Click the logo to shop for Blue Cross Blue Shield of Illinois plans. The 2018 ACA (Obamacare) Open Enrollment period began on Nov. 1, 2017 and ended on Dec. 15, 2017. However, if you experience a Qualifying Life Event you can still apply under Special Enrollment. Examples of Qualifying Life Events are:
1.) Loss of employer sponsored coverage.
2.) Marriage or Divorce.
3.) Birth of a child or adoption of a child.
4.) Loss of income.
5.) Moving to another state or out of your current health plan’s service area.
Also, President Trump’s Executive Order creates more affordable options in the non-ACA qualified Short Term health insurance market and the new GOP tax bill which passed Congress on 12/20/2017 includes repeal of the ACA individual mandate. By 2019 you will no longer be fined (taxed) for purchasing lower priced non-ACA qualified Short Term health 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) 674-1551. SCROLL DOWN THIS PAGE TO LEARN MORE.
Buying on the exchange? If you do qualify for subsidies please click “Shop for subsidized plans ON the exchange” below. You will be able to pick a plan, get your subsidies and finish the entire process much faster than using Healthcare.gov alone. HealthSherpa speeds up the Healthcare.gov process significantly.
Shopping from another state? Call us toll free at (866) 724 7123 or scroll down to get quotes from Blue Cross in your state.
Determining your eligibility for one or more federal subsidies
Depending on what you expect your 2018 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 2018 total household MAGI will be lower than:
$48,240 for an individual
$64,960 for a couple
$81,680 for a family of three
$98,400 for a family of four
$115,120 for a family of five
$131,840 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.
Buying on the exchange? If you qualify for a subsidy please click the link below. You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov
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 2017 Federal Poverty Level Information – 2017 FPL 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 will not be able to qualify for subsidized health insurance. You can purchase 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. 2018 Federal Poverty Levels will not be released until late January 2018 so, the 2017 FPL chart will be used to determine subsidy eligibility for 2018 ACA Open Enrollment.
Please also note: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Children’s Health Insurance Plan – under Medicaid you may not be able to insure your children on your policy. Healthcare.gov will instead send them to Medicaid. You may wish at that juncture to purchase private health insurance at full price for your children instead.
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
Shop for 2018 plans from Blue Cross Blue Shield of Illinois
Are your doctors and hospitals in the 2018 Blue Cross Blue Shield of ILLINOIS PPO or HMO networks?
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)
Prescription drug coverage from Blue Cross Blue Shield of ILLINOIS
Preventive care coverage from Blue Cross Blue Shield of ILLINOIS
2018 IRS fines for not having health insurance or for purchasing non qualified Temporary or Short Term health plans under ACA (Obamacare) individual mandate.
You will be subject to a 2.5% of your MAGI ‘fine’ (TAX) for not having qualified health insurance or purchasing non qualified Temporary or Short Term health insurance since these plans do not include the “essential health benefits” under the PPACA “Obamacare”.
Rest assured though, if you are self employed and do not over pay your taxes you will not pay that ‘fine’ (TAX) for the only recourse the IRS has to collect that fine is to hold your tax refund. All criminal penalties for non compliance were removed from the health care law prior to passage.
If you don’t have a ‘Qualified Health Plan’ in 2016, you’ll pay the higher of these two amounts:
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2.5% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.
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$695 per person for the year ($347.50 per child under 18).
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There are maximum penalties for individuals and families. They are significant. To determine your maximum penalty click here.
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PLEASE NOTE: The ACA (Obamacare) Individual Mandate was REPEALED by congress on 12/20/17. However, the GOP tax bill does not include repeal of this mandate until Jan. 1, 2019.
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 – Base Plan ($6000/$6000) 
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
BCBSIL Blue PPO Silver 004 on exchange with $500 deductible
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)
BCBSIL Solution 3 a Multi State plan on exchange
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 – Base Plan ($6000/$6000)
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 – Base Plan ($5000/$6350)
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 001 On the Exchange
Blue Choice Gold PPO 002 Off the Exchange
Blue Choice Gold PPO 002 On 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
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 P500PPO Platinum 019
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