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Illinois Affordable Health Insurance

Affordable Illinois health insurance is not an illusion. Many top IL insurance companies have low cost Illinois health plans that will help you to save money on your monthly premiums. Blue Cross and Blue Shield of Illinois, UniCare, Humana, Golden Rule United Healthcare, Celtic, and Fortis Assurant all have plan options that can be quite affordable and often downright cheap.

3 Steps To Finding Affordable Illinois Health Insurance

Here are 3 quick and easy ways to find affordable Illinois health insurance.

1. Do your research. It is crazy to see some people simply take the first health insurance plan that they come across without even bothering to investigate a little deeper and see what other Illinois health insurance companies are offering. Choose a few reputable and well known companies and compare their plans side by side with a licensed independent Illinois health insurance agent.

2. Increase your deductible. The higher your plan deductible the lower your monthly premiums will be. Consider a Health Savings Account (HSA) to see if they fit you and your family’s health insurance needs.

3. Compare multiple Illinois health insurance quotes. Yes, you could go to each IL health insurance company directly and request health insurance quotes but why waste all of that time and effort? Take just a few moments and then view the top Illinois health insurance company’s rate quotes side by side in an easy compare format all from the comfort of your own home or office.

Searching for affordable Illinois health insurance need not be frustrating. Of course there are many Illinois health insurance agents and brokers that will bend over backwards to show you their most affordable IL health plans. The hard part is simply being able to compare all of the different Illinois insurance company’s plans side by side in an easy to compare format without being confused.

Deductible levels, coinsurance, copays, lifetime maximum benefits… all of the different terms associated with finding affordable IL health insurance can be overwhelming. Now your search for Illinois health insurance can be done the easy way! Take advantage of the online health quotes offered from top Illinois health insurance companies like Aetna, United Healthcare, Blue Cross Blue Shield, Humana and more.

Affordable IL health insurance is offered through many different avenues. Be sure to do your research and compare IL health insurance quotes from at least 3 different companies. Choose a health insurance carrier that is widely known and has a large IL network coverage area. Choosing a small fly by night insurance company without a strong track record of claims paying ability and customer service may save you a small amount of money on your monthly premiums but could well prove disastrous in the long run. It is a good guideline to keep in mind the old adage, “All health insurance is the same UNTIL you actually have to use it!”

Different IL health insurers are more competitive in certain IL zip codes than in others. Whether you are an individual, the head of a family or a self employed individual then take just 30 seconds to enter in your zip code and view quotes from top companies that offer coverage in your IL zip code.

Use our free quote tool at the top of the page to compare free affordable Illinois health insurance quotes now!

The Importance Of Finding An Affordable IL Health Insurance Plan

In Illinois, affordable health insurance is an important aspect of your finances. Most residents of Illinois already endure a high cost of living, therefore finding affordable health insurance is incredibly important. By making the right choices when purchasing health insurance and using some new products available to consumers, residents of Illinois will get affordable health insurance easily.

Illinois Affordable Health Insurance: Choosing Between Group and Individual Plans

There are 2 sources in Illinois for affordable health insurance; they are group insurance plans and individual insurance plans. Depending on your health, one is much less expensive then the other. Understanding which is the better choice for you will expedite your search for health insurance that fits your budget.

Individual health insurance coverage is available privately through many insurers operating throughout Illinois, however you must pass the underwriting requirements of the company in order to be accepted. Only people who are healthy and present a reasonable risk to insurers will be offered coverage (unless one is eligible for a guaranteed issue individual health insurance plan called an IL HIPAA health insurance plan). If you are a very healthy individual, you will have the best rates and not be subsidizing the health insurance of less healthy people.

Group insurance coverage is available primarily through employers, but also through other groups you may belong to like professional associations, business networking groups and more. Group plans are often ideal for someone who has less than perfect or even poor health and would tend to pay higher rates in an individual plan.

Typically there is no underwriting requirement to be accepted under the group plan; any group member is eligible and premiums are the same across the group. Therefore, healthy people end up paying higher rates than they should in order to subsidize less healthy individuals. Due to this subsidization, those who are not as healthy get a break on the premiums they would otherwise have to pay, and in many cases get accepted for coverage that they would not even be offered if it were individual insurance.

Illinois Affordable Health Insurance: Choosing The Right Type of Plan

  1. HMO:  This type of plans works well for someone who is generally healthy, wants insurance in case of catastrophe and does not have a major physician preference. It is the least expensive coverage and the most restrictive.
  2. PPO: This plan is great for those who definitely have physician preferences, and want flexibility in their coverage. You have to pay for the flexibility, but it may be worth it to get your choice of healthcare provider and the convenience of not needing specialist referrals. You get differing rates of coverage, depending on if your provider is in-network or out-of-network.
  3. POS: This plan lets you self-direct your care much more than with an HMO, and actually has aspects of the HMO and some of the PPO in its makeup. When facing a medical issue, you can use the HMO type coverage and let your primary care physician control your care. You can also opt to use the PPO type coverage and direct the care yourself and then the PPO rules apply for coverage. It gives a compromise on premium prices between the 2 more common types of policy.
  4. Fee-for-service: This is the traditional indemnity plan that gives you the most flexibility of any type of plan. You can see any doctor you choose and will be reimbursed the appropriate percentage, minus deductibles. It will also pay based on usual and customary charges for the same procedure in your area. With this type of policy, everything is paid up-front, therefore you may have a lot of cash tied up, waiting for reimbursements and there are annual caps on the coverage to consider too.

Illinois Affordable Health Insurance: Savings Tips

There are a couple of new health insurance products on the market today that help make  your Illinois health insurance more affordable. They include:

  • Health Savings Accounts or HSAs: This type of program allows you to put pre-tax money into a savings account to be used for co-payments, co-insurance, deductibles, over-the-counter expenses and many other healthcare costs.
  • Discount Programs: These programs offer you a discount card and a variety of providers who accept it. They are a great way to save money on things that are not covered, or for vision or dental if you do not have those types of coverage. They usually come free of charge with an insurance policy.

Utilizing one of the products above can be a great way to keep money in your pocket that you can spend on things like gym fees and organic foods to keep you healthy in the first place!

Illinois Affordable Health Insurance Quotes

The first step to getting Illinois affordable health insurance is to get several quotes from insurers that serve your area.

The quickest and most efficient way to do so is by using a free online quote tool like the one above. Just enter your zip code, answer some easy questions and in no time, you will have multiple quotes from top insurers in your area.

Get started finding Illinois health insurance now!

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