COVID-19 Special Enrollment period begins on February 15, 2021 and ends on May 15, 2021
On January 28, 2021, C.M.S. announced a 90 day Special Enrollment period due to COVID-19 which begins on February 15, 2021 and ends on May 15, 2021. During this Special Enrollment period you can purchase ACA-qualified (Obamacare) health insurance on a guaranteed issue basis (no preexisting condition exclusions and no health questions) even though the annual Open Enrollment period ended on December 15, 2020. 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. Northwestern will not accept the HMO plans. Depending on your total household M.A.G.I. – Modified Adjusted Gross Income – you may qualify for one or both federal subsidies. To determine the income levels necessary to qualify for federal subsidies and to view the Summary of Benefits for all the 2021 Blue Cross plans, scroll down this page. Please note: The online application system provided by Blue Cross is often unreliable. When applying without a federal subsidy, please click here to download their Adobe fillable PDF application. Then email it to YourACAquestions@gmail.com We will confirm receipt and email you your new member I.D. card and policy once issued. Please call 630-674-1551 with questions.
Determining your eligibility for one or more health insurance subsidies
Depending on what you expect your 2021 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 2021 total household MAGI will be lower than:
$51,520 for an individual
$69,680 for a couple
$87,840 for a family of three
$106,000 for a family of four
$124,160 for a family of five
$142,320 for a family of six
you will qualify for an Advance Premium Tax Credit (Federal subsidy) which will substantially reduce your insurance premium.
The Biden administration is considering increasing the APTC eligibility threshold to 600% of F.P.L. as it is now in California.
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 SCHIP – State 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 SCHIP program. In Illinois, that program is entitled “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
Are your doctors and hospitals in the Blue Cross Blue Shield of ILLINOIS PPO or HMO networks?
Dental insurance coverage from Blue Cross Blue Shield of ILLINOIS
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
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 SMALL GROUP PPO PLANS – CLICK BELOW TO DOWNLOAD OUTLINES OF COVERAGE
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g518ppoblueppogold023 g509ppoblueppogold001 s506ppobluepposilver020 s501ppobluepposilver029 s503ppobluepposilver004
s508ppobluepposilver030 s502ppobluepposilver003 p502ppoblueppoplatinum027 g519ppoblueppogold024 g512ppoblueppogold011
g520ppoblueppogold025 s500ppobluepposilver031pdf b501ppoblueppobronze032 b520ppoblueppobronze006 g521ppoblueppogold026
Compare 2017 BCBSIL Silver, Gold, Bronze and Platinum plans:
2017 Silver individual health plans comparison chart
bcbsilsilverplancomparisonchart2017
2017 Bronze individual health plans comparison chart
bcbsilbronzeplancomparisonchart2017
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:
bcbsilbluefocuscareplancomparisonchart
2017 Blue Precision HMO individual plans:
2017 Blue Care Direct HMO individual plans
2016 off exchange Blue Choice individual plans:
Blue Choice Preferred Silver PPO 102 OFF exchange
Blue Choice Preferred Silver PPO 102 OFF exchange
2017 Blue Choice Preferred PPO individual plans:
bluechoicepreferredsilverppo102
bluechoicepreferredsilverppo103
bluechoicepreferredbronzeppo105
bluechoicepreferredbronzeppo106
bluechoicepreferredbronzeppo107
BlueChoicePreferredBronzePPO108SummaryOfBenefits
bluechoicepreferredsilverppo109standardized
2017 Blue Focus Care HMO individual plans:
2016 Blue Precision and Blue Choice Preferred plans:
2014 & 2015 BCBSIL Silver individual & family plans are linked below
Blue PPO Silver 003 Off the Exchange
Blue PPO Silver 003 On the Exchange
Blue PPO Silver 003 – American Indian Zero ($0/$0)
Blue PPO Silver 003 – American Indian Limited ($6000/$6000)
Blue PPO Silver on exchange $5000 deductible
