of the state health insurance exchange. The state currently restricts short-term health insurance policy lengths to six months and prohibits renewals. In addition, you cannot purchase a new short-term plan from the same insurer within 60 days of the end of your last short-term policy.

It is important to note that short-term health insurance plans typically do not cover the same benefits as ACA marketplace health policies. This could mean no coverage for the essential benefits and preexisting conditions.

Find Cheap Health Insurance Quotes in Your Area

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Best cheap health insurance companies in Illinois

There are eight health insurance companies on the Illinois state exchange, although all available insurers do not operate in every county.

  • Blue Cross Blue Shield of Illinois
  • Bright Health Insurance Co. of Illinois
  • Celtic Insurance Co.
  • Cigna HealthCare of Illinois Inc.
  • Health Alliance Medical Plans Inc.
  • MercyCare HMO Inc.
  • Quartz Health Benefit Plans Corp.
  • SSM Health Plan

We recommend beginning your search for the best health insurance with Health Alliance plans. These plans are offered in 83 counties, and in 54 counties, they're the cheapest Silver plans available.

Cheapest health insurance plan by county

The insurers and health plans offered on the Illinois health insurance marketplace will vary depending on the county where you reside. To help you find the best cheap health insurance policy for your family, we analyzed all plans in the state and identified the most affordable Silver plan in every county. Below, you can check out sample monthly rates for each of the health plans.

County
Cheapest plan
Adult
Couple
Couple & child
AdamsBlue Choice Preferred Silver PPO$613$1,226$1,593
AlexanderHealth Alliance 2022 POS 3000 Elite$615$1,229$1,597
BondHealth Alliance 2022 POS 3000 Elite$615$1,229$1,597
BooneBlue Precision Silver HMO$540$1,080$1,403
BrownBlue Choice Preferred Silver PPO$613$1,226$1,593
Show All Rows

Monthly cost for the cheapest Silver plan based on quotes for a 40-year-old adult and children age 14 and younger.

Average cost of health insurance by family size in Illinois

The amount you'll pay for a particular health insurance policy in Illinois is determined by the number of people covered and their ages. If you add your children to your health insurance plan, coverage for each child will cost a flat rate through the age of 14, after which their premium will increase with age. If your spouse is covered by your health insurance policy, their price is determined by age — just like your cost of coverage.

The cost of health insurance for your family will depend on the plan you choose, but the average cost to cover a family of three in Illinois with a Silver plan is $1,444 per month, assuming two 40-year-old parents and one child. The first child added to a plan raises one's monthly premium by an average of $333.

Similarly, adding a spouse to your Silver policy increases your monthly premium by $556 on average in Illinois, assuming they're 40 years old. If you're the same age, this would effectively double your monthly cost of health insurance.

Family size
Average cost
Individual & child$888
Couple$1,111
Family of three (couple & child)$1,444
Family of four (couple & 2 children)$1,776
Family of five (couple & 3 children)$2,109

Sample rates are based on the average monthly cost of a Silver plan in Illinois for 40-year-old adults and children aged 14 or younger.

Frequently asked questions

What is the average cost of health insurance in Illinois?

The average cost of a Silver health insurance plan in Illinois is $556 per month. This rate is more than 2% higher than the national average of $541 per month.

How do I get health insurance in Illinois?

To get health insurance in Illinois, you would apply through the federal health insurance exchange. You can review and compare plans or create an account to apply online. During the application process, you'll learn whether you qualify for premium assistance or cost-sharing subsidies.

What is the best health insurance in Illinois?

For the best cheap health insurance in Illinois, we recommend starting with the 2022 POS 3000 Elite plan from Health Alliance Medical Plans Inc. This is the cheapest Silver plan in 53% of Illinois counties. If the Elite plan is not sold in your area, the Blue Choice Preferred Silver PPO is the cheapest option for residents in 20% of counties. Other plan tiers available in Illinois include Catastrophic, Bronze, Bronze Expanded and Gold, which offer varying levels of coverage and could be the better choice depending on your health care usage.

Methodology

Health insurance rates and plans in Illinois stated above can be found on the Centers for Medicare & Medicaid Services (CMS) government website. Using the Public Use Files (PUFs), premiums were averaged across a variety of factors such as metal tier, county and family size. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this dataset may not appear.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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Get personalized advice. Narrow down choices based on your unique situation.


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Compare rates to maximize your savings. Get free quotes in an instant.


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Find a provider you can trust. Our experts do the hard work for you.