Until November 1, 2024 the health insurance exchanges will be closed to all applicants except those who experience a Qualifying Life Event.

The 2024 ACA (Affordable Care Act) open enrollment period ended on January 15, 2024. Until November 1, 2024 the health insurance exchanges will be closed to all applicants except those who experience a Q.L.E. – Qualifying Life Event – such as marriage, divorce, birth or adoption of a child, moving from one state to another or loss of employer sponsored coverage. Applicants who experience a Q.L.E. can apply under an S.E.P. – Special Enrollment Period – within 60 days of experiencing a Q.L.E. Depending on your total household A.G.I. – Adjusted Gross Income – you may qualify for an A.P.T.C. – Advance Premium Tax Credit which will reduce your cost for health insurance. To shop for 2024 ACA (Obamacare) individual and family policies from Blue Cross Blue Shield of Illinois (and all other carriers) click the Blue Cross logo.

Advance Premium Tax Credits (federal health insurance subsidies) have increased significantly since April 1, 2021 due to the passage of the American Rescue Plan. Those enhanced subsidies have been extended until 2026 due to the passage of the I.R.A. – Inflation Reduction Act. Depending on your income, you may find a more affordable plan even if you earn a substantial income. To see if you qualify, click subsidy. For expert guidance at no cost to you, call (630) 582-1043 or click contact us.

New improvements include the addition of the Northwestern Medical Group, the Northshore Medical Group and Rush University Medical Center into the national Blue Choice Preferred PPO network. Depending on your total household M.A.G.I. – Modified Adjusted Gross Income – you may qualify for one or both federal subsidies. The first being an A.P.T.C. – Advance Premium Tax Credit – which reduces monthly premiums. The second being C.S.R. – Cost Sharing Reduction – which reduces out of pocket costs but only on Silver level plans.

Blue Cross Blue Shield of Illinois was named one of America’s best insurance companies by Forbes.

To pay your Blue Cross monthly premium online please click here.

Determining your eligibility for subsidies

Advance Premium Tax Credits (federal health insurance subsidies) have increased significantly since April 1, 2021 due to the passage of the American Rescue Plan. Those enhanced subsidies have been extended until 2026 due to the passage of the I.R.A. – Inflation Reduction Act. Depending on your income, you may find a more affordable plan even if you earn a substantial income. To see if you qualify for a federal subsidy click here. You will be able to shop all carriers, choose a plan, get your subsidy and finish the process much faster than working solely with Healthcare.gov. You can also purchase ACA-qualified plans without a subsidy using the same link if you do not qualify for an Advance Premium Tax Credit.    

Please note: If your income is lower than the Federal Poverty Level Information 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 as such will not be able to qualify for subsidized private health insurance. You can purchase private 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 note: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Children’s Health Insurance Plan – you may not be able to insure your children on your policy. Healthcare.gov will instead send a referral to your state’s CHIP program. In Illinois, that program is “All Kids Covered“. You may wish to purchase private health insurance at full price for your children instead if you cannot find a Pediatrician who will accept “All Kids Covered”.

Preventive Care: All ACA-qualified (Obamacare) health insurance policies must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. Click here to see the list. Be sure to click on “For all Adults”, “For Women” and “For Children” to see entire list.

2024 Blue Cross Blue Shield of Illinois individual health insurance

Click here to search the outpatient prescription drug Formulary list for PPO Individual ACA-qualified (Obamacare) plans.
Click here to search the outpatient prescription drug Formulary list for HMO Individual ACA-qualified (Obamacare) plans.

BLUE CHOICE PREFERRED PPO PLANS FOR 2024

Blue Choice Preferred national PPO network search tool.

Blue Choice Preferred Bronze PPO 701 – Rx Copays for 2024
Blue Choice Preferred Bronze PPO 601 – Rx Copays for 2024
Blue Choice Preferred Bronze PPO 201 for 2024

Blue Choice Preferred Bronze PPO 202 for 2024(HSA-qualified)
Blue Choice Preferred Bronze PPO 708 for 2024

Blue Choice Preferred Silver PPO 203 for 2024
Blue Choice Preferred Silver PPO 303 for 2024 (OFF exchange only)
Blue Choice Preferred Silver PPO 706 for 2024
Blue Choice Preferred Silver PPO 801 – Rx Copays for 2024

Blue Choice Preferred Gold PPO 707 for 2023
Blue Choice Preferred Gold PPO 204 – Rx Copays for 2024

Blue Choice Preferred Security PPO 200Catastrophic plan for those under age 30 only

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2024

Blue Precision HMO network search tool

Blue Precision Bronze HMO 701 – Rx Copays for 2024
Blue Precision Bronze HMO 205 for 2024
Blue Precision Bronze HMO 708 for 2024 

