HSA-Eligible Health Insurance Plans in Illinois (IL) for 2026
High-Deductible Health Plans (HDHPs) that qualify you to open a Health Savings Account in Illinois. 10+ plans available near Chicago. Starting from $331.34/month.
Are HSA-eligible health plans available in Illinois?
Yes, 10 or more HSA-eligible HDHP plans are available in Illinois (IL) near Chicago. Plans start from $331.34/month before subsidies. HSA plans pair a high deductible with tax-advantaged savings (2026 limit: $4,400 individual / $8,750 family).
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
How HSA-eligible plans work in Illinois
A Health Savings Account paired with a qualifying High-Deductible Health Plan (HDHP) is the only health-coverage option in Illinois that offers a triple tax advantage: your contributions are tax-deductible, the money grows tax-free, and withdrawals for qualified medical expenses are never taxed. No other account, not a 401(k), not an IRA, gives you all three. HDHPs usually carry a lower monthly premium and a higher deductible than richer plans, so whether one costs less over a year depends on how much care you use. Compare total annual cost (premium × 12 plus expected deductible and copays) across plans.
HSA funds roll over every year; there's no "use it or lose it" rule like a Flexible Spending Account (FSA). You can invest the balance, carry it between jobs, and after age 65 withdraw it for any purpose (paying only ordinary income tax, like a traditional IRA).
Many Illinois savers treat an HSA as a stealth retirement account: pay current medical bills out of pocket, let the HSA compound for decades, and reimburse yourself tax-free later.
To contribute, you must be enrolled in an HSA-eligible HDHP, not enrolled in Medicare, and not claimed as someone else's tax dependent.
2026 Individual HSA Limit
$4,400
Tax-deductible contribution
2026 Family HSA Limit
$8,750
For family coverage plans
Age 55+ Catch-Up
+$1,000
Additional contribution allowed
HSA-Eligible Plans in Illinois
Sorted by premium · Near Chicago, IL · 30-year-old · Before subsidies
Oscar Health Plan, Inc. Bronze Simple (Select)
Oscar Health Plan, Inc.
$331.34/mo
$3,976.08/yr
Blue Cross and Blue Shield of Illinois MyBlue Plus Bronze℠ Standard - Select Rx Copays
Blue Cross and Blue Shield of Illinois
$333.17/mo
$3,998.04/yr
Oscar Health Plan, Inc. Secure (Choice)
Oscar Health Plan, Inc.
$340.23/mo
$4,082.76/yr
Blue Cross and Blue Shield of Illinois MyBlue Plus Bronze℠ 903
Blue Cross and Blue Shield of Illinois
$343.87/mo
$4,126.44/yr
Oscar Health Plan, Inc. Bronze Classic Standard (Select)
Oscar Health Plan, Inc.
$348.18/mo
$4,178.16/yr
UnitedHealthcare UHC Bronze Essential (No Referrals)
UnitedHealthcare
$350.25/mo
$4,203/yr
Blue Cross and Blue Shield of Illinois MyBlue Plus Bronze℠ 912
Blue Cross and Blue Shield of Illinois
$359.85/mo
$4,318.2/yr
Blue Precision Bronze HMO℠ Standard - Select Rx Copays
Blue Cross and Blue Shield of Illinois
$364.83/mo
$4,377.96/yr
UnitedHealthcare UHC Bronze Standard (No Referrals)
UnitedHealthcare
$372.53/mo
$4,470.36/yr
Oscar Health Plan, Inc. Bronze Classic Standard (Choice)
Oscar Health Plan, Inc.
$373.70/mo
$4,484.4/yr
Prices are for a 30-year-old near Chicago without subsidies. Exact plan availability depends on your county. See plans for your ZIP →
What is a Health Savings Account (HSA)?
An HSA is a tax-advantaged savings account you can open when you have an HSA-eligible High-Deductible Health Plan (HDHP). It offers a triple tax advantage that no other account type provides.
Tax-Deductible
Contributions reduce your taxable income, like a traditional IRA.
Tax-Free Growth
Earnings grow tax-free. Invest in mutual funds for long-term growth.
Tax-Free Withdrawals
Use funds for qualified medical expenses with no taxes or penalties.
After age 65, HSA funds can be withdrawn for any purpose (not just medical) with no penalty, just ordinary income tax, like a traditional IRA. This makes HSAs a powerful retirement savings vehicle.
