Before subsidies, the average benchmark silver plan for a 40-year-old in Illinois costs $707 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across Illinois by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Illinois
People in Illinois buy marketplace coverage through Get Covered Illinois. Open enrollment runs from November 1 through January 15. Medicaid (HealthChoice Illinois) covers adults with income up to 138% of the poverty level. For 2027, marketplace plans in Illinois come from 5 insurers: Blue Cross and Blue Shield of Illinois, Ambetter (Celtic), MercyCare, Oscar Health and UnitedHealthcare. Not every insurer sells in every county. Short-term health plans are not sold in the state.
Agent licensing in Illinois
- The Illinois Department of Insurance licenses insurance producers and regulates insurers and HMOs in the state. It investigates written consumer complaints about companies and producers. Source
- Illinois producer licenses are handled through the national State-Based Systems (SBS) platform, where a licensee's record can be searched by jurisdiction, name and national producer number. Source
- Illinois producers who sell health coverage need the Accident/Health line of authority, which requires pre-licensing education and a passing exam score. Source
Free enrollment help in Illinois
Get Covered Illinois Navigators, certified by the exchange, give free, unbiased local help; the exchange also lists free licensed brokers. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Licensed agents can quote plans from multiple Illinois carriers in one call.
Call 866-645-8540Health insurance by city in Illinois
- Addison
- Algonquin
- Alsip
- Alton
- Anna
- Antioch
- Arlington Heights
- Aurora
- Barrington
- Bartlett
- Bartonville
- Batavia
- Beach Park
- Beardstown
- Belleville
- Bellwood
- Belvidere
- Bensenville
- Benton
- Berkeley
- Berwyn
- Bethalto
- Bloomingdale
- Bloomington
- Blue Island
- Bolingbrook
- Boulder Hill
- Bourbonnais
- Bradley
- Braidwood
- Breese
- Bridgeview
- Broadview
- Brookfield
- Buffalo Grove
- Burbank
- Burr Ridge
- Byron
- Cahokia
- Calumet City
- Calumet Park
- Campton Hills
- Canton
- Carbondale
- Carlinville
- Carmi
- Carol Stream
- Carpentersville
- Carterville
- Cary
- Centralia
- Champaign
- Channahon
- Charleston
- Chatham
- Chester
- Chicago
- Chicago Heights
- Chicago Ridge
- Chillicothe
- Cicero
- Clarendon Hills
- Clinton
- Coal City
- Collinsville
- Colona
- Columbia
- Country Club Hills
- Countryside
- Crest Hill
- Crestwood
- Crete
- Creve Coeur
- Crystal Lake
- Danville
- Darien
- DeKalb
- Decatur
- Deerfield
- Des Plaines
- Dixon
- Dolton
- Downers Grove
- Du Quoin
- Dwight
- East Alton
- East Moline
- East Peoria
- East St. Louis
- Edwardsville
- Effingham
- Elburn
- Elgin
- Elk Grove Village
- Elmhurst
- Elmwood Park
- Eureka
- Evanston
- Evergreen Park
- Fairview Heights
- Flossmoor
- Forest Park
- Fox Lake
- Frankfort
- Frankfort Square
- Franklin Park
- Freeport
- Gages Lake
- Galesburg
- Geneseo
- Geneva
- Genoa
- Gilberts
- Gillespie
- Glen Carbon
- Glen Ellyn
- Glencoe
- Glendale Heights
- Glenview
- Glenwood
- Godfrey
- Grandwood Park
- Granite City
- Grayslake
- Greenville
- Gurnee
- Hampshire
- Hanover Park
- Harrisburg
- Harvard
- Harvey
- Harwood Heights
- Hawthorn Woods
- Hazel Crest
- Herrin
- Hickory Hills
- Highland
- Highland Park
- Highwood
- Hillsboro
- Hillside
- Hinsdale
- Hoffman Estates
- Homer Glen
- Homewood
- Hoopeston
- Huntley
- Inverness
- Island Lake
- Itasca
- Jacksonville
- Jerseyville
- Johnsburg
- Joliet
- Justice
- Kankakee
- Kewanee
- La Grange
- La Grange Park
- LaSalle
- Lake Bluff
- Lake Forest
- Lake Villa
- Lake Zurich
- Lake in the Hills
- Lakemoor
- Lansing
- Lawrenceville
- Lemont
- Libertyville
- Lincoln
- Lincolnshire
- Lincolnwood
- Lindenhurst
- Lisle
- Litchfield
- Lockport
- Lombard
- Long Grove
- Loves Park
- Lynwood
- Lyons
- Machesney Park
- Macomb
- Mahomet
- Manhattan
- Manteno
- Marengo
- Marion
- Markham
- Maryville
- Mascoutah
- Matteson
- Mattoon
- Maywood
- McHenry
- Melrose Park
- Mendota
- Metropolis
- Midlothian
- Minooka
- Mokena
- Moline
- Monee
- Monmouth
- Montgomery
- Monticello
- Morris
- Morton
- Morton Grove
- Mount Carmel
- Mount Prospect
- Mount Vernon
- Mount Zion
- Mundelein
- Murphysboro
- Naperville
- New Lenox
- Niles
- Normal
- Norridge
- North Aurora
- North Chicago
- North Riverside
- Northbrook
- Northfield
- Northlake
- O'Fallon
- Oak Brook
- Oak Forest
- Oak Lawn
- Oak Park
- Olney
- Orland Hills
- Orland Park
- Oswego
- Ottawa
- Palatine
- Palos Heights
- Palos Hills
- Pana
- Paris
- Park City
- Park Forest
- Park Ridge
- Pekin
- Peoria
- Peoria Heights
- Peru
- Pinckneyville
- Pingree Grove
- Plainfield
- Plano
- Pontiac
- Pontoon Beach
- Poplar Grove
- Posen
- Princeton
- Prospect Heights
- Quincy
- Rantoul
- Richton Park
- River Forest
- River Grove
- Riverdale
- Riverside
- Robbins
- Robinson
- Rochelle
- Rock Falls
- Rock Island
- Rockford
- Rockton
- Rolling Meadows
- Romeoville
- Roscoe
- Roselle
- Round Lake
- Round Lake Beach
- Round Lake Park
- Salem
- Sandwich
- Sauk Village
- Savoy
- Schaumburg
- Schiller Park
- Shiloh
- Shorewood
- Silvis
- Skokie
- South Beloit
- South Elgin
- South Holland
- Spring Grove
- Spring Valley
- Springfield
- St. Charles
- Staunton
- Steger
- Sterling
- Stickney
- Streamwood
- Streator
- Sugar Grove
- Summit
- Swansea
- Sycamore
- Taylorville
- Tinley Park
- Troy
- University Park
- Urbana
- Vandalia
- Vernon Hills
- Villa Park
- Volo
- Warrenville
- Washington
- Waterloo
- Wauconda
- Waukegan
- West Chicago
- West Dundee
- West Frankfort
- Westchester
- Western Springs
- Westmont
- Wheaton
- Wheeling
- Willow Springs
- Willowbrook
- Wilmette
- Wilmington
- Winfield
- Winnetka
- Winthrop Harbor
- Wood Dale
- Wood River
- Woodridge
- Woodstock
- Worth
- Yorkville
- Zion