get covered illinois

Get Covered Illinois is the official health insurance marketplace for the State of Illinois where residents can compare plans, enroll in coverage, and apply for financial help with premiums and out‑of‑pocket costs.

What Get Covered Illinois Is

• It is Illinois’ state-run health insurance marketplace created under the Affordable Care Act (ACA).

• It is the only place Illinois residents can both compare private health plans and get federal/state financial help (premium tax credits and cost-sharing reductions) for those plans.

• The program is administered as a division of the Illinois Department of Insurance.

Key Features and Benefits

• Lets you shop and compare plans by monthly premium, deductible, out‑of‑pocket maximum, provider network, and covered services.

• Offers multiple health and dental plan options at different price points, with rates not increased due to pre‑existing conditions, in line with ACA rules.

• Connects eligible individuals and families to financial assistance based on income and household size, including tax credits and plans with reduced copays and lower cost‑sharing.

Eligibility and When To Use It

• Intended for people who cannot get affordable, adequate coverage from an employer plan, a family member’s job, Medicaid, or Medicare.

• Income-based help is generally available up to around 400% of the Federal Poverty Guidelines, with extra cost-sharing reductions available at lower income levels.

• You usually enroll during open enrollment; special enrollment is available after qualifying life events such as loss of other coverage, moving, marriage, or having a child.

Current Enrollment Timing (2025–2026)

• For 2025 coverage, Illinois residents continue to use HealthCare.gov.

• Beginning with 2026 coverage, Illinois is moving to a fully state-based marketplace at GetCovered.Illinois.gov, with open enrollment for 2026 coverage starting November 1, 2025.

How to Get Started

• Visit the Get Covered Illinois website to use the “Shop/Enroll” tools to compare plans and see estimated costs with financial help factored in.

• Free in‑person or virtual help is available from trained navigators and brokers who can walk you through plan options and the application.

Information gathered from public forums or data available on the internet and portrayed here.