Compare your Illinois coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Illinois residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Illinois is the first step toward a plan that fits.
Starting with plan year 2026, Illinois runs its own state-based marketplace, Get Covered Illinois, replacing HealthCare.gov for state residents. Individual and family plans are compared and enrolled through the new state platform or directly with private carriers.
Illinois has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment for Illinois plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Illinois residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
For 2026 coverage, Illinois stopped using HealthCare.gov and began running its own ACA marketplace, Get Covered Illinois, for the first time. The debut year came with new state authority to extend deadlines, a heavily funded local-help network, and — by late spring — a real enrollment decline driven mostly by nonpayment as costs rose. Here's what the state's own numbers show. (Note: this advisor is an independent, licensed agency and is not affiliated with, endorsed by, or acting on behalf of the State of Illinois or Get Covered Illinois.)
Since November 1, 2025, Illinoisans have applied for and enrolled in 2026 coverage through Get Covered Illinois (GetCoveredIllinois.gov) instead of HealthCare.gov. The switch follows a 2023 state law directing Illinois to move off the federal platform, and 2026 is the state's first plan year running full marketplace operations — enrollment, eligibility, and plan comparison — on its own system rather than the federal government's.
Open enrollment for 2026 coverage was originally set to close January 15, 2026. On January 12, Get Covered Illinois announced a 16-day extension, pushing the deadline to January 31 for coverage effective February 1. "As a state-based marketplace, not only do we now have the authority to offer this special enrollment extension, but we also have more resources to support our customers in finding affordable health coverage options," said Director Morgan Winters — the first such extension since the state-run marketplace launched.
Illinois has invested nearly $7 million in navigator grants, funding a program of more than 140 navigators statewide. Separately, the state has also built a certified network of about 9,000 licensed brokers who help residents shop for and enroll in coverage. Both navigators and brokers offer enrollment help at no cost to the consumer.
Illinois' marketplace enrollment stood at 373,065 as of May 31, 2026 — down nearly 15% from the state's record high of 437,892 in February 2025. Of the roughly 92,000 people who lost coverage over that stretch, about 64% were disenrolled specifically for nonpayment as of May 31 — the highest share since at least 2020, according to state data. The decline has been linked in state and independent reporting to the expiration of enhanced federal premium tax credits, which pushed monthly premiums higher for many enrollees.
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Learn MoreIllinois' new state marketplace, Get Covered Illinois, saw enrollment fall from a record 437,892 in February 2025 to 373,065 by May 31, 2026. About 64% of the roughly 92,000 people who lost coverage over that stretch were disenrolled specifically for nonpayment, the highest share since at least 2020, as monthly premiums rose after enhanced federal tax credits expired. We review your subsidy and premium amount every year so a cost increase doesn't quietly lapse your coverage.
Individual and family plans are compared and enrolled through Get Covered Illinois, the state's own marketplace platform, or directly with private carriers. We help you compare both paths and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Illinois has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for Illinois plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Illinois individuals, families, self-employed professionals, and small business owners across Chicago, Aurora, Naperville, Springfield, and Rockford and statewide, matching each situation to the right coverage.
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