Blue PPO Silver 003 – Cost-Sharing Reduction ($1500/$1500)
Blue PPO Silver 004 Off the Exchange
Blue PPO Silver 004 On the Exchange
Blue PPO Silver 004 – Base Plan ($3000/$6350)
Blue PPO Silver 004 – American Indian Zero ($0/$0)
Blue PPO Silver 004 – American Indian Limited ($3000/$6350)
Blue PPO Silver 004 – Cost-Sharing Reduction ($2500/$5200)
Blue Cross Blue Shield Solution 4
On the Exchange
BCBS Solution 4, a Multi-State Plan – Base Plan – ($6250/$6250)
BCBS Solution 4, a Multi-State Plan – American Indian Zero – ($0/$0)
BCBS Solution 4, a Multi-State Plan – American Indian Limited – ($6250/$6250)
BCBS Solution 4, a Multi-State Plan – Cost-Sharing Reduction – ($5000/$5000)
BCBS Solution 4, a Multi-State Plan – Cost-Sharing Reduction – ($1500/$1500)
BCBS Solution 4, a Multi-State Plan – Cost-Sharing Reduction – ($500/$500)
BCBSIL Solution 3 A Multi-State plan
On the Exchange
BCBSIL Solution 3, a Multi-State Plan – Base Plan – ($4500/$6350)
BCBSIL Solution 3, a Multi-State Plan – American Indian Zero – ($0/$0)
BCBSIL Solution 3, a Multi-State Plan – American Indian Limited – ($4500/$6350)
BCBSIL Solution 003, a Multi-State plan on exchange with cost sharing reduction
BCBSIL Solution 3 a Multi-State Plan – Cost-Sharing Reduction ($250/$2000)
BCBSIL Solution 3, a Multi-State Plan – Cost-Sharing Reduction – ($0/$500)
Blue Choice PPO Silver Group Plans On the SHOP Exchange
Blue Choice PPO Silver Group Plans Off the SHOP Exchange
Blue Choice Silver PPO 004 Off the Exchange
Blue Choice Silver PPO 003 Off the Exchange
Blue Choice Silver PPO 003 On the Exchange
Blue Choice Silver PPO 003 – American Indian Zero ($0/$0)
Blue Choice Silver PPO 003 – American Indian Limited ($6000/$6000)
Blue Choice Silver PPO 003 – Cost-Sharing Reduction ($5000/$5000)
Blue Choice Silver PPO 003 – Cost-Sharing Reduction ($1500/$1500)
Blue Choice Silver PPO 003 – Cost-Sharing Reduction ($500/$500)
Blue Precision Silver HMO Plans On the SHOP Exchange
Blue Precision Silver HMO Plans Off the SHOP Exchange
Blue Precision Silver HMO 002 On the Exchange
Blue Precision Silver HMO 002 – American Indian Zero ($0/$0)
Blue Precision Silver HMO 002 – American Indian Limited ($5000/$6350)
Blue Precision Silver HMO 002 – Cost-Sharing Reduction ($4000/$5200)
Blue Precision Silver HMO 002 – Cost sharing reduction ($500/$1250)
Blue Precision Silver HMO 002 – Cost-Sharing Reduction ($0/$500)
Blue Precision Silver HMO 002 Off the Exchange
2014 & 2015 BCBSIL Gold individual & family plans are linked below
Blue Choice Gold PPO 001 Off the Exchange
Blue Choice Gold PPO 002 Off the Exchange
Blue Choice Gold PPO 007 Off the Exchange
Blue Precision Gold HMO 001 On the Exchange
Blue Precision Gold HMO 001 Off the Exchange
BLUE ADVANTAGE HMO NHHB163
Blue Cross Blue Shield Premier 1
Blue PPO Gold 001 off exchange
Blue PPO Gold 002
Blue PPO Gold 012 Off the Exchange
Blue PPO Gold Group Plans On the SHOP Exchange
Blue PPO Gold Group Plans Off the SHOP Exchange
G509PPO Blue PPO Gold 001 – ($3250 / $3250)
G510PPO Blue PPO Gold 002 – ($1500 / $3500)
G511PPO Blue PPO Gold 010 – ($1000 / $3000)
G512PPO Blue PPO Gold 011 – ($2500 / $3500)
G513PPO Blue PPO Gold 012 – ($4000 / $4000)
G515PPO Blue PPO Gold 014 – ($500 / $5000)
Blue Choice Gold PPO Group Plans On the SHOP Exchange
Blue Choice Gold PPO Group Plans Off the SHOP Exchange
Blue Choice PPO 72732C 2015
2014 & 2015 BCBSIL Platinum individual & family plans are linked below
Blue Precision Platinum HMO 004
Blue PPO Platinum Group Plans Off the SHOP Exchange
2014 & 2015 BCBSIL Bronze individual & family plans are linked below
Blue Choice Bronze PPO 005 Off the Exchange
Blue Choice Bronze PPO 005 On the Exchange
Blue PPO Bronze 006 Off the Exchange
Blue Precision Bronze HMO 003 Off the Exchange
Blue PPO Bronze Plans On the SHOP Exchange
Blue PPO Bronze Plans Off the SHOP Exchange
Blue Choice Bronze PPO 006 Off the Exchange
Blue Choice Bronze PPO 006 On the Exchange
Multi State Plan Programs Off the Exchange
Blue Choice PPO Bronze Plans On the SHOP Exchange
Blue Choice PPO Bronze Plans Off the SHOP Exchange
Blue Precision Bronze HMO Bronze Plans On the SHOP Exchange
Bronze HMO Bronze Plans Off the SHOP Exchange