The 2023 ACA open enrollment period began on Nov. 1, 2022 and ended on January 15, 2023.  

The 2023 ACA (Affordable Care Act) open enrollment period began on November 1, 2022 and ended on January 15, 2023. Until November 1, 2023, applicants now 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 with the initial offer of COBRA coverage or the exhaustion of COBRA coverage (typically after 18 months) marriage or divorce, birth or adoption of a child, moving from one state to another or loss of Medicaid eligibility.

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.

To shop for 2023 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.

If you have not experienced a Q.L.E. and are healthy, Short Term health insurance is available all year long but it does not cover preexisting conditions and is limited to only 6 months in the state of Illinois. Short Term health insurance last for 12, 24, and 36 months in 27 other states. If you have a business, group health insurance is also available all year long and it covers preexisting conditions. Have questions? Please call (630) 582-1043 or click contact us.

If you have not paid your 2023 Blue Cross premium yet, please click here and then click on “First-Time Payment” to pay your first premium without entering a member I.D. number. 

Determining your eligibility for one or more health insurance subsidies

The 2023 ACA (Affordable Care Act) open enrollment period began on November 1, 2022 and ended on January 15, 2023. Until November 1, 2023, applicants now 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 with the initial offer of COBRA coverage or the exhaustion of COBRA coverage (typically after 18 months) marriage or divorce, birth or adoption of a child, moving from one state to another or loss of Medicaid eligibility.

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 “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.

If you have not experienced a Q.L.E. and are healthy, Short Term health insurance is available all year long but it does not cover preexisting conditions and is limited to only 6 months in the state of Illinois. Short Term health insurance lasts for 12, 24, and 36 months in 27 other states. If you have a business, group health insurance is also available all year long and it covers preexisting conditions. Have questions? Please call (630) 582-1043 or click contact us.

      

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

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

Planning your exit strategy? Below are states that offer individual PPO health insurance plans in 2022

Oregon – Pacific Source not Blue Cross
California – Blue Cross 
Idaho – Blue Cross
Montana – Pacific Source not Blue Cross 
Arizona – Blue Cross 
Wyoming – Blue Cross
North Dakota – Blue Cross
South Dakota – Avera and Sanford not Blue Cross
Oklahoma – Medica, Bright Health and Oscar not Blue Cross
Minnesota – Blue Cross 
Arkansas – Blue Cross 
Louisiana – Blue Cross 
Michigan – Blue Cross 
Illinois – Blue Cross 
Alabama -Blue Cross 
Pennsylvania – Blue Cross
Maine – Maine Community ACA “Co-op” not Blue Cross
Rhode Island – Blue Cross
Connecticut – Blue Cross
Delaware – Blue Cross
Maryland – Blue Cross
Washington D.C. – Blue Cross
North Carolina – Wellcare not Blue Cross
Hawaii – Blue Cross
Alaska – Blue Cross 

 

 

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

Blue FocusCare Gold 211 for 2022

BlueCare Dental 1A & 1B plans for 2022

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 Silver individual health plans comparison chart

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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

 

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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