Click the logo to shop for Blue Cross Blue Shield of Illinois plans. The 2018 PPACA (Obamacare) Open Enrollment period begins on November 1, 2017 and ends on December 15, 2017.  During this 45 day window, individuals and families can purchase guaranteed issue individual health insurance (with no preexisting condition exclusions). Coverage will not begin until January 1, 2018. Depending on your projected 2018 MAGI – Modified Adjusted Gross Income – you may qualify for one or more federal health insurance subsidies to lower your premium, deductible, coinsurance and copays. To learn the income levels necessary to qualify for health insurance subsidies and search the Blue Cross and Blue Shield HMO and PPO networks scroll down this page. If you do not qualify for subsidies please click “Shop for unsubsidized plans OFF the exchange” below to purchase health insurance (off the exchange) directly from Blue Cross and Blue Shield Questions? Call (630) 674-1551. SCROLL DOWN THIS PAGE TO LEARN MORE.

Buying on the exchange? If you do qualify for subsidies please click “Shop for subsidized plans ON the exchange” below. You will be able to pick a plan, get your subsidies and finish the entire process much faster than using Healthcare.gov alone. HealthSherpa speeds up the Healthcare.gov process significantly.

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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. 

Determining your elibility for one or more federal subsidies

Depending on what you expect your 2018 total household MAGI – Modified Adjusted Gross Income = (after deductions but before taxes) to 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 CSR – Cost Sharing Reduction subsidy to lower your deductible. If you believe your 2018 total household MAGI will be lower than:

$48,240 for an individual
$64,960 for a couple
$81,680 for a family of three
$98,400 for a family of four
$115,120 for a family of five
$131,840 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.

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 much faster than working solely 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 carriers in your state. 

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 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. 2018 Federal Poverty Levels will not be released until late January 2018 so, the 2017 FPL chart will be used to determine subsidy eligibility for 2018 ACA Open Enrollment.

Please also note: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Children’s 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.

Shop for 2018 plans from Blue Cross Blue Shield of Illinois

Are your doctors and hospitals in the 2018 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

2018 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 2018 plans from Blue Cross Blue Shield of Texas

 

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 2018 plans from Anthem Blue Cross of Missouri

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

bcbsilmultistateplancomparisonchart2017

 

2017 Gold individual health plans comparison chart 

bcbsilgoldplancomparisonchart2017

 

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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