Best health Insurance plans in
Illinois
in 2025

Find top Illinois health insurance plans through Venteur's comprehensive marketplace platform. Land of Lincoln residents seeking the best health insurance in Illinois can access quality healthcare coverage from leading insurance carriers across the state. Our user-friendly platform provides transparent pricing, easy comparisons, and enrollment support whether in Chicago, Springfield, or Southern Illinois discovering affordable coverage options for individuals, families, and businesses including flexible ICHRA solutions modernizing employee benefits.

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Market overview
12

Health insurance carriers on the marketplace

428

Plans available on the marketplace

16%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Illinois
Plans

Discover the best health plans in Illinois

UnitedHealthcare
Silver
HMO
$
$
434.98
/mo
/mo

UHC Silver Advantage+ (Virtual Urgent Care + PCP Visits, Rx Copay, Dental + Vision)

Deductible:
In-Network: $2,500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered
Oscar
Expanded Bronze
HMO
$
$
352.42
/mo
/mo

Bronze Classic PCP Saver Plus Rx Copay (Select)

Deductible:
In-Network: $8,500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / In-Network-Tier-2: $30 / Out-of-Network: Not Covered
Health Alliance
Platinum
POS
$
$
732.25
/mo
/mo

2025 POS 2500 Elite Gold

Deductible:
In-Network: $2,500 / Out-of-Network: $5,000
Primary Care Visits:
In-Network: $25 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $10 / Out-of-Network: 50% after deductible

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Are you ready?

Get started today with better health benefits

Insurance providers available in Illinois

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

What should you think about when choosing a health plan?

Choosing a health plan for your business can be complicated and opaque. When evaluating your options, there are a few key factors you should consider:  

  • Costs: Evaluate both the premiums (monthly costs paid by the employer and/or employee) and the out-of-pocket expenses (deductibles, copayments, and coinsurance). Balance these against the overall value and coverage provided. 
  • Flexibility: Consider whether the options allow employees to choose their insurance based on their own unique needs.  
  • Quality of Service: Research the reputation and customer satisfaction ratings of the provider and their network of healthcare providers or health plan options. 
  • Compliance: Ensure that the plan complies with all relevant regulations and laws, such as the Affordable Care Act (ACA) requirements if applicable. 
  • Feedback from Employees: Gathering input from your employees about their healthcare needs and preferences can provide valuable insights into choosing an option that best meets their expectations.
How does Venteur help my team access the plans available in my state?

Venteur administers an ICHRA – an Individual Coverage Health Reimbursement Arrangement. Instead of picking an expensive and inflexible group plan, you set a budget and your employees use Venteur to shop for the plan that works best for them. This allows your employees who elect to enroll in health benefits to pick from the plans available in their state!

How Much Does Health Insurance Cost Per Month in Illinois?

In 2026, average monthly health insurance premiums in Illinois for individual plans generally range from about $370 to $600, depending on coverage level, age, location and household size. Actual costs will vary based on plan design, marketplace subsidies and whether an employer‑provided ICHRA is applied.

How Much Is Individual Health Insurance in Illinois?

Monthly premiums for individual health insurance in Illinois typically start around $370 for basic Bronze‑level plans and can exceed $600 for more comprehensive Gold‑level plans for 2026. Your exact cost depends on plan tier, age, ZIP code and applicable subsidies.

What’s the Average Cost of Health Insurance in Illinois?

For 2026, a representative average cost for an individual plan in Illinois is about $500 per month before subsidies. Many eligible individuals qualify for premium tax credits or other supports that significantly reduce their out‑of‑pocket premium.

How Much Is Blue Cross Blue Shield of Illinois Per Month?

Blue Cross Blue Shield of Illinois offers a range of individual market plans. For example, Bronze‑level options may begin around $375 per month, with premiums increasing for plans with lower deductibles and richer benefits.

Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

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Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

See the platform

Discover the best health plans in Illinois

UnitedHealthcare
Silver
HMO
$
$
434.98
/mo
/mo

UHC Silver Advantage+ (Virtual Urgent Care + PCP Visits, Rx Copay, Dental + Vision)

Deductible:
In-Network: $2,500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered
Oscar
Expanded Bronze
HMO
$
$
352.42
/mo
/mo

Bronze Classic PCP Saver Plus Rx Copay (Select)

Deductible:
In-Network: $8,500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / In-Network-Tier-2: $30 / Out-of-Network: Not Covered
Health Alliance
Platinum
POS
$
$
732.25
/mo
/mo

2025 POS 2500 Elite Gold

Deductible:
In-Network: $2,500 / Out-of-Network: $5,000
Primary Care Visits:
In-Network: $25 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $10 / Out-of-Network: 50% after deductible

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
12

Health insurance carriers on the marketplace

428

Plans available on the marketplace

16%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Illinois