About Health Insurance in Illinois

Illinois residents have an advantage in working with East Coast Health Insurance for their individual health care, as we have offices located in the state. Since we are local, we can provide you with the most up-to-date knowledge and assistance when choosing your method of care. East Coast Health Insurance currently offers Illinois health insurance companies including Aetna, Blue Cross Blue Shield of Illinois, Coventry, Humana One, and United Health.

In our recent analysis of the Illinois health insurance market, we found that Blue Cross, United, and Humana were usually at the top of every health quote we ran.  For those over 55, Aetna also was affordable.

Our licensing department is currently pursuing My Health Alliance which is a small, regional carrier that offer plans in Illinois and Iowa which was founded by physicians in 1980, and is the largest managed care organization based in downstate Illinois.  If the carrier (or any carrier for that matter) is absent from our quote engine please call us and let us know as can quote all companies over the phone.


  • Total Population: 12,814,300
  • Total Uninsured Population: 1,863,800 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,983
  • Average State Premium for Individual Health Insurance: $203

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Illinois

East Coast Health Insurance simplifies the process of getting a quote. Start by entering your zip code above, or for extra assistance you can speak with one of our Illinois experts to find the best rates for you over the phone at 888-803-5917.

Illinois Medicaid

The State of Illinois Health and Wellness is a one-stop source for your healthcare needs and can be found at Here, parents can sign up their children for the state’s affordable health insurance programs, seniors can sign up for an affordable prescription drug programs, women can find information on free breast and cervical cancer screenings, and much more. The mission of this program is to ensure that in Illinois there is a solid system of quality, efficient and affordable healthcare.  This program strives to make Illinois a leader in the implementation of national healthcare reform.

Currently, even though health reform passed, there is still a shortage of care in the state.  That means making sure there are enough doctors’ offices or clinics where people can get primary healthcare services rather than depending on emergency rooms.  Additionally, it is critical to emphasize prevention and wellness to keep people healthy, not just paying medical bills after a sickness; and promoting a coordinated system of care to replace our fragmented healthcare services.

Illinois All Kids

The All Kids program offers many Illinois children comprehensive healthcare that includes doctors visits, hospital stays, prescription drugs, vision care, dental care and medical devices like eyeglasses and asthma inhalers. Premiums can be free or in the case of middle class families that struggle to pay for health insurance, the premiums are still cheaper than the private health insurance market. An example from their website shows a family of four that earns between $45,000 and $67,000 a year that pays only a $40 monthly premium per child, and a $10 co-pay per physician visit. Fill out the All Kids Illinois Application today.

Illinois Family Care

The FamilyCare program offers healthcare coverage to Illinois parents that live with their children that are 18 years old or younger. In the case of relatives that care for children in the place of parents, FamilyCare will also cover them.  Like the All Kids program, FamilyCare includes coverage for doctor visits, dental care, specialty medical services, hospital care, emergency services, prescription drugs and more.

FamilyCare will help you even if you have private health insurance, if your family income qualifies for FamilyCare Share, Premium or Rebate.  In this situation, you have a choice, pick FamilyCare Rebate helps to pay for your insurance premiums or choose FamilyCare Share and FamilyCare Premium to provide a medical card to help cover medical services that your plan does not cover.

To qualify for the FamilyCare program you must be U.S. citizens or meet immigration requirements. Most health services have small copayments of $2 to $3 for office visits and prescriptions.  The premiums for parents enrolled in FamilyCare can range from $15 to $40 depending on the number of family members that elect coverage.


 Illinois Health Insurance Market & Laws

Health insurance regulations in Illinois are in place for the benefit of both the insurer and the insured. The guaranteed renewability provision is mandatory in all Illinois plans. This allows you the right to renew your health insurance policy at the end of a term with the same company. Because of this law, your insurer must allow you to renew your existing policy if you have met your premiums and have not violated your policy.

Also, if a health insurance plan covers dependents, it is required by law that newborns and adopted children be covered under their parents’ individual health insurance for the first 31 days after birth or adoption.

Pre-existing conditions are defined in Illinois as a condition you received treatment for or were diagnosed with at any time before enrolling in health insurance. Exclusion periods, or time when the insurance company will not pay any expenses related to that condition, can last for any length of time the insurance company decides.

They can also attach an elimination rider to your plan for a pre-existing condition to permanently deny you coverage for that condition. Also, when you change insurance carriers, they are allowed to set their own exclusion period length.

Insurance companies in Illinois are permitted by law to deny you health insurance or increase your premiums based on your age and health.


For individuals who live in Illinois, health insurance is required to cover the following medical expenses:

  • Maternity care, during and after pregnancy
  • Breast, cervical, prostate and colorectal cancer exams
  • Care for diabetes-related illnesses
  • Equal coverage for physical and mental health care

For more information on Illinois health insurance laws, visit the Illinois Department of Insurance site.



1. Kaiser Family Foundation, “Illinois – State Health Facts”.

2. HFS.

3. Illinois Department of Insurance, “Laws and Rules”.

4. Health Insurance In-Depth, “Illinois Health Insurance”.