The 2021 ACA Open Enrollment period begins on Nov. 1, 2020 and ends on Dec. 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 2020 include the addition of the entire Northwestern Medical Group and Rush University Medical Center into the Blue Choice Preferred PPO network. Northwestern and Rush 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 health insurance 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 pagePlease 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:

$51,040 for an individual
$68,960 for a couple
$86,880 for a family of three
$104,800 for a family of four
$122,720 for a family of five
$140,640 for a family of six

you will qualify for an Advance Premium Tax Credit which will substantially reduce your health insurance premium.

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

Blue FocusCare Silver 210 for 2021

Blue FocusCare Gold 211 for 2021

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 

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2017 Blue Focus Care individual health plans comparison chart:

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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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