The 2023 ACA open enrollment period begins on Nov. 1, 2022 and ends on January 15, 2023.
The 2023 ACA (Affordable Care Act) open enrollment period begins on November 1, 2022 and ends on January 15, 2023. Advance Premium Tax Credits (federal health insurance subsidies) have also increased significantly since April 1, 2021 due to the passage of the American Rescue Plan. Depending on your 2022 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, 2022, applicants need to prove that they have experienced a Q.L.E. – Qualifying Life Event – within the last 60 days 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, moving from one state to another or loss of Medicaid eligibility. For expert guidance at no cost to you, call (630) 582-1043 or contact us.
To shop for 2022 ACA (Obamacare) Individual and Family health insurance policies from Blue Cross Blue Shield of Illinois, please click the logo to the left. New improvements include the addition of the Northwestern Medical Group 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. Blue Cross Blue Shield of Illinois was named as one of America’s best insurance companies by Forbes magazine in 2022.
Determining your eligibility for one or more health insurance subsidies
The 2023 ACA (Affordable Care Act) open enrollment period begins on November 1, 2022 and ends on January 15, 2023. Advance Premium Tax Credits (federal health insurance subsidies) have also increased significantly since April 1, 2021 due to the passage of the American Rescue Plan. Depending on your 2022 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, 2022, applicants need to prove that they have experienced a Q.L.E. – Qualifying Life Event – within the last 60 days 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, moving from one state to another 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 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.
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 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”.
Federal Register update 10/13/2022. IRS ‘fixes’ definition of Section 36B of the ACA:
Section 36B of the ACA – Affordable Care Act – originally contained language that prohibited the spouse and children of an employee who is eligible for ‘affordable’ group health insurance from obtaining an A.P.T.C. – Advance Premium Tax Credit (health insurance ‘subsidy’) in the individual health insurance marketplace. Since the cost to add a spouse and children to an employee’s group health insurance policy is often exorbitant, this prohibition resulted in many spouses and children going without health insurance coverage. This problem became known colloquially as the “Family Glitch”.
The I.R.S. ‘fix’ to section 36B (effective December 12, 2022) now allows the spouse and children of an employee who has ‘affordable’ employer sponsored group health insurance to apply for a federally subsidized ACA-qualified individual policy via the health insurance exchanges so long as the cost to insure them via the employer sponsored group plan would cost more than 9.5% of their total household A.G.I.
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.
Blue Cross Blue Shield of Illinois was named as one of America’s best insurance companies by Forbes magazine in 2022.
2023 Blue Cross Blue Shield of Illinois individual health insurance plan offerings.
Click here to search the 2023 outpatient prescription drug Formulary list for PPO Individual ACA-qualified (Obamacare) plans.
Click here to search the 2023 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
HUMANA SMART CHOICE INDIVIDUAL DENTAL PLANS FOR 2023
Humana Smart Choice Illinois HIGH brochure
Humana Smart Choice Illinois LOW brochure
Humana Smart Choice Illinois LITE brochure
Principal Broker, C. Steven Tucker joined Dan Proft and Amy Jacobson on Chicago’s Morning Answer to discuss the impact of the “Inflation Reduction Act” on Medicare Part D and enhanced ACA health insurance subsidies now extended until 2026 – 08/17/2022. Replay below:
2022 Blue Cross Blue Shield of Illinois individual health insurance plan offerings.
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
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. 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
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
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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s508ppobluepposilver030 s502ppobluepposilver003 p502ppoblueppoplatinum027 g519ppoblueppogold024 g512ppoblueppogold011
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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