Health Insurance
Finding the right health insurance doesn't have to be complicated.
We made it easier.
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Our Insurance Advisors help individuals and families compare coverage options, understand costs and benefits, and find a plan that fits their needs and budget.

What Kind of Health Insurance Do You Need?

  • Individual & Family Health Insurance
    Coverage for individuals and families who don't receive health insurance through an employer or another program.
  • Marketplace Health Insurance
    We can help you understand your coverage options available through Get Covered Illinois and determine whether you may qualify for financial assistance.
Health Insurance Through Get Covered Illinois
Get Covered Illinois is the official Health Insurance Marketplace for Illinois. It is the only Marketplace where eligible Illinois residents can apply for Premium Tax Credits to help reduce the cost of coverage.

Our Insurance Advisors can help you:
  • Review available health insurance plans
  • Compare premiums and deductibles
  • Understand copays and coinsurance
  • Check provider networks
  • Review prescription coverage
  • Understand available financial assistance
  • Apply for or renew coverage

Understanding Health Insurance Plan Levels

  • Bronze
    • Lower monthly premiums
    • Higher out-of-pocket costs
  • Silver
    • Moderate premiums and out-of-pocket costs
    • Cost-Sharing Reductions are available through Silver plans for people who qualify.
  • Gold
    • Higher monthly premiums
    • Lower out-of-pocket costs when you receive care

Choosing a Health Plan Is About More

Than the Monthly Premium

  • Monthly Premium
    What you pay each month to keep your insurance active.
  • Deductible
    What you ay need to pay before your plan begins paying for certain covered services.
  • Out-of-Pocket Costs
    Copays, coinsurance and other costs you may pay when receiving care.
  • Provider Network
    Make sure the doctors, specialists and hospitals you want to use participate in your plan's network.

Understanding Health Insurance Networks

  • HMO
    Usually requires you to use an in-network provider and may require referrals.
  • PPO
    Offers more flexibility to see providers, including certain out-of-network care, generally at a higher cost.
  • EPO
    Generally covers in-network care only, except emergencies.
  • POS
    Combines network-based care with some flexibility and generally requires referrals for specialists.
Who Should Contact Us?
You May Need to Review Your Health Insurance If You:
New job • Lost employer coverage • Got married • Got divorced • Had a baby • Moved • Income changed • Immigration status changed • Need a different doctor/network • Want to change your current plan
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