HSA vs FSA: Key Differences
| Feature | HSA | FSA |
|---|---|---|
| Requires HDHP plan | Yes | No |
| Employer or self-employed | Both | Employer only |
| 2026 individual limit | $4,400 | $3,300 |
| Funds roll over | Yes, always | Use-it-or-lose-it |
| Can invest funds | Yes | No |
| Owned by employee | Yes | No (employer-owned) |
| Available after retirement | Yes | No |
HSA Plan Trade-offs
Potential advantages
- ✓ Monthly premiums are usually lower than richer plans
- ✓ HSA contributions reduce taxable income
- ✓ Unused HSA funds roll over every year
- ✓ HSA balances can be invested and kept between jobs
- ✓ After 65, HSA funds can be used for any expense (taxed if non-medical)
Potential drawbacks
- ✗ Higher deductible before the plan pays for most care
- ✗ Non-preventive care and prescriptions count toward the deductible
- ✗ You pay more upfront in a year with heavy medical use
- ✗ Contributions are capped by annual IRS limits
- ✗ Copays and coinsurance still apply after the deductible, up to the out-of-pocket maximum
Frequently asked questions about ACA insurance in Illinois
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. 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 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Illinois start from $331.34/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, ~$22,025/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 (November 1 to 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 $331.34/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 Bronze plan.
What is the cheapest health insurance option in IL for 2027?
The cheapest ACA option in IL for 2027 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.
How do I get health insurance in Illinois?
To get health insurance in Illinois, enroll in an ACA Marketplace plan through Get Covered Illinois during Open Enrollment, which runs November 1 through January 15. Plans start at $331.34/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Illinois?
There is no single best health insurance plan in Illinois; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Illinois per month?
Health insurance in Illinois starts at $331.34 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Illinois?
Free or near-free coverage in Illinois comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for Illinois residents on lower incomes.
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 health insurance cost in Illinois?
Health insurance in Illinois starts as low as $331.34/month for a 30-year-old on a Bronze plan 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 $22,025/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 credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. 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 $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (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). Out-of-network costs can exceed the premium difference between plans.
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.
Affordable, budget, and low-cost ACA plans in Illinois
Whether you're searching for cheap, affordable, budget-friendly, low-cost, inexpensive, economical, or discount health insurance in Illinois, every ACA Marketplace plan available through Get Covered Illinois must cover the same 10 Essential Health Benefits set by federal law: preventive care, emergency services, hospitalization, prescription drugs, maternity, mental health, and more. No Marketplace plan can deny you for a pre-existing condition or charge you more for being sick.
The only real differences between a "cheap" plan and an expensive one are the monthly premium, the metal tier, the provider network, and how much you pay out of pocket when you actually use care.
Below we break down every way to find lower-cost coverage in Illinois so you can match a plan to both your budget and your expected medical needs. For the strategies that apply in every state (subsidy eligibility, metal-tier choice, HSA savings, and Medicaid). See our national guide to affordable health insurance.
You might know Illinois as IL. The plans and pricing below are the same no matter which name you use.
Budget Marketplace coverage in Illinois
Bronze-tier plans have the lowest monthly premium of any metal level in Illinois, making them the budget choice for healthy adults who rarely visit the doctor. Expect a high deductible (often $7,500+) in exchange for the low monthly cost. If you qualify for the Premium Tax Credit (APTC), your effective premium can drop significantly; many Illinois residents pay $0–$50/month for Bronze coverage after subsidies are applied.
Low-cost Silver plans & Cost-Sharing Reductions
Silver-tier plans are the only tier eligible for Cost-Sharing Reductions (CSR), which lower your deductible, copays, and out-of-pocket maximum if your household income is between 100% and 250% of the Federal Poverty Level. For Illinois residents in that income range, an enhanced Silver plan carries lower cost-sharing than a standard Silver plan at the same premium. Whether that outweighs a lower Bronze premium depends on how much care you use; compare total annual cost for both.
Discount HSA-eligible HDHP options
HSA-eligible High-Deductible Health Plans (HDHPs) in Illinois let you contribute pre-tax dollars to a Health Savings Account. For 2026 IRS limits, individuals can contribute up to $4,400 and families up to $8,750. Unused funds roll over year to year, and after age 65, you can withdraw for any expense without penalty. An HDHP pairs a low, economical premium with a tax-advantaged savings vehicle.
Cheap catastrophic plans (under 30 only)
Illinois residents under 30 (or those with a hardship/affordability exemption) may qualify for catastrophic coverage. Premiums are the lowest of any tier, but the deductible equals the federal out-of-pocket maximum (~$9,200 in 2025) so it's true emergency-only coverage. Catastrophic plans don't qualify for APTC subsidies.
Inexpensive HMO vs. PPO networks in Illinois (IL)
Network type is one of the biggest levers on price in Illinois. HMO and EPO plans restrict you to an in-network provider list but carry noticeably lower premiums. PPO plans cost more but let you see out-of-network providers, usually at higher cost-sharing. Each plan has its own provider directory, so check whether your doctors are in-network before comparing prices.