Blue Precision Silver HMO 704 – Rx Copays for 2024
Blue Precision Silver HMO 206 for 2024

Blue Precision Silver HMO 306 for 2024 (OFF exchange only)
Blue Precision Silver HMO 706 for 2024

Blue Precision Gold HMO 703 – Rx Copays for 2024
Blue Precision Gold HMO 207 for 2024
Blue Precision Gold HMO 707 for 2024

BLUECARE DIRECT HMO INDIVIDUAL PLANS FOR 2024

BlueCare Direct HMO network search tool

BlueCare Direct Bronze 401 with Advocate for 2024
BlueCare Direct Bronze 802 with Advocate for 2024
BlueCare Direct Silver 212 with Advocate for 2024
BlueCare Direct Silver 803 with Advocate for 2024
BlueCare Direct Gold 409 with Advocate for 2024
BlueCare Direct Gold 804 with Advocate for 2024

BLUE FOCUSCARE HMO INDIVIDUAL PLANS FOR 2024

Blue FocusCare HMO network search tool

Blue FocusCare Bronze 209 for 2024
Blue FocusCare Silver 210 for 2024
Blue FocusCare Gold 211 for 2024

BLUECARE DENTAL 1A 1B & 1C PLANS

BlueCare Dental PPO network search tool

BlueCare Dental 1A 1B 1C for 2024

Are your doctors and hospitals in the 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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There are four Individual Dental insurance policies offered by Blue Cross Blue Shield of Illinois. To check if your dentist is in the BCBSIL Dental PPO click 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

States that offer individual PPO plans in the Individual Marketplace

Planning your exit strategy? Blue Cross now offers Individual PPO plans in 21 states (including Illinois) and in Washington D.C. There are also 3 additional states that offer Individual PPO plans but they are not Blue Cross plans. The complete list is as follows:

Alabama -Blue Cross
Alaska – Moda Health and Premera Blue Cross
Arizona – Blue Cross
Arkansas – Ambetter QualChoice and Blue Cross
California – Blue Cross and Health Net – Ambetter
Connecticut – Anthem Blue Cross
Delaware – Highmark Blue Cross
Hawaii – H.M.S.A – Hawaii Medical Service Association – Blue Cross
Idaho – Blue Cross
Illinois – Blue Cross
Louisiana – Blue CrossMaine – Maine Community coop and Blue Cross
Maryland – CareFirst Blue Cross
Michigan – Blue Cross
Minnesota – Blue Cross and Health Partners
Montana – Pacific Source no Blue Cross 
North Carolina – Blue Cross Blue Shield
North Dakota – Blue Cross
Oklahoma – Oscar, Medica, Ambetter and Blue Cross
Oregon – Pacific Source no Blue Cross
Pennsylvania – Independence Blue Cross
Rhode Island – Blue Cross
South Dakota – Sanford and Avera no Blue Cross
Washington D.C. – CareFirst Blue Cross
West Virginia – HighMark Blue Cross 
Wyoming – Mountain Health Co-op and Blue Cross

 

2023 Blue Cross Blue Shield of Illinois individual health insurance

Click here to search the outpatient prescription drug Formulary list for PPO Individual ACA-qualified (Obamacare) plans.
Click here to search the outpatient prescription drug Formulary list for HMO Individual ACA-qualified (Obamacare) plans.

BLUE CHOICE PREFERRED PPO PLANS FOR 2023

Blue Choice Preferred national PPO network search tool.

Blue Choice Preferred Bronze PPO 701 for 2023
Blue Choice Preferred Bronze PPO 705 for 2023
Blue Choice Preferred Bronze PPO 601 for 2023
Blue Choice Preferred Bronze PPO 201 for 2023
Blue Choice Preferred Bronze PPO 202 for 2023 – (HSA-qualified ON exchange only)
Blue Choice Preferred Bronze PPO 302 for 2023 – (HSA-qualified OFF exchange only)
Blue Choice Preferred Bronze PPO 502 for 2023 – (HSA-qualified OFF exchange only)
Blue Choice Preferred Bronze PPO 708 for 2023

Blue Choice Preferred Silver PPO 203 for 2023
Blue Choice Preferred Silver PPO 303 for 2023
Blue Choice Preferred Silver PPO 706 for 2023

Blue Choice Preferred Gold PPO 707 for 2023
Blue Choice Preferred Gold PPO 204 for 2023

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2023

Blue Precision HMO network search tool

Blue Precision Bronze HMO 701 – Rx Copays for 2023
Blue Precision Bronze HMO 205 for 2023

Blue Precision Silver HMO 704 – Rx Copays for 2023
Blue Precision Silver HMO 206 for 2023
Blue Precision Silver HMO 306 for 2023– (OFF exchange)
Blue Precision Silver HMO 708 for 2023
Blue Precision Silver HMO 706 for 2023

