The state of Illinois currently does not have a state-run health exchange, where you can get quotes directly. Instead, the federal health exchange will direct you to a number of approved insurance brokers and exchanges. Some of these are privately owned. Others will direct you to publicly held, for-profit companies.
As a basis for comparison, we encourage you to get quotes from other insurance coverage providers. Specifically, you should have health insurance quotes from current providers, as a base for comparison against federal exchange-approved providers. This ensures that you have a better range of plans, pricing information and overall access to affordable healthcare benefits.
Obamacare in Illinois
The Affordable Care Act (ACA), also known as Obamacare, makes healthcare insurance available to every American. During the Open Enrollment Period, which begins on November 1, 2016, people can review their options and sign up for health insurance at http://www.healthcare.gov. This is the online Federal Marketplace, where people can choose the plan and the price that’s best for them.
If you live in Illinois, you can visit the Get Covered Illinois website, at http://getcoveredillinois.gov. Here, you can search the Illinois online marketplace for health insurance. If you have Medicaid, you’re already covered and don’t need to apply for Obamacare. If you already have an insurance plan you’re happy with, you also don’t need to apply.
But if your plan is expensive or doesn’t provide enough coverage, you can review your Obamacare options. And, you can consider switching from your insurance to one of the Obamacare plans offered. You can also apply for health insurance coverage for a small business.
The Illinois website is easy to use. You follow the prompts and answer questions about your situation. The website tells you if you qualify for Obamacare. If you do, you can click Visit the Health Insurance Marketplace. Once there, you can:
- Create an account
- Pick and plan
You can also look at a checklist that will help you collect the documents you need to enroll. If you’d prefer, you can select an option that says Learn More First. There, you can answer questions that will narrow down your search; for example, if you’re looking for insurance for your small business. You can also live chat with a representative on the website.
Obamacare provides insurance for pre-existing conditions and prevents insurance companies from dropping you. There’s a mandate that all Americans have to be covered by January 1st of each year; however, open enrollment runs in 2016 until January 31, 2016.
You can use the links below to get quotes direct from national insurance providers.