With BCBSIL, we offer HMO, PPO and Point of Service (POS) plans, all with Gold, Silver or Bronze metallic level options. Compare the different costs and benefits of BlueCare Direct℠, Blue Choice Preferred PPO℠, Blue Precision HMO℠ and MyBlue Plus℠.
Individual and Family
Your 2026 Illinois Individual Health Insurance
Are you looking for an Affordable Care Act (ACA) plan in Illinois? Explore your options with BCBSIL. If you recently went through a big life change, you might be able to enroll today.
What are BCBSIL's benefits?
From covered care to mobile apps, start exploring the benefits BCBSIL individual and family plan members have.
What are BCBSIL's individual and family plan options?
BlueCare Direct
An HMO plan available in the Chicagoland area, in collaboration with the Advocate Health Care system. HMO plans are often more affordable than PPO plans.
BlueChoice Preferred PPO
Your statewide PPO option, with wider networks and more care options. Between the network size and the PPO coverage, this plan offers you more flexibility.
Blue Precision HMO
An HMO plan in the Chicago area, Rockford and Peoria, giving you dedicated care from your chosen medical group and lower costs than a PPO plan.
MyBlue Plus
A lower-cost Chicago-area POS plan with local care options like the University of Chicago Medicine, Advent Health and more. POS plans balance the costs of HMOs with the flexibility of PPOs.
Resources
Explore Member Resources
Why should I choose BCBSIL?
Quality Care Options
Get easier access to in-network care and savings with our provider networks.
Wellness Programs and Support
Join wellness programs like Well onTarget®, get coaching and earn Blue Points℠ rewards for healthy choices.1
Levels of Cost and Care
Our plans are offered at Gold, Silver and Bronze levels to meet your budget and care needs.
Essential Benefits Covered
Essential benefits, like hospital care or prescription coverage, are always included — some costing as low as $0.
FAQs
Frequently Asked Questions About Individual Coverage
1 Well onTarget and AlwaysOn are owned and operated by Onlife Health Inc. an independent company that provides digital health management for members with coverage through Blue Cross and Blue Shield Plans in Illinois, Montana, New Mexico, Oklahoma and Texas. No endorsements, representations or warranties are made regarding third-party vendors and the products and services offered by them.
Blue Points Program Rules are subject to change without prior notice. See the Program Rules on the Well onTarget Member Wellness Portal at wellontarget.com for further information. The Well onTarget member rewards redemption services is provided by an independent third party.