Blue Precision Gold HMO 703 – Rx Copays for 2023
Blue Precision Gold HMO 207 for 2023
Blue Precision Gold HMO 707 for 2023

BLUECARE DIRECT HMO INDIVIDUAL PLANS FOR 2023

BlueCare Direct HMO network search tool

BlueCare Direct Bronze 401 with Advocate for 2023
BlueCare Direct Silver 212 with Advocate for 2023
BlueCare Direct Gold 409 with Advocate for 2023

BLUE FOCUSCARE HMO INDIVIDUAL PLANS FOR 2023

Blue FocusCare HMO network search tool

Blue FocusCare Bronze 209 for 2023
Blue FocusCare Silver 210 for 2023
Blue FocusCare Gold 211 for 2023

BLUECARE DENTAL 1A 1B & 1C PLANS FOR 2023

BlueCare Dental PPO network search tool for 2023

BlueCare Dental 1A 1B 1C for 2023

2022 Blue Cross Blue Shield of Illinois individual health insurance

Click here to search the 2022 outpatient prescription drug Formulary list for PPO Individual ACA-qualified (Obamacare) plans.

Click here to search the 2022 outpatient prescription drug Formulary list for HMO Individual ACA-qualified (Obamacare) plans.

BLUE CHOICE PREFERRED PPO PLANS FOR 2022

Blue Choice Preferred Bronze PPO 601 for 2022

Blue Choice Preferred Bronze PPO 201 for 2022
Blue Choice Preferred Bronze PPO 202 for 2022 – (HSA-qualified)
Blue Choice Preferred Bronze PPO 302 for 2022 – (HSA-qualified OFF exchange)
Blue Choice Preferred Bronze PPO 502 for 2022 – (HSA-qualified OFF exchange)

Blue Choice Preferred Silver PPO 203 for 2022 – (ON exchange)
Blue Choice Preferred Silver PPO 303 for 2022 – (OFF exchange)

Blue Choice Preferred Gold PPO 204 for 2022

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2022

Blue Precision Bronze HMO 205 for 2022

Blue Precision Silver HMO 206 for 2022
Blue Precision Silver HMO 306 for 2022 – (OFF exchange)

Blue Precision Gold HMO 207 for 2022

BLUECARE DIRECT HMO INDIVIDUAL PLANS FOR 2022

BlueCare Direct Bronze 401 with Advocate for 2022

BlueCare Direct Silver 212 with Advocate for 2022

BlueCare Direct Gold 409 with Advocate for 2022

BLUE FOCUSCARE HMO INDIVIDUAL PLANS FOR 2022

Blue FocusCare Bronze 209 for 2022

Blue FocusCare Silver 210 for 2022

Blue FocusCare Gold 211 for 2022

BlueCare Dental 1A & 1B plans for 2022

2021 Blue Cross Blue Shield of Illinois individual health insurance

Click here to search the outpatient prescription drug Formulary list for PPO Individual ACA-qualified (Obamacare) plans.

Click here to search the outpatient prescription drug Formulary list for HMO Individual ACA-qualified (Obamacare) plans.

BLUE CHOICE PREFERRED PPO PLANS FOR 2021

Blue Choice Preferred Bronze PPO 201 for 2021

Blue Choice Preferred Bronze PPO 202 for 2021 – (HSA-qualified)
Blue Choice Preferred Bronze PPO 302 for 2021 – (HSA-qualified)
Blue Choice Preferred Bronze PPO 502 for 2021 – (HSA-qualified)

Blue Choice Preferred Silver PPO 203 for 2021 (ON exchange)
Blue Choice Preferred Silver PPO 303 for 2021 (OFF exchange)

Blue Choice Preferred Gold PPO 204 for 2021

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2021

Blue Precision Bronze HMO 205 for 2021

Blue Precision Silver HMO 206 for 2021
Blue Precision Silver HMO 306 for 2021

Blue Precision Gold HMO 207 for 2021

BLUECARE DIRECT HMO INDIVIDUAL PLANS FOR 2021

BlueCare Direct Bronze 401 with Advocate for 2021

BlueCare Direct Silver 212 with Advocate for 2021

BlueCare Direct Gold 409 with Advocate for 2021

BLUE FOCUSCARE HMO INDIVIDUAL PLANS FOR 2021

Blue FocusCare Bronze 209 for 2021

Blue FocusCare Silver 210 for 2021

Blue FocusCare Gold 211 for 2021

HUMANA SMART CHOICE INDIVIDUAL DENTAL PLANS 

Humana Smart Choice HIGH brochure Illinois

Humana Smart Choice LOW brochure Illinois

2020 Blue Cross Blue Shield of Illinois individual health insurance

BLUE CHOICE PREFERRED PPO PLANS FOR 2020

Blue Choice Preferred Bronze PPO 201 – Two $40 PCP Visits Summary of Benefits 2020
Blue Choice Preferred Bronze PPO 302 Summary of Benefits 2020
Blue Choice Preferred Bronze PPO 202 Summary of Benefits 2020