Comparing total annual cost in Illinois
The monthly premium is only part of what a plan costs. Total annual cost is the premium × 12, plus the deductible and copays you expect to pay for the care you use. Plans with higher premiums usually have lower deductibles and copays, and the reverse, so the totals shift with how often you see doctors or fill prescriptions. Enter your ZIP, age, and income in our compare tool to sort plans by estimated total cost after subsidies, not just headline premium.
Health insurance companies in Illinois
These are the major health insurers that have offered ACA Marketplace plans to Illinois residents in recent plan years. Carrier participation and the counties each insurer serves change every year, so always confirm current availability for your ZIP code on Get Covered Illinois before enrolling. Every plan from every carrier below covers the same federally-required Essential Health Benefits; they differ on premium, provider network, and which doctors and hospitals are in-network.
When comparing insurers in Illinois, look up each plan's provider directory on Get Covered Illinois and confirm whether your doctors, preferred hospitals, and prescription drugs are covered in-network. Out-of-network care can cost far more than a small premium difference.
Illinois health insurance marketplace: how to enroll for 2027
Illinois residents shop for ACA-compliant Marketplace plans through Get Covered Illinois. Open Enrollment for plan year 2027 runs from November 1 through January 15 on Get Covered Illinois. Outside that window, you need a Qualifying Life Event (job loss, marriage, birth, move) to enroll mid-year via a Special Enrollment Period.
Need help choosing? Get Covered Illinois offers free, certified enrollment assistance; start at getcovered.illinois.gov.
- 1
Gather your household details
Estimate your 2027 household income (gross, before taxes), everyone you'll claim as a tax dependent, current health insurance status, and your Illinois ZIP code.
- 2
Compare plans across metal tiers
Use a free comparison tool to see Bronze, Silver, Gold, and Platinum plans side by side. Pay attention to monthly premium, deductible, out-of-pocket maximum, and whether your doctors are in-network.
- 3
Check subsidy eligibility (APTC + CSR)
Enter your projected household income and Get Covered Illinois will calculate your Advance Premium Tax Credit and tell you if you qualify for Cost-Sharing Reductions on Silver plans.
- 4
Enroll directly through Get Covered Illinois
Submit your application at getcovered.illinois.gov/. Coverage usually starts January 1 if you enroll by mid-December; Get Covered Illinois confirms its exact cutoff.
- 5
Pay your first premium to activate
Coverage is not active until your insurer receives your first premium payment. You'll receive payment instructions directly from the carrier within a few business days of enrollment.
Medicaid eligibility in Illinois
Illinois has expanded Medicaid under the ACA. If your household income is at or below 138% of the Federal Poverty Level (about $22,025/year for an individual, $45,540/year for a family of 4), you likely qualify for free or very low-cost Medicaid instead of a Marketplace plan.
Illinois Medicaid is administered through managed care organizations (MCOs) including Blue Cross Blue Shield of Illinois, Ambetter from Meridian, Oscar Health, Aetna CVS Health. Which plan is best depends on your county, doctors, and prescriptions, not a single statewide winner.
Medicaid in Illinois covers doctor visits, hospital care, prescription drugs, preventive screenings, mental health care, and more. There's no Open Enrollment window; you can apply year-round. Apply directly through your state Medicaid office or Illinois's marketplace, which will check your eligibility automatically.
APTC subsidy examples for Illinois households
The Advance Premium Tax Credit (APTC) caps what Illinois residents pay for the benchmark Silver plan as a percentage of household income. For 2027 the cap runs from 2.15% of income below 133% of the Federal Poverty Level (FPL) to 10.22% between 300% and 400% FPL (IRS Rev. Proc. 2026-26). Above 400% FPL there is no credit: the enhanced rules that removed that limit expired after 2025.
| Household size | Annual income | % of FPL | Capped premium share |
|---|---|---|---|
| 1 person | $23,940 | 150% | 4.30% of income |
| 1 person | $39,900 | 250% | 8.66% of income |
| 2 persons | $43,280 | 200% | 6.78% of income |
| 4 persons | $82,500 | 250% | 8.66% of income |
| 4 persons | $132,000 | 400% | 10.22% of income |
Federal Poverty Level figures use the 2026 HHS guidelines for the 48 contiguous states & DC. Alaska and Hawaii use higher FPL thresholds. Actual subsidy depends on your county's benchmark Silver premium, household composition, and tax filing status. Always verify with official Marketplace before enrolling. Full chart for households of 1 to 8: ACA income limits.
Top counties in Illinois for ACA plans
Plan availability, premiums, and participating insurers vary by county within Illinois. These are the five most populous counties. Enter the listed ZIP code in our compare tool to see plans for that area.
More Illinois health insurance guides
Plans shown based on input. Not insurance advice. Policymage is not a licensed broker or agent.
Find HSA Plans in Illinois
Enter your ZIP code to see all HSA-eligible plans available in your county.
2026 HSA Limits
Individual: $4,400
Family: $8,750
Catch-up (55+): +$1,000