IlIllinois Health Insurance – Health Plan One

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Individuals in Illinois Without Health Insurance?

For more information on Illinois High Risk Health Insurance, read: CHIP Information

In Illinois, medical underwriting is allowed. Rates are based on the community rate including age, gender, location, industry, group size, and family composition. For pre-existing condition requirements the carrier may look back in a consumer’s medical history 6 months and impose a 12 month exclusionary period for those that did not have prior medical coverage.

If you're looking to secure small business health insurance coverage, we need some information from you about your business. Begin by inserting your zip code at the top of the page.

Illinois offers COBRA (the Consolidate Omnibus Budget Reconciliation Act of 1985). Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.

To be eligible for COBRA coverage, you must have been enrolled in your employer’s health plan when you worked and the health plan must continue to be in effect for active employees. COBRA continuation coverage is available upon the occurrence of a qualifying event that would, except for the COBRA continuation coverage, cause an individual to lose his or her health care coverage.

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

Income requirements:

Parents
- Non-Working: 133% of the Federal Poverty Level
- Working: 140% of the Federal Poverty Level
Children
- Ages 1-5: 133% of the Federal Poverty Level
- Ages 6-19: 133% of the Federal Poverty Level
Pregnant Women and Infants
- Pregnant Women: 200% of the Federal Poverty Level
- Infants Ages 0-1: 200% of the Federal Poverty Level

Other populations

Medically Needy Individuals- 40% of the Federal Poverty Level Medically Needy Couples- 39% of the Federal Poverty Level

Supplemental Security Income Recipients- 41% of the Federal Poverty Level

Aged, blind, and disabled- 85% of the Federal Poverty Level

Covered Services include the following:
Doctor visits, dental care, well-child care, immunizations for children, specialty medical services, mental health and substance abuse services, hospital care, nursing facility care, emergency services, prescription drugs, family planning, and medical equipment and supplies.

Co-Payments

There are no co-payments.

Illinois Health Insurance Quotes

Illinois Health Insurance Companies

Illinois Health Insurance

Illinois Health Insurance High Risk Pool

Illinois Health Insurance for Groups and Small Businesses (2-50 employees)

Illinois COBRA Individual Health Coverage

Medicaid in Illinois