The 2022 ACA open enrollment period begins on Nov. 1, 2021 and ends on January 15, 2022.  

The 2022 ACA (Affordable Care Act) open enrollment period begins on November 1, 2021 and ends on January 15, 2022. Advance Premium Tax Credits (subsidies) have also increased significantly since April 1, 2021 due to the passage of the American Rescue Plan. 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. Until November 1, 2021 applicants will need proof of a Q.L.E. – Qualifying Life Event – in order to qualify for an S.E.P. – Special Enrollment Period. Examples of Q.L.E.s are: loss of employer sponsored coverage, marriage or divorce, birth or adoption of a child or loss of Medicaid eligibility. For expert guidance at no cost to you, call (630) 582-1043 or contact us.

To shop for 2021 ACA (Obamacare) Individual and Family health insurance policies from Blue Cross Blue Shield of Illinois, please click the logo to the left. New improvements for 2021 include the addition of the entire Northwestern Medical Group into the 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.

Determining your eligibility for one or more health insurance subsidies

The 2022 ACA (Affordable Care Act) open enrollment period begins on November 1, 2021 and ends on January 15, 2022. Advance Premium Tax Credits (subsidies) have also increased significantly since April 1, 2021 due to the passage of the A.R.P. – “American Rescue Plan“. A Budget Reconciliation bill dated September 9, 2021 seeks to make the enhanced subsidies under the A.R.P. permanent. 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. Until November 1, 2021 applicants will need proof of a Q.L.E. – Qualifying Life Event – in order to qualify for an S.E.P. – Special Enrollment Period. Examples of Q.L.E.s are: loss of employer sponsored coverage, marriage or divorce, birth or adoption of a child or loss of Medicaid eligibility. For expert guidance at no cost to you, call (630) 582-1043 or contact us.

Please note: If you qualify for a subsidy please click “Shop for ACA-qualified (Obamacare) plans.” You will be able to pick a plan, get your subsidy and finish the entire 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.

        

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 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 also 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 at that juncture to purchase private health insurance at full price for your children instead if you cannot find a Pediatrician who will accept “All Kids Covered”.

2021 Blue Cross Blue Shield of Illinois individual health insurance plan offerings.

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

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. Click the names of each one to download the outline of coverage.  There are two plans for adults. They are the BlueCare Dental 1A plan and the BlueCare Dental 1B plan. For children there is the BlueCare Dental 1A for Kids plan and BlueCare Dental 1B for Kids plan. 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

2020 Blue Cross Blue Shield of Illinois individual health insurance plan offerings.

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 plan offerings.

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 plan offerings.

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

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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 

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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