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Illinois Individual Health Insurance

There are many different Illinois individual health insurance options. Illinois has many different health insurance companies that are prominent on the national level and can be depended upon to provide quality health care insurance. Be sure to do your research and compare quotes to make sure that you find the individual health insurance plan that best fits your needs.

Individuals, families, and the self employed can all find a health insurance plan that offers coverage in their home zip code simply by using our free Illinois health insurance quote tool. Take 30 seconds and compare quotes from multiple IL companies offering health insurance in your area.

Use our free tool at the top of this page to get started finding Illinois health insurance now!

Find Cheap Illinois Individual Health Insurance

Illinois individual health insurance is a great way to save money on health insurance if you are in good health. Yes, you understood that correctly. In most places, including Illinois, individual health insurance is actually cheaper than group insurance for most people. By understanding the individual health insurance offerings in Illinois, you will be better equipped to make the right choice for your IL individual health insurance.

Illinois Individual Health Insurance Benefits

By choosing to opt for Illinois individual health insurance, you have many advantages on your side.

  1. You can choose the exact type of coverage that works best for you and your family. That means the ideal coverage, with the deductible, co-payments and out-of-pocket limits of your choice, to fit your needs and budget.
  2. You get the choice of a company that offers the type of service and products that you want. You may even be eligible for discounts because of multi-lines of insurance with the same company.
  3. It is the perfect choice if you are planning to change jobs, are between jobs, just starting out or transitioning to retirement. Your coverage is yours to take wherever you go.
  4. If you are a healthy individual, you would actually be saving money on insurance premiums by carrying an individual policy instead of a group one. That’s because with group policies you are subsidizing the health care costs of other people in the group who may not be as healthy and use the plan benefits more often (of course if you have an employer that will pay all or most of your premiums then take the free money!).

It’s important to realize that no one insurer or type of IL health insurance is “the best.” Health care needs and financial situations vary greatly. Picking the best provider for your personal needs means you have to know what you want and what is available.

Illinois Individual Health Insurance Plans: Making The Right Choice

There are a variety of individual health insurance plans in Illinois and they all have their benefits and drawbacks. By educating yourself about these options you will be able to choose the absolute best one for you and your family.

HMO (Health Maintenance Organization): This type of plan will cover your expenses as long as you use the in-network healthcare providers and facilities. If you opt to get healthcare out of network, it is at your own cost. This type of plan is the most inexpensive, but also most restrictive.


PPO (Preferred Provider Organization): This plan gives you more flexibility, because it pays for healthcare for both in-network and out-of-network providers, just at a higher rate for in-network. It is a more expensive type of plan because you are paying for the choices you enjoy.


POS (Point of Service): This plan is a combination of both the HMO and PPO. You usually choose a primary care physician or PCP  from the network to oversee your healthcare and provide referrals, and the plan will cover your costs. If your PCP refers you to an out-of-network provider, you will still be covered. However if you choose to go out-of-network on your own, or self-direct your care, it will be under PPO conditions and coverage.


Indemnity Plan: This is the traditional plan that has you pay up front and then reimburses you for the eligible medical expenses minus any co-payments, deductibles or maximums applicable. It offers the most flexibility, but has more work involved on your part with claims, receipts and paperwork.


Illinois Individual Health Insurance: Qualifying Is The Key

If you choose to apply for Illinois individual health insurance, you will need to undergo an underwriting qualification. The insurer will ask you questions about your health, and will often follow up with a physical examination and tests. They may even review your past medical records. They will then decide if you are a worthwhile risk to insure and at what rate.

If you have a pre-existing condition, the insurer may exclude any claims made based on it for a period of time or indefinitely. They may also charge you higher premiums or refuse to insure you altogether based on your health. Regardless of what is in your health history, it is important to be completely honest about it. The insurer will find out about it anyway and your policy may be cancelled and any claims denied.

If you can not find individual health insurance, Illinois has a program called CHIP, Comprehensive Health Insurance Program for those in your situation. Rates are very high, about 125-150% above regular insurer’s top rates. However, the plan is convenient is you have run out of options.

Additionally, you may want to ask your Illinois health insurance agent if you qualify for a guaranteed issue individual health insurance plan called an Illinois HIPAA health insurance plan. HIPAA plans tend to be more expensive than a regular IL individual health insurance plan so only choose this option if you are unable to be obtain coverage through a regular individual health insurance plan.

Illinois Individual Health Insurance Quotes

Illinois individual health insurance quotes have never been easier to obtain than right now. By using a free online quote tool, like the one at the top of this page, you will get a variety of quotes from top area insurers in no time.

They will be easily comparable and based on the exact same information. Get your Illinois individual health insurance quote now and start comparing different insurers right away.

Find Illinois health insurance today!

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