Health Insurance in Chicago Western Suburbs — DuPage & Kane Counties, IL — 2026 Plans & Premiums
83 ACA marketplace plans are available in Chicago Western Suburbs — DuPage & Kane Counties, IL, from 3 insurers. The cheapest plan starts at $319.50/month before subsidies.
Insurers price these 2 counties identically, so plan availability and premiums below apply to all of them:
- DuPage County
- Kane County
83
Plans Available
$319.50
Cheapest Plan/mo
3
Insurers
Get Covered Illinois
Exchange
Insurers Serving Chicago Western Suburbs — DuPage & Kane Counties
Plans Available in Chicago Western Suburbs — DuPage & Kane Counties
Sorted by monthly premium · 30-year-old · Before subsidies
Oscar Health Plan, Inc. Secure (Choice)
Oscar Health Plan, Inc.
$319.50/mo
Ded: $10,600
Oscar Health Plan, Inc. Bronze Simple (Choice)
Oscar Health Plan, Inc.
$333.76/mo
Ded: $9,000
Blue Cross and Blue Shield of Illinois MyBlue Plus Bronze℠ Standard - Select Rx Copays
Blue Cross and Blue Shield of Illinois
$347.19/mo
Ded: $7,500
UnitedHealthcare UHC Bronze Essential (No Referrals)
UnitedHealthcare
$349.66/mo
Ded: $10,600
Oscar Health Plan, Inc. Bronze Classic Standard (Choice)
Oscar Health Plan, Inc.
$350.92/mo
Ded: $7,500
Blue Cross and Blue Shield of Illinois MyBlue Plus Bronze℠ 903
Blue Cross and Blue Shield of Illinois
$358.34/mo
Ded: $4,000
Blue Cross and Blue Shield of Illinois Blue Precision Bronze HMO℠ Standard - Select Rx Copays
Blue Cross and Blue Shield of Illinois
$359.81/mo
Ded: $7,500
Blue Cross and Blue Shield of Illinois Blue Precision Bronze HMO℠ 205
Blue Cross and Blue Shield of Illinois
$370.54/mo
Ded: $7,400
Average Premiums in Chicago Western Suburbs — DuPage & Kane Counties
Avg Bronze Plan
$403/mo
22 plans
Avg Silver (Subsidy Benchmark)
$588/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in Illinois
Which counties does this Illinois health insurance page cover?
This page covers 2 Illinois counties: DuPage County, Kane County. Insurers offer the same plans at the same premiums across all of them, so the 83 plans and $319.50/month starting price shown here apply to every one.
What is the health insurance marketplace in Illinois?
The Illinois (IL) health insurance marketplace is Get Covered Illinois (https://getcovered.illinois.gov/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 83 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Illinois?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Illinois start from $319.5/month before subsidies.
Which Medicaid plan is best in Illinois?
There is no single "best" Medicaid plan in Illinois — Medicaid is administered through MCOs such as Blue Cross Blue Shield of Illinois, Ambetter from Meridian, Oscar Health. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at Get Covered Illinois. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Illinois?
Short-term health insurance is sold outside the ACA Marketplace in Illinois by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Get Covered Illinois during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in IL?
Health insurance in IL starts as low as $319.5/month for a 30-year-old on a Bronze plan before subsidies. Most Illinois residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in IL for 2026?
The cheapest ACA option in IL for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Illinois plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Illinois for ACA plans?
Open Enrollment for Illinois residents runs from November 1 through January 15. Illinois runs its own exchange (Get Covered Illinois), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Illinois?
Bronze-tier plans in Illinois start as low as $319.5/month for a 30-year-old before subsidies. With APTC tax credits, many Illinois residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Illinois use HealthCare.gov or its own state exchange?
Illinois runs its own state-based Marketplace called Get Covered Illinois (https://getcovered.illinois.gov/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Illinois, not the federal government.
Has Illinois expanded Medicaid under the ACA?
Yes. Illinois has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Illinois?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Illinois residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the Get Covered Illinois subsidy calculator for your exact estimate.
What are the metal tiers in Illinois (Bronze, Silver, Gold, Platinum)?
Illinois ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Illinois?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Illinois through Get Covered Illinois. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Illinois ACA plans cover dental and vision?
Illinois ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Illinois plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Get Covered Illinois or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Illinois?
Outside Open Enrollment, Illinois residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Get Covered Illinois.
How do I find in-network doctors and hospitals in Illinois?
Each Illinois ACA plan has its own provider network. Before enrolling, look up the plan on Get Covered Illinois, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
What is Get Covered Illinois?
Get Covered Illinois is Illinois's official ACA Marketplace. Effective November 1, 2025, Illinois replaced the federal Marketplace with its own State-Based Marketplace, so Illinois residents now apply and enroll at getcovered.illinois.gov rather than HealthCare.gov. Existing HealthCare.gov accounts were migrated automatically for the 2026 plan year. Policymage shows the same plans and live premium data, then sends you to Get Covered Illinois to enroll.
Find the Right Plan in Chicago Western Suburbs — DuPage & Kane Counties
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Chicago Western Suburbs — DuPage & Kane Counties compares to the Illinois state average.
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