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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.

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Already a BCBSIL Member?

Learn how to renew the BCBSIL plan you trust for 2027.

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Overview

What should I know before I enroll in 2027 coverage?

Find out how BCBSIL plans work, which doctors and hospitals are in network, prescription coverage and other benefits to help narrow down your options. We'll walk you through:

  • Plan types and Bronze, Silver and Gold metallic levels
  • Provider networks and in-network care
  • Plan benefits and member resources
  • Open Enrollment information and next steps

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.

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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.

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BlueChoice Preferred PPO

A statewide PPO plan option with a larger network and more care options. Choose providers across Illinois and enjoy added flexibility.

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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.

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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.

Why Choose BCBSIL?

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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.
 

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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!

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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.

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Enrollment Guidance

With our excellent customer service, we’ll guide you through the process - whether you prefer a human connection or a digital one.

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What can I do with my BCBSIL member account?

Your secure BCBSIL member account is your on-the-go resource to use your coverage, explore your benefits and track your claims and spending. After registering for a plan, you can:

  • Search for in-network care
  • Access your digital member ID card
  • Track your annual deductible and out-of-pocket maximum spending
  • Find out the status of current and past claims
  • Check your benefits and coverage

Want even easier access? Download the BCBSIL App to access these resources anytime, anywhere. Through the app, you can opt in or opt out of your data sharing preferences.

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How can I check if my doctor is in a 2027 plan network?

Use Provider Finder™ to search for doctors, specialists and hospitals in BCBSIL plan networks. Search by ZIP code and care needs, then review the network for any plan you're considering.

Checking your preferred doctors and hospitals before choosing a plan can help you compare your options.

Not sure where to start? Use our Care Options Guide to learn about your care choices and costs.

How can I know my prescription coverage for 2027?

BCBSIL individual and family plans include prescription drug coverage, but covered medications can vary by plan. Review the 2027 drug list and pharmacy benefits when they are available to see how your prescriptions may be covered.

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.

Find out how to make your plan more affordable.

Resources

Explore Member Resources

FAQs

Frequently Asked Questions About Individual Coverage