Click the logo to shop for Blue Cross Blue Shield of Illinois plans. Scroll down this page to get Blue Cross quotes from other states. The 2017 ACA Open Enrollment period ended on January 31, 2017. To purchase health insurance now, one must experience a Q.L.E. – “Qualifying Life Event” and as such qualify for an S.E.P. – “Special Enrollment Period”. Examples of QLE’s are losing employer sponsored health insurance, moving, getting married or divorced and having a baby or adopting a child. If you qualify for an S.E.P., you have up to 60 days following that event to enroll in an individual or family health insurance policy. If you miss that window, you have to wait until the 2018 ACA Open Enrollment period begins again on November 1, 2017 and ends on December 15, 2017, in which case your coverage will begin on January 1, 2018. You can however enroll in Medicaid or C.H.I.P. – Chidren’s Health Insurance Plan at any time of the year without a Qualifying Life Event if your income is low enought to qualify. If your income is low enough to qualify. Call us at (630) 674-1551 or click here to email us with questions.

Buying on the exchange? If you qualify for a subsidy please click the link below. You will be able to pick a plan, get your subsidy and finish the entire process in less than 15 minutes. Using our Health Sherpa system is a much faster & more secure process than working with Healthcare.gov

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Shopping from another state? Call us toll free at (866) 724 7123 or scroll down to get quotes from Blue Cross in your state. 

Shop for 2017 plans from Blue Cross Blue Shield of Illinois

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Are your doctors and hospitals in the 2017 Blue Cross Blue Shield of ILLINOIS PPO or HMO networks?

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Dental insurance coverage from Blue Cross Blue Shield of ILLINOIS

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bluecaredental1a to see the outline of coverage for Blue Care Dental 1A plan.
bluecaredental1b to see the outline of coverage for Blue Care Dental 1B plan.
bluecaredental1aforkids to see the outline of coverage for Blue Care Dental for kids 1A plan.
bluecaredental1bforkids to see the outline of coverage for Blue Care Dental for kids 1B plan.

To apply for BCBSIL Dental insurance please download and print the paper application here > bluecaredentalapplication
Once completed, please fax your Dental insurance application to (630) 582-1043.

To see if your dentist is in the BCBSIL Dental PPO click here > BlueCare® Dental (DPPO)

Prescription drug coverage from Blue Cross Blue Shield of ILLINOIS

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Preventive care coverage from Blue Cross Blue Shield of ILLINOIS

Preventative care

Determining your subsidy

DETERMINING YOUR SUBSIDY

Depending on what your 2017 total household MAGI – Modified Adjusted Gross Income – (after deductions but before taxes) will be, you may qualify for a significant APTC – Advance Premium Tax Credit (federal subsidy) under the new health care law to lower your premiums. You may also qualify for a Cost Sharing subsidy to lower your deductible. If your 2017 total household MAGI will be lower than:

$47,520 for an individual
$64,080 for a couple
$80,640 for a family of three
$97,200 for a family of four
$113,760 for a family of five
$130,320 for a family of six

you will be better off financially by shopping for a plan on the exchange (via Healthcare.gov) in order to receive an Advance Premium Tax Credit and/or a Cost Sharing reduction to reduce the premium and deductibles of either the Bronze, Silver, Gold or Platinum Qualified Health Plans.

Please note: If your income is lower than the 2017 Federal Poverty Level Information – 2017 FPL in your state, which is less than 138% of the FPL – Federal Poverty Level in states that expanded Medicaid and less than 100% of the FPL in states that did not.  You will be offered Medicaid and you will not be able to qualify for subsidized health insurance. You can purchase health insurance even if you qualify for Medicaid but you must do so without a subsidy. Click the chart below to determine the current Federal Poverty Level and percentages above it.

Please also note: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Childrens Health Insurance Plan – under Medicaid you may not be able to insure your children on your policy. Healthcare.gov will instead send them to Medicaid. You may wish at that juncture to purchase private health insurance at full price for your children instead.

2016 IRS fines for not having health insurance or for purchasing non qualified Temporary or Short Term health plans.

You will be subject to a 2.5% of your MAGI ‘fine’ (TAX) for not having qualified health insurance or purchasing non qualified Temporary or Short Term health insurance since these plans do not include the “essential health benefits” under the PPACA “Obamacare”.

Rest assured though, if you are self employed and do not over pay your taxes you will not pay that ‘fine’ (TAX) for the only recourse the IRS has to collect that fine is to hold your tax refund. All criminal penalties for non compliance were removed from the health care law prior to passage.

If you don’t have a ‘Qualified Health Plan’ in 2016, you’ll pay the higher of these two amounts:

  • 2.5% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.

  • $695 per person for the year ($347.50 per child under 18).

  • There are maximum penalties for individuals and families. They are significant. To determine your maximum penalty click here.

 

Click the logo to shop for Blue Cross Blue Shield of Texas plans for you and your family. Call toll free at (866) 724-7123 for guidance.

 

Shop for 2017 plans from Blue Cross Blue Shield of Texas

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Click the logo to shop for Anthem Blue Cross Blue Shield of Wisconsin plans for you and your family. Once you click the logo scroll to the bottom of the first page to search for doctors and hospitals that are in the Anthem Blue Cross network. Dental and Vision plans are also available by clicking on the logo to the left. Call us toll free at (866) 724-7123 for guidance.

Shop for 2017 plans from Anthem Blue Cross of Wisconsin

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Click the logo to shop for Anthem Blue Cross Blue Shield of Indiana plans for you and your family. Once you click the logo scroll to the bottom of the first page to search for doctors and hospitals that are in the Anthem Blue Cross network. Dental and Vision plans are also available by clicking on the logo to the left. Call us toll free at (866) 724-7123 for guidance.

Shop for 2017 plans from Anthem Blue Cross of Indiana

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Click the logo to shop for Anthem Blue Cross Blue Shield of Missouri plans for you and your family. Once you click the logo scroll to the bottom of the first page to search for doctors and hospitals that are in the Anthem Blue Cross network. Dental and Vision plans are also available by clicking on the logo to the left. Call us toll free at (866) 724-7123 for guidance.

Shop for 2017 plans from Anthem Blue Cross of Missouri

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2017 Silver individual health plans comparison chart

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2017 Bronze individual health plans comparison chart

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2017 Multi-State individual health plans comparison chart

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2017 Gold individual health plans comparison chart 

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2017 Blue Focus Care individual health plans comparison chart:

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silver

 

 

                                           2014 & 2015 BCBSIL Silver individual & family plans are linked below

 

 

Blue Precision Silver HMO Plans On the SHOP Exchange
Blue Precision Silver HMO Plans Off the SHOP Exchange

Golds

                                              Click here to preview 2016 BCBSIL Gold individual and family plans

 

 

                                             2014 & 2015 BCBSIL Gold individual & family plans are linked below

 

 

platinums

                                    Click here to preview BCBSIL 2016 Platinum individual and family plans                                                     

                                    2014 & 2015 BCBSIL Platinum individual & family plans are linked below

Bronzes

                                         Click here to preview BCBSIL 2016 Bronze individual and family plans                                                    

 

                                         2014 & 2015 BCBSIL Bronze individual & family plans are linked below

 

Blue Precision Bronze HMO Bronze Plans On the SHOP Exchange
Bronze HMO Bronze Plans Off the SHOP Exchange

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