How much does health insurance cost in Illinois in 2026?

Illinois runs its own health insurance marketplace, so this page uses statewide 2026 estimates plus private plan ranges; enter your ZIP in the tool for your household.

Cheapest Bronze, age 40

$469/mo

statewide estimate

Silver benchmark, age 40

$646/mo

KFF statewide average

Insurers

—

see state marketplace

Plans

—

Counties

102

in this state

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze	$367–$509	$417–$577	$469–$650	$655–$908	$996–$1,380
Silver	$499–$658	$566–$747	$638–$841	$891–$1,175	$1,354–$1,786
Gold	$502–$704	$570–$799	$642–$899	$897–$1,257	$1,364–$1,910

Illinois runs its own marketplace, which is not in the federal plan file, so these are statewide estimates built from the 2026 benchmark premium (KFF) and the tier spreads seen in HealthCare.gov states. The state marketplace, Get Covered Illinois (state-based marketplace since PY2026; previously HealthCare.gov), has the exact county plans.

Ranges at a glance (age 40)

What a tax credit does (statewide estimate)

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$359/mo	$469 → $110
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,420/mo	$1,488 → $67

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for Illinois

Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.

Show my price ranges

Private plans in Illinois

Age	Man, monthly range	Woman, monthly range
30	$60–$338	$139–$442
40	$131–$472	$166–$523
50	$262–$554	$245–$541
60	$425–$762	$356–$689

A family of four (parents 40 and 38 with two children) is typically quoted $505 to $988 a month in Illinois. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.

Illinois counties

Questions people ask

How much is health insurance in Illinois per month?

For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $469 to $650 a month across Illinois counties, Silver $638 to $841, and the silver benchmark that tax credits are based on is about $646. Most people who qualify for a credit pay far less; see the examples above.

Does Illinois have Medicaid expansion?

Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.

Where do Illinois residents enroll in a Marketplace plan?

Illinois runs its own marketplace, Get Covered Illinois (state-based marketplace since PY2026; previously HealthCare.gov). Open Enrollment dates are set by the state each fall; outside the window you need a qualifying life event.

Are private health plans cheaper than the Marketplace in Illinois?

Often, for healthy households that do not qualify for a tax credit. A healthy 40-year-old man is typically quoted $131 to $472 a month on private plans in Illinois, versus $469 to $650 for Marketplace Bronze at full price. Private plans are medically underwritten and are not ACA plans, so anyone with a tax credit or ongoing conditions usually does better on the Marketplace.

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); KFF marketplace benchmark premiums; HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.