Buying Health Insurance In Illinois - Illinois uses a partnership exchange with the federal government. By 2022, 11 insurance companies will offer exchange plans in Illinois.
Illinois operates a partnership exchange with the federal government; The state Department of Insurance operates Get Covered Illinois, including its website, personal support and helpdesk, and the federal government provides the IT platform - Healthcare.gov - that Illinois residents use to sign up for coverage or change insurance plans.
Buying Health Insurance In Illinois
The administration of former Governor Pat Quinn announced in July 2012 that the Illinois market would operate as a partnership of states. Quinn hopes to use the partnership model as an intermediate step toward a government-run market for coverage year 2015. However, a state replacement bill passed in the Senate in 2013 did not receive a vote in the House. It is expected that the stock exchange legislation will be considered during the fall session of 2014. However, the House of Representatives has not resolved the issue, and Illinois continues to have a partnership exchange (as mentioned above, the state part of the partnership is merged into the Department of Insurance in August 2015).
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Rep. Robyn Gabel hopes the issue will gain traction in 2015 as the U.S. Supreme Court rules that premium subsidies can be legally provided in states that do not operate their own health insurance exchanges. By transitioning to a state stock exchange, Illinois will get ongoing subsidies for its residents, regardless of the court's decision. But the courts ultimately decide subsidies are legal in every state, regardless of whether the federal government runs the exchange or not.
About 12% of the state's population remains uninsured after the first open enrollment phase. In response, officials awarded nearly $26 million to 37 organizations for hard-to-reach audiences in 2014: Latinos, African Americans and millennials. The effort paid off, and Illinois' uninsured rate dropped again from 2014 to 2015.
The Trump administration announced in mid-2017 that it would no longer fund community enrollment assistance programs in 18 cities across the country, including Chicago. The federal government has also drastically cut the advertising budget for HealthCare.gov. All of this has left consumer advocates in Illinois scrambling to fill the gaps and ensure that consumers have enough contact and registration assistance. But the Biden administration increased funding for advertising, public relations and enrollment support for HealthCare.gov, and enrollment recovered starting in 2022.
The open enrollment period for 2022 coverage runs from November 1, 2021 to January 15, 2022. Outside of the open enrollment period, a special enrollment period is required to enroll or change your coverage. Special enrollment periods are generally linked to qualifying life events, although some special enrollment periods (such as enrollment opportunities for Native Americans or for people earning less than 150% of the poverty line) do not have to be linked to specific life events. Find out more in our comprehensive guide to open enrollment and special enrollment periods.
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By 2022, 11 insurance companies will offer exchange plans in Illinois. This includes three insurers joining the exchange starting in 2021 (Bright Health, MercyCare HMO and SSM Health Plan/WellFirst Health) and three more joining for 2022 (Oscar, Molina and UnitedHealthcare).
The following insurers are offering plans on the Illinois Stock Exchange for 2022, with plan availability varying from one location to another:
Many states are getting new marketplace insurance for 2022. But among the 33 states that use HealthCare.gov, only four states are getting more than three insurance companies. And the Illinois market is also adding three new insurers in 2021.
2014: Five insurance companies offered individual market plans on the Illinois Stock Exchange in 2014: Aetna, Health Care Service Corporation (Blue Cross Blue Shield of Illinois), Health Alliance, Humana, and Land of Lincoln (CO-OP formed by the ACA).
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2015: Time and IlliniCare joined the exchange for 2015, bringing the number of participating insurers to eight, but both insurers only offered one-year plans and exited the exchange at the end of 2015.
2016: Time / Assurant announced in mid-2015 that it will exit the health insurance market nationwide by the end of the year, and plans for 2016 will not be available.
But Aetna, Celtic and Harken exited in 2016. Celtic is IlliniCare's sister company. Aetna offered a public plan in 2014 under the name Aetna Life Insurance Company, but exited in 2015. It returned for 2016 as a separate legal entity, Aetna Health Inc.
In 2016, there were nine airlines offering a total of 290 plans to individuals on the Illinois stock exchange (ten if you count Coventry as two separate airlines, operated by the Insurance Division). Three airlines - HCSC, Land of Lincoln and Coventry - offer national plans.
