Individual and Family
Illinois Individual & Family Health Insurance 2027
Open Enrollment's here for Individual and Family Health Insurance in Illinois. Compare BCBSIL health plans, provider networks, prescription drug coverage, and benefits. Enroll by Dec. 15 for coverage on Jan. 1.
Learn how to renew the BCBSIL plan you trust for 2027.
What are BCBSIL's individual and family plan options?
BCBSIL offers HMO, PPO and Point of Service (POS) plans, with Gold, Silver and Bronze metallic level options. Compare plans to learn about costs, benefits and coverage options.
BlueCare Direct
An HMO plan available in the Chicago area, in collaboration with Advocate Health Care system. HMO plans are often more affordable than PPO.
BlueChoice Preferred PPO
A statewide PPO plan option with a larger network and more care options. Choose providers across Illinois and enjoy added flexibility.
Blue Precision HMO
An HMO plan available in the Chicago area, Rockford and Peoria. Choose a medical group for your care and enjoy lower costs than many PPO plans.
MyBlue Plus
A lower-cost Chicago area Point of Service (POS) plan with local care options. POS plans balance the costs of HMOs with the flexibility of PPOs.
Find Your Fit with Metallic Level Plans
Health care needs are different for everyone. Maybe you want to save more in 2027 or need a little extra care. We have plans that fit every family.
- Gold Level
- Silver Level
- Bronze Level
Why Choose BCBSIL?
Network and Care
BCBSIL's strength, trustworthiness and broad physician network combined with customer care. With a wide variety of plans available, it’s easy to find the right plan.
Wellness Programs and Support
We offer our members’ different types of wellness programs, ranging from rewards programs, behavioral health, maternal care, prescription discounts and more!
Benefits of Coverage
All plans cover prescription drugs and mental health services. Plus, your yearly checkup, and many other preventive care screenings are available at no additional cost.
Enrollment Guidance
With our excellent customer service, we’ll guide you through the process - whether you prefer a human connection or a digital one.
Cost and Savings
What health insurance costs should I compare?
Look beyond the monthly premium when comparing 2027 plans. Check deductibles, copays, coinsurance and out-of-pocket maximums to know what you may pay for coverage and care:
- Premium: The amount you pay each month to keep your health coverage active.
- Deductible: The amount you generally pay for covered care before your plan begins sharing certain costs.
- Copay: A fixed dollar amount you may pay for covered care.
- Coinsurance: A percentage of the cost of covered care that you may pay.
- Out-of-pocket maximum: The most you pay for covered in-network care during the plan year before your plan pays 100% of covered costs, subject to plan terms.
Can I get help paying for my health insurance in 2027?
You may qualify for financial help to lower your monthly payments, such as a premium tax credit, based on eligibility. The amount of financial help you qualify for may change, so review current income and household information when you’re ready to apply.
Resources
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