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Understand your plan choices
Get Covered Illinois has information to help you choose the best coverage for your needs and budget. You can compare plans by monthly premiums, deductibles, out-of-pocket costs, provider networks and covered services.
Health plans are grouped into categories based on how you and your plan share costs.
These categories affect:
- Your premium (monthly cost)
- Your deductibles, coinsurance and copayments (total out-of-pocket costs)
Tips to help you choose a health plan
Choosing the right plan depends on your health needs, budget and how often you use care. Here are some things to consider:
Your health care needs
- How often do you visit the doctor? If you rarely go, a plan with lower monthly premiums and higher out-of-pocket costs might work for you.
- Do you have a chronic condition or take regular prescriptions? You may want a plan with higher premiums but lower costs when you get care.
- To learn more about what is covered, go to Essential health benefits.
What you can afford
- Think about how much you could pay out-of-pocket if you had an unexpected illness or injury.
- Are you comfortable with a high deductible, or would you prefer to pay more monthly to reduce surprise costs?
Types of financial help
- Most Illinois residents qualify for Premium Tax Credits to lower monthly costs.
- If you qualify for Cost-Sharing Reductions, you need to enroll in a Silver plan to take advantage of that benefit.
- To learn more about money you can save, go to Financial help.
Compare plans
- When you apply on Get Covered Illinois, you can compare plans by monthly premiums, deductibles, out-of-pocket costs, provider networks and covered services.
- Consider the health care needs of your whole household when choosing a plan.
- To explore plans, go to Enroll. Select Browse for health & dental plans.
Trusted partners
Get Covered Illinois works with well-known health insurance companies who offer high-quality health and dental plans that meet all state and federal requirements. Contact your insurer.
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