Health Insurance Cost in Illinois

Health insurance premiums in Illinois vary by household size and plan type. Single coverage averages $490, while family plans average $1,350 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$330

Average:$490

High End:$740

Couple

Monthly premium

Low End:$660

Average:$980

High End:$1,480

Family of 4

Monthly premium

Low End:$990

Average:$1,350

High End:$2,000

Health Insurance in Illinois: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use Get Covered Illinois.

Major Carriers

Common insurers in the state include:

Blue Cross Blue Shield of IllinoisAmbetterCignaOscar

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $330 to $740

View details →

Couple Coverage

Monthly premiums range from $660 to $1,480

View details →

Family of 4 Coverage

Monthly premiums range from $990 to $2,000

View details →

Related Resources

ACA subsidy examples for Illinois
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in Illinois
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.