Individual & Family:
An Affordable Plan for You and Your Family
A silver plan may be for you if you:
- Want to pay less out-of-pocket for care
- Qualify for a premium tax credit, also known as a subsidy
- Have a spouse and/or children on your health plan
- Have regular medical needs
All Blue Cross and Blue Shield of Illinois (BCBSIL) silver plans offer the same set of health benefits, quality and amount of care. The differences with each silver plan option are how much your bill costs each month, what portion of the bill you pay for things like hospital visits or prescriptions, and how much your total out-of-pocket costs are:
- Silver plans have a monthly bill that's lower than gold plans
- With a silver plan, you’ll have lower out-of-pocket costs than with a bronze plan
- Silver plans offer you and your family affordable monthly payments and cost of care when you need help
- In most cases, silver plans cover 70% of costs, while you cover 30%
Explore Other Metallic Plan Options
Review more metallic plan options to give you and your family the perfect plan for your budget and coverage needs.
Frequently Asked Questions
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What are my Silver plan options?
There are 9 Silver level plans you might be able to choose from:
- Blue FocusCareSM offers 1 Silver plan.
Blue FocusCare plans are lower-cost HMO plans available to Cook County residents. Thes plans includes a network of over 20 hospitals and over 3500 doctors.
- BlueCare DirectSM offers 1 Silver plan.
BlueCare Direct is offered in Cook, DuPage, Kane and Lake counties. These plans are in collaboration with Advocate Health Care. You’ll have access to a large local network and quick, often same-day, appointments with your primary care physician provider (PCP).
- Blue Precision HMOSM offers 4 Silver plans.
Blue Precision HMO plans are available if you live in the Chicago area, Rockford or Peoria. Like all HMOs, these plans help to keep your costs low and predictable.
- Blue Choice Preferred PPOSM offers 3 Silver plans.
Blue Choice Preferred PPO plans are available in all counties and offer the largest number of in-network doctors. This means you’ll have more flexibility when choosing your care and services.
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How can I find different plans and how much they cost?
When you’re looking for a new health plan, you’ll normally be able to find all available plans and their monthly bill on the shopping platform you’re using. The plans you can enroll in are determined by your ZIP code.
With BCBSIL, you can find available plans and their costs by adding your information, like name and ZIP code, to the online shopping platform.
Understand other health plan costs, like deductibles and premiums, and how they work together
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Am I able to change my health plan?
There are two “seasons” for Individual and Family health insurance, each with different guidelines for enrolling in a new health plan.
Open Enrollment Period: During Open Enrollment, you’re free to pick a new Individual and Family plan. You don’t have to go through any life changes like you do during Special Enrollment. Open Enrollment starts November 1st and typically lasts just over 2 months, ending January 15th.
Special Enrollment Period: During Special Enrollment, you can choose a new health plan if you’ve gone through certain life changes that affect your coverage. Some of the more common events are losing or changing jobs, getting married, having or adopting a child or moving. Learn more about the Special Enrollment period.
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How can I find my health plan’s benefits?
Most of your plan’s benefits can be found in your Summary of Benefits. There, you’ll find a brief breakdown of your plan’s costs, covered services, benefits, and more.
As a BCBSIL member, you’ll have more than just the benefits covered in your plan – you’ll get savings on health and wellness costs with Blue365®, guidance for your health journey through the Well OnTarget® portal and more.