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Health Care Service Corp. (Blue Cross Blue Shield of Illinois) covers approximately 80 percent of the state's individual market participants.
BCBSIL announced in September 2015 that it would no longer offer a broad PPO network (Blue PPO) for ACA-compliant plans in 2016.
With Celtic entering the market, they offer the best value plans in a number of areas. This is good news in terms of additional competition, but bad news for those who stuck with the 2015 plan and then received a smaller subsidy in an area where Celtic, with premiums below the 2015 benchmark level, had been the benchmark. That's the case in Cook County, where Celtic's low prices (and very limited network) caused the 2016 subsidy to drop.
There are fewer plans available in Cook County for 2016, but the Department of Insurance notes that this is primarily due to "IlliniCare canceling some plans that offer the same medical benefit package, the only difference in coverage being the dental care option." Adult and/or adult eye . This represents a reduction of 44 plans.
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The Department of Insurance confirmed that no Platinum plans were available in the individual market in Illinois in 2016. In 2015, 81 Platinum plans were available, up from 25 in 2014. However, all have been discontinued since 2016. This is a national trend as platinum plans tend to have very low registration rate compared to other metal levels.
2017: Aetna pulled out of the Illinois stock exchange in late 2016, as did 11 of the 15 states that offered plans on the exchange in 2016. UnitedHealthcare also went public, as did Harken Health, which offered plans in the Chicago area in 2016 (Harken also pulled out of the stock exchange Georgia; Illinois and Georgia are the only two states that Harken offers a plan, and only participate in the stock exchange for the first time in 2016).
In 2016, there are two separate Coventry companies listed plans on the Illinois Stock Exchange: Coventry Health & Life Insurance Co and Coventry Health Care Illinois, Inc. Illinois Department of Insurance confirmed that Coventry does not list plans will 2017.
For example, Harken, Aetna, Coventry and UnitedHealthcare exited in late 2016, and Land of Lincoln Health went into liquidation in the fall of 2016, with reports ending on September 30, 2016 (see exit details below). But Cigna joined the Chicago-area exchange for 2017. So the Illinois stock exchange has five airlines offering plans for 2017, up from nine in 2016.
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2018: Humana, one of five insurers to list plans on the Illinois Stock Exchange in 2017, exited the statewide individual health insurance market at the end of 2017. Illinois has 13 rate zones, and Humana offered coverage in Northern Illinois in 2017 in three full zones (5, 7, and 8) and a partial rating zone of 10.
2019: Celtic, HAMP, HCSC (BCBSIL) and Cigna all continue to offer plans for 2019, and they are joined by newcomers Gunderson/Quartz/Unity.
2020: The same five insurance companies offer coverage, although the name of the Gunderson/Quartz/Unity plan in 2020 is Quartz Health Benefit Plans Corporation.
2021: Bright Health, MercyCare HMO and SSM Health Plan (WellFirst Health) all join the Illinois exchange. Cigna and Celtic/Ambetter are expanding their existing coverage areas.
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2022: UnitedHealthcare, Oscar and Molina join the Illinois stock exchange (UnitedHealthcare previously offered plans on the market but pulled out in late 2016).
The Illinois Department of Insurance found that the second-best average silver plan (the benchmark plan used to determine premium subsidy amounts) for 2022 was down 3%. For the lowest-priced Bronze plan and the lowest-priced Silver plan, the average premium is down 2% for 2022. For the lowest-priced gold plan, the average premium for 2022 is down 6%.
2015: ACA-compliant plans were launched in 2014, and premiums are generally an educated guess. The Illinois Department of Insurance summarizes the 2015 premium increases by metal level, with an average increase of 11 percent for the lowest-priced bronze plans, 2.6 percent for the lowest-priced silver plans, and 3.7 percent for the lowest-priced gold plans:
2016: According to the Illinois Department of Insurance, the average rate increase for the lowest-priced Silver plan on the Illinois Stock Exchange for 2016 was 5.3% and the average rate increase for the lowest-priced Bronze plan was 11.3%.
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Blue Cross Blue Shield of Illinois implemented an average rate increase of 17.9% in individual market plans in 2016 (ranging from a 17.5% decrease to an increase of more than
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