Blue Choice Preferred Silver PPO 203 Summary of Benefits 2020 (ON exchange)
Blue Choice Preferred Silver PPO 303 Summary of Benefits 2020 (OFF exchange)

Blue Choice Preferred Gold PPO 204 Summary of Benefits 2020 

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2020

Blue Precision Bronze HMO 205 Summary of Benefits 2020

Blue Precision Silver HMO 206 Summary of Benefits 2020
Blue Precision Silver HMO 306 Summary of Benefits 2020

Blue Precision Gold HMO 207 Summary of Benefits 2020

BLUECARE DIRECT WITH ADVOCATE HMO PLANS FOR 2020 

BlueCare Direct Bronze 401 with Advocate Summary of Benefits 2020

BlueCare Direct Silver 212 with Advocate Summary of Benefits 2020

BlueCare Direct Gold 409 with Advocate Summary of Benefits 2020

BLUE FOCUSCARE HMO PLANS FOR 2020

Blue FocusCare Bronze HMO 209 Summary of Benefits 2020

Blue FocusCare Silver HMO 210 Summary of Benefits 2020

Blue FocusCare Gold HMO 211 Summary of Benefits 2020


2019 Blue Cross Blue Shield of Illinois individual health insurance

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2019                  

Blue Precision Bronze HMO 205 Summary Of Benefits 2019

Blue Precision Silver HMO 206 Summary Of Benefits 2019

Blue Precision Silver HMO 306 Summary Of Benefits 2019

Blue Precision Gold HMO 207 Summary Of Benefits 2019

BLUE CHOICE PREFERRED PPO PLANS FOR 2019

Blue Choice Preferred Bronze PPO 201 – Two $40 PCP Visits Summary Of Benefits 2019

Blue Choice Preferred Bronze PPO 302 outline of coverage 2019

Blue Choice Preferred Bronze PPO 202 Summary Of Benefits 2019

Blue Choice Preferred Silver PPO 203 Summary Of Benefits 2019

 Blue Choice Preferred Silver PPO 303 Summary Of Benefits 2019

Blue Choice Preferred Gold PPO 204 Summary Of Benefits 2019

BLUE CARE DIRECT HMO INDIVIDUAL PLAN FOR 2019                        

Blue Care Direct Silver 212 with Advocate Summary Of Benefits 2019

BLUE FOCUS CARE HMO INDIVIDUAL PLANS FOR 2019

Blue FocusCare Bronze 209 Summary Of Benefits 2019

Blue FocusCare Bronze 211 Summary Of Benefits 2019

Blue FocusCare Silver 210 Summary Of Benefits 2019


2018 Blue Cross Blue Shield of Illinois individual health insurance

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2018                  

Blue Precision Bronze HMO 205 outline of coverage 2018

Blue Precision Silver HMO 206 outline of coverage 2018

Blue Precision Gold HMO 207 outline of coverage 2018

BLUE CHOICE PREFERRED PPO PLANS FOR 2018

BlueChoicePreferredBronzePPO201OutlineofCoverage2018

Blue Choice Preferred Bronze PPO 202 outline of coverage 2018

Blue Choice Preferred Silver PPO 203 outline of coverage 2018

 Blue Choice Preferred Silver PPO 102 outline of coverage 2018

Blue Choice Preferred Gold PPO 204 outline of coverage 2018

BLUE CARE DIRECT HMO INDIVIDUAL PLAN FOR 2018                        

Blue Care Direct Silver 212 outline of coverage 2018

BLUE FOCUS CARE HMO INDIVIDUAL PLANS FOR 2018

Blue FocusCare Bronze 209 outline of coverage 2018

Blue FocusCare Silver 210 outline of coverage 2018

Blue Focus Care Gold 211 outline of coverage 2018

The ACA (Obamacare) Individual Mandate was REPEALED by congress on 12/20/17. The Tax Cuts and Jobs Act of 2017 zeroed out the Individual Mandate on January 1, 2019.

2017 Silver individual health plans comparison chart

bcbsilsilverplancomparisonchart2017

2017 Bronze individual health plans comparison chart

bcbsilbronzeplancomparisonchart2017

2017 Multi-State individual health plans comparison chart

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2017 Gold individual health plans comparison chart 

bcbsilgoldplancomparisonchart2017

 

2017 Blue Focus Care individual health plans comparison chart:

bcbsilbluefocuscareplancomparisonchart

 

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

 

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