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Illinois Health Insurance

Illinois health insurance offers a variety of things that are not common to other health insurance offerings throughout the country. In Illinois, health insurance is truly accessible to all children through a special plan and covers infertility issues thanks to a state law.

Also, you’ll find that Illinois health insurance is offered by a wide variety of insurers, which makes it easy for you to find coverage that fits your needs to a tee.

Read on to learn some of the specific money saving tips that we have compiled on Illinois health insurance and then use our free quote comparison tool at the top of the page to get a free Illinois health insurance quote comparison from the top insurers offering plans in your county.

Illinois Health Insurance Specifically For Children

Illinois has a cutting edge program called All-Kids and is the first of its kind in the country. All-Kids provides accessible and affordable health insurance for all children in the state.

Illinois already had a plan in place to offer health coverage to children from low-income families. However, those in middle-income families were falling through the cracks.

All-Kids is a health insurance program that is available to all children under the age of 18, living in Illinois, regardless of the income of their families. The premium the family pays per child will change, but the access to affordable coverage is still there.

Illinois Health Insurance: Infertility Coverage

Illinois has made it law that group health coverage through employers of more than 25 employees must cover infertility. This is a revolutionary idea, as most infertility treatments are not covered by insurance.

To be eligible, you must be a resident of Illinois and unable to conceive after a year of trying or unable to bring a pregnancy to a healthy birth. Amongst the things that must be covered by such coverage are:

  1. diagnostic testing

  2. in vitro fertilization

  3. prescription drugs

  4. artificial insemination

  5. sperm and egg donation

  6. other named procedures

Illinois Group Health Insurance

Many insurers are beginning to offer a very wide range of group health insurance plans in Illinois. From Health Savings Accounts (HSA’s) to Health Reimbursement Arrangements (HRA’s), to Section 125 Cafeteria plans; there are a number of different types of IL group health plans to investigate for your business. However, keep in mind that individual health insurance in Illinois is roughly half the cost of a similar group health plan.

Illinois Individual Health Insurance

Illinois individual health insurance plans are about the half the cost of their group counterparts because of the differences in underwriting. The coverage is roughly the same (with the exception being that maternity insurance is usually covered automatically with a group plan while it costs extra to add on maternity health insurance coverage to an Illinois individual plan) but one must be fairly healthy in order to pass through the individual health plan medical underwriting process. The only exception to this stringent medical underwriting process is if one qualifies for a guaranteed issue Illinois HIPAA health insurance plan that covers all pre-existing conditions.

Choosing The Best Illinois Health Insurance Company

There are numerous Illinois health insurance companies that offer coverage to residents throughout the state. Some of the well-known ones are listed below.

  1. Aetna

  2. Humana

  3. Golden Rule


  5. Blue Cross Blue Shield

  6. Celtic

  7. Cigna

  8. Great-West

  9. Sound

  10. Group Health Plan

  11. Harmony

  12. United Healthcare

When you have narrowed your choice down to one or two insurers that you are seriously considering, you need to look at the companies, their offerings, service and stability.

  1. Check with the Illinois Division of Insurance to find out the kinds of complaints, if any, that have been made about the company.

  2. Do a simple online search to learn how quickly the company pays its claims.

  3. Investigate the extras the company offers, like online medical dictionaries, discount cards and wellness programs.

  4. Check with at least one of the independent insurance ratings companies, like Standard & Poor’s or Moody’s, to learn how the company is regarded in terms of financial strength and ability to meet obligations, present and future.

By doing the right amount of research you will be confident in your choice of IL health insurance provider for your needs and those of your family.

Illinois Health Insurance Online Quotes

Getting Illinois health insurance quotes online has a variety of advantages.

  1. It takes a small amount of time to answer the questions. You do not have to call company after company and answer the same questions every time.

  2. Experts recommend getting at least 3 quotes to compare before making an insurance choice. Online tools typically provide you with more than that number and make it easy to compare because they’re all based on the same information.

  3. You can get your quote whenever you want. Online quote tools are always open and available; therefore you can shop for health insurance anytime 24 hours a day.

  4. You get a more diverse selection of quotes. If you were to call around for quotes, you would probably only contact the companies you are familiar with. With online quote tools, often you get great quotes from companies you may never even have heard of before.

Compare Illinois Health Insurance Rates Now!

When you are ready to start shopping around for your Illinois health insurance plan, there is only one sensible way to do it. A free online quote tool is the quick and efficient way to get quotes and rates on Illinois health insurance. You simply click on the quote tool, found at the top of this page, input your zip code and answer a few questions.

In no time, you’ll be rewarded with a selection of quotes from top area insurers. It’ll be easy to compare quotes and coverage for the best Illinois health insurance possible for you and your family.

Return to the quote tool at the top of this page and get started with your IL health insurance quote now!