Illinois Health Insurance

Health Insurance in Illinois

Although every child in the state is eligible for health insurance through the state's All Kids program, there is still an 11% rate of uninsured. Strict insurance regulations are keeping many others from purchasing health insurance. For example:

• Access to individual health insurance can be denied due to a person's health status, unless the applicant is HIPAA eligible.
• Pre-existing condition exclusions can extend up to three years before a policy is put into effect.
• There is no limit on how much individual premiums can vary due to health status, age, gender or family size.

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Families with limited incomes will find health insurance opportunities through the Illinois Department of Public Health. Medicaid offers coverage to those living under the poverty limit, while All Kids provides insurance for the children of limited-income families. Along with this program for children is another version of the same plan called All Kids Premium. Parents pay a premium or co-pay for this service. All children throughout the state, regardless of income, are eligible for this plan.

Other insurance options for Illinois residents include:

• Medical discount plans: For a monthly payment as low as $19.95, these private health insurance plans offer consumers significant discounts on hospitalization and well-visit charges.
• Association medical plans: For those who are involved in a community or leisure group, small group health insurance may be an option to lower premium costs and ensure coverage.
• Illinois Comprehensive Health Insurance Plan: This program is intended for individuals whose health status keeps them from being eligible for a regular health insurance policy. There is limited enrollment in this plan.

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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.