The 2020 ACA Open Enrollment ended on Dec. 15 2019. You may qualify for an S.E.P.
The 2020 ACA – (Affordable Care Act) open enrollment period ended on December 15, 2019. You cannot purchase individual ACA-qualified coverage in the Individual marketplace again until November 1, 2020 unless you experience a Q.L.E. – Qualifying Life Event which then grants you a 60 day S.E.P. – Special Enrollment Period. Examples of Q.L.E.s are as follows:
1.) Marriage or Divorce
2.) Birth or Adoption
3.) Loss of employer sponsored coverage and the offer of COBRA continuation of that coverage.
4.) Exhaustion of COBRA continuation of coverage after 18 months.
5.) Moving from one state to another or outside of your existing plan’s service area.
If you have experienced one of the aforementioned Q.L.E.s you have 60 days from the date you experienced your Q.L.E. to purchase the ACA-qualified policy of your choice now. In addition, depending on your projected 2020 MAGI – Modified Adjusted Gross Income – you may qualify for one or more federal health insurance subsidies to lower your premium, deductible, coinsurance and copays.
To learn the income levels necessary to qualify for health insurance subsidies scroll down this page. Questions? Call (630) 582-1043. Out of state? Call (866) 724-7123.
Also, President Trump’s Executive Order creates more affordable options in the non ACA-qualified Short Term health insurance market and the Tax Cuts and Jobs Act of 2017 includes repeal of the ACA individual mandate. As of January 1, 2019, you will no longer be fined (taxed) for purchasing lower priced non ACA-qualified Short Term health insurance or for not having insurance. Click here to learn more about Short Term.
To learn the income levels necessary to qualify for health insurance subsidies and search the Blue Cross and Blue Shield HMO and PPO networks scroll down this page. If you do not qualify for subsidies please click “Shop for unsubsidized plans OFF the exchange” below to purchase health insurance (off the exchange) directly from Blue Cross and Blue Shield. Questions? Call (630) 582-1043. SCROLL DOWN THIS PAGE TO LEARN MORE.
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.
Determining your eligibility for one or more federal subsidies
Depending on what you expect your 2020 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 2020 total household MAGI will be lower than:
$51,040 for an individual
$67,640 for a couple
$85,320 for a family of three
$103,000 for a family of four
$120,680 for a family of five
$138,360 for a family of six
you will be better off financially by shopping for a plan on the exchange (via Healthcare.gov) in order to receive an Advance Premium Tax Credit and/or a Cost Sharing reduction to reduce the premium and deductibles of either the Bronze, Silver, Gold or Platinum Qualified Health Plans.
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 Health Sherpa if you do not qualify. If you are healthy, do not need coverage for preexisting conditions and do not qualify for a subsidy click “Shop for non-ACA qualified Short Term plans” for more affordable non ACA-qualified Short Term insurance.
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”.
2020 Blue Cross Blue Shield of Illinois individual health plan offerings.
Click here to search the outpatient prescription drug Formulary list for 2020 PPO Individual ACA-qualified (Obamacare) plans.
Click here to search the outpatient prescription drug Formulary list for 2020 HMO Individual ACA-qualified (Obamacare) plans.
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
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
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 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
Are your doctors and hospitals in the 2019 Blue Cross Blue Shield of ILLINOIS PPO or HMO networks?
Prescription drug coverage from Blue Cross Blue Shield of ILLINOIS
Preventive care coverage from Blue Cross Blue Shield of ILLINOIS
Dental insurance coverage from Blue Cross Blue Shield of ILLINOIS
bluecaredental1a to see the outline of coverage for Blue Care Dental 1A plan. bluecaredental1b to see the outline of coverage for Blue Care Dental 1B plan. bluecaredental1aforkids to see the outline of coverage for Blue Care Dental for kids 1A plan. bluecaredental1bforkids to see the outline of coverage for Blue Care Dental for kids 1B plan. To apply for BCBSIL Dental insurance please download and print the paper application here > bluecaredentalapplication Once completed, please fax your Dental insurance application to (630) 582-1043. To see if your dentist is in the BCBSIL Dental PPO click here > BlueCare® Dental (DPPO)
The ACA (Obamacare) Individual Mandate was REPEALED by congress on 12/20/17. However, the Tax Cuts and Jobs Act of 2017 does not include repeal of this mandate until Jan. 1, 2019.
President Trump has also provided a way to avoid paying the Individual Mandate penalty for 2018 also.
2017 SMALL GROUP PPO PLANS – CLICK BELOW TO DOWNLOAD OUTLINES OF COVERAGE
p500ppoblueppoplatinum019 g515ppoblueppogold014 g511ppoblueppogold010 g510ppoblueppogold002 g517ppoblueppogold016
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
2017 BCBSIL Small Group PPO plans
BCBSIL 2015 Small Group PPO plans
BCBSIL 2015 Small Group G515PPO Blue PPO Gold 014
BCBSIL 2015 Small Group G511PPO Blue PPO Gold 010
BCBSIL 2015 Small Group G510PPO Blue PPO Gold 002
BCBSIL 2015 Small Group G517PPO Blue PPO Gold 016
BCBSIL 2015 Small Group G518PPO Blue PPO Gold 023
BCBSIL 2015 Small Group G509PPO Blue PPO Gold 001
BCBSIL G511CHC Blue Choice Gold PPO 007
BCBSIL 2015 Small Group S506PPO Blue PPO Silver 020
BCBSIL 2015 Small Group S503PPO Blue PPO Silver 004
BCBSIL S508 PSN Blue Precision Silver HMO 002
BCBSIL S503CHC Small Group plan 2015
BCBSIL 2015 Small Group S502PPO Blue PPO Silver 003
BCBSIL 2015 Small Group B519PPO Blue PPO Bronze 005
BCBSIL 2015 Small Group P501PPO Blue PPO Platinum 022
BCBSIL 2015 Small Group G519PPO Blue PPO Gold 024
BCBSIL 2015 Small Group G512PPO Blue PPO Gold 011
BCBSIL 2015 Small Group G520PPO Blue PPO Gold 025
BCBSIL 2015 Small Group G513PPO Blue PPO Gold 012
BCBSIL 2015 Small Group B520PPO Blue PPO Bronze 006
BCBSIL 2015 Small Group G521PPO Blue PPO Gold 026
BCBSIL RHHHB10C Blue Advantage HMO Small Group 2015
BCBSIL P501PSN Blue Precision Platinum 004 Small Group
BCBSIL RPPC3424 Blue Advantage Entrepreneur PPO Small Group 2015
BCBSIL Blue Advantage Entrepreneur Small Group PPO Certificate Of Coverage