The landscape of health insurance in Illinois includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.
HealthCare.org offers free health insurance quotes for Obamacare individual insurance plans, and also provides access to short-term health insurance, small employer health plans, and Medicaid information.
Illinois and the Affordable Care Act
When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Illinois elected to establish its own state marketplace or “state exchange.” When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.
Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.
The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.
Medicaid expansion in Illinois
Illinois is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.
Illinois Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.
Get free quotes on Illinois health insurance plans from leading companies, and apply for health care coverage directly online.
Overall Healthiness in Illinois has been slightly decreasing over the past few years. In 2014, it was ranked as the 30th healthiest state in the country according to America’s Health Ranking. There are some key Health issues that Illinois has to work on to revert the current tendencies and regain healthiness.
Illinois needs to increase its public health funding. If they manage to have good funding and accessible care, the incidence of the population that lack health insurance coverage can go down. Illinois needs to work on achieving a healthy lifestyle that leads to effective preventable health measures. This will mean healthier and happier residents, and less unnecessary health expenses.