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Individual & Family

Compare BCBSIL's Individual & Family Plans

Use our plan comparison guide to compare your BCBSIL Afforadable Care Act (ACA) options, costs and features side-by-side.  Feel confident when you enroll in Illinois coverage.

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Overview

How can I compare my individual and family options with BCBSIL?

Use our side-by-side comparison chart of BCBSIL's 2026 individual and family, or ACA, health insurance plans. Think about your health care needs and what you want in a health insurance plan. Then, review each plan's details like:

  • Plan type
  • Metallic levels
  • Deductible
  • Copay and coinsurance costs
  • If you'll need to choose a primary care provider (PCP)

Each plan's premium depends on factors like your ZIP code, if you qualify for premium tax credit savings and how many people are in your family. You can check how much you'd pay for a plan each month in our online shopping platform.

Understand Comparison Categories

The plan comparison table helps you compare the main plan details that could affect your budget and care options, like:

  • Plan name: The name of the health insurance plan
  • Plan type: The type of plan, like HMO, PPO or POS. Learn more about the types of health insurance plans.
  • Offered metallic levels: The metallic levels (Gold, Silver or Bronze) offered for each plan. Understand the metallic levels.
  • Deductible: The range of plan's deductible amount
  • Copay and coinsurance costs: The plan's starting copay and coinsurance
  • Is a PCP required? If the plan requires you to choose a PCP
  • HSA eligible?

A plan's deductible, copay and coinsurance depends on the metallic level you choose.

Compare Your BCBSIL Individual & Family Plan Options

Think about what you're looking for in a health insurance plan. Then, compare your options with our plan comparison chart. Understand what some of the costs of your plan could look like, where each plan is available, what type of plan it is and how you can expect to get care.

 

BlueCare DirectSM
Cook, Dupage, Kane and Lake Counties

Blue Choice PreferredSM
Statewide

Blue PrecisionSM
Chicago area, Rockford and Peoria

MyBlue PlusSM
Cook, DuPage, Kane, Kankakee, and Will Counties

Plan Type

HMO

PPO

HMO

POS

Offered Metallic Levels

Gold, Silver, Bronze

Gold, Silver, Bronze

Gold, Silver, Bronze

Gold, Silver, Bronze

Deductible

$2,000 - $7,500

$1,200 - $8,600

$750 - $7,500

$250 - $7,500

Copay and
Coinsurance Costs1

Copays start at $30
Coinsurance starts at 25%

Copays start at $5
Coinsurance starts at 25%

Copays start at $15
Coinsurance starts at 25%

Copays start at $10
Coinsurance starts at 25%

PCP Required?

Yes

No

Yes

Yes

HSA Eligible?

Gold: No
Silver: No
Bronze: Yes

Gold: No
Silver: No
Bronze: Yes

Gold: No
Silver: No
Bronze: Yes

Gold: No
Silver: No
Bronze: Yes

How can I save money on my health insurance plan in Illinois?

You can do a few things to lower your health insurance costs. Choose a bronze plan if you don't need much care, check whether you qualify for premium tax credits or other financial help and use in-network doctors and hospitals.

Consider Bronze Level Plans

Bronze level plans may have your lowest premium cost. If you're normally healthy, don't regularly visit the doctor and don't have dependents, a bronze level health insurance plan could help keep your monthly costs low.

Understand Bronze Level Plans
Scissors cutting a dolalr bill

Check Your Subsidy Savings

If you qualify, premium tax credits could help you lower your monthly health insurance bill. Your savings amount depends on your household size, annual income and ZIP code. Check if you qualify when you start shopping.

Check If You Qualify
Doctor icon

Use Covered Care and Medicine

Whether you have an HMO, PPO or POS plan, choosing an in-network provider is normally your cheapest care option. Before you enroll in a plan, check that it covers the doctors, hospitals and prescriptions you prefer.

Check In-Network Options

How can I get help from a health insurance agent?

From exploring your options to submitting your application, our certified sales agents are ready to help.

Call: 1-866-514-8044

FAQs: Individual & Family Plans

Find helpful answers to some common questions about the individual and family health insurance plans with BCBSIL.

1 Copay and coinsurance rates represent those for most common service types, including primary care office visits, urgent care visits and emergency services.