Determining your eligibility for federal health insurance subsidies.

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.

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 & percentages above it. The 2026 Annual Federal Poverty Level Chart will be used to determine eligibility for all 2027 insurance subsidies.

PLEASE NOTE: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Children’s Health Insurance Plan and your A.G.I. is lower than 138% above the F.P.L. – Federal Poverty Level (see chart above.) You will not be able to insure your children on your policy if they are under the age of 19. Healthcare.gov will instead send a referral to your state’s CHIP – Children’s Health Insurance Plan. In Illinois, that program is “All Kids Covered“. There will most likely be no premium required to insure your children. There will also be little to no copays or deductibles required. You may wish to purchase a Child Only health insurance policy instead at full price for your children if you cannot find a Pediatrician who will accept “All Kids Covered”.

Preventive Care: All ACA-qualified (Obamacare) health insurance policies must cover all of these preventive care tests and exams at no cost to you. Click on “For all Adults”, “For Women” & “For Children” to see entire list.

2027 Blue Cross Blue Shield of Illinois individual health insurance

To shop for individual dental insurance. Click the Delta dental icon below. Delta is the only individual dental insurance carrier that provides both a national PPO network and credit for prior coverage. If you provide evidence of at least 12 months of consistent prior dental insurance coverage when switching to a Delta dental individual policy, you will receive credit towards waiting periods for basic and major services.

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

To view individual and family Blue Cross dental insurance plans click here. 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

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