Health insurance in Illinois, 2027
Illinois runs its own marketplace now. Here is what that changes, who can get help paying, and what is new for 2027.
Last checked October 14, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Illinois has its own marketplace
Since the 2026 plan year, Illinois residents buy Marketplace plans through Get Covered Illinois instead of HealthCare.gov. The plans, the tax credits and the rules are the same federal ones; the website, the account and the dates are Illinois’s.1
- The federal plans
- The tax credits
- The rules
- The website: Get Covered Illinois
- Your account
- The dates
Who can get help paying
If your household income is between 1 and 4 times the federal poverty level, you can usually get a tax credit that lowers your premium. For 2027 that means up to $63,840 for one person or $132,000 for a family of four. Above that, there is no credit.
Adults under about 1.38 times the poverty level can qualify for Medicaid, and children qualify at higher incomes through All Kids.234
What is new for 2027
Cigna and Molina are leaving Get Covered Illinois: their 2026 plans end December 31, and members need to pick a new plan for 2027. Open enrollment starts November 1. Get Covered Illinois has not published its 2027 deadlines yet, including the last day to choose a plan that starts January 1. We will post them here as soon as it does.5
- November 1, 2026Open enrollment for 2027 starts (key step)
- December 31, 2026Cigna and Molina 2026 plans end
- January 1, 20272027 coverage starts for plans chosen by the Get Covered Illinois deadline
What to do: If your insurer is leaving or your renewal letter shows a big jump, bring the letter in during November, before any deadline.
Do you have to have health insurance in Illinois?
No. Illinois has no state penalty for going without coverage, and the federal penalty has been $0 since 2019. Going uninsured still means paying the full cost of any care you need.6
Local help, in person
Our licensed advisors work from our office in Jefferson Park, Chicago. We walk you through the plans available in your county and what to keep in mind on each one, at no cost to you.7
Related guides
Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.