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3 forms found in the DOM

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    <div class="col-md-12 main-widget-btn-container"><button type="submit" class="quote-btn"> Start my quote </button></div>
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POST

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GET /fas

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    <div class="col-md-12 secondary-widget-btn-container"><button type="submit" class="quote-btn"> Start my quote </button></div>
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Text Content

ONLY 245 DAYS LEFT DURING HEALTH
INSURANCE
OPEN ENROLLMENT!

Open Enrollment Period
BEGINS: November 1st   -   ENDS: January 15th


Obamacare-Rates.com is not a government website and is privately owned.

Need a quote? Call toll free:

1-833-460-13991-833-460-1399Mon - Sat 8 AM - 8 PM EST


HEALTH PLAN OPTIONS 2023


ENTER ZIP CODE & COMPARE RATES TO SEE HOW MUCH YOU CAN SAVE!*

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We have plans available in Illinois

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Illinois has a variety of Health Plan Options to find. Plans may be available
from these providers and more:



We've helped 1000 People in your area!






TO SHOP OVER THE PHONE CALL
1-833-460-1399

SPEAK WITH A LICENSED AGENT AND GET EXPERT ADVICE ON CHOOSING A PLAN THAT'S
RIGHT FOR YOU.


*POSSIBLE PLAN OPTIONS INCLUDE, BUT ARE NOT LIMITED TO MAJOR MEDICAL PLANS,
SHORT TERM PLANS, FIXED INDEMNITY PLANS, COMMUNITY/COST-SHARING PLANS AND MORE.
PRICES MAY VARY BASED ON PLAN TYPES, LOCATION, AND OTHER FACTORS.


CLICK YOUR STATE BELOW


TO GET FREE HEALTH PLAN QUOTES & SAVE!

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Colorado
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Idaho
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Indiana
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Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
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Montana
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Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
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Rhode Island
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South Dakota
Tennessee
Texas
Utah
Vermont
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Washington
West Virginia
Wisconsin
Wyoming

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HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth
DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth
DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
start my quote


FREQUENTLY ASKED QUESTIONS


WHAT TYPE OF AFFORDABLE HEALTH PLAN OPTIONS CAN I FIND?

Finding health insurance that fits all your medical needs doesn’t need to be
difficult. But it’s important to remember health plans aren’t a
one-size-fits-all solution. 

No one knows your needs better than you. So take some time to learn about
various types of health options and work with your agent to find the best fit.


AFFORDABLE CARE ACT (ACA) PLANS 

The comprehensive healthcare reform law, known commonly as ACA or Obamacare,
requires qualified insurers to provide individual health insurance plans to
enrollees that meet the minimum essential coverage requirements. These plans are
designed to make healthcare more affordable and to provide coverage to everyone,
including those with pre-existing conditions.

With an ACA health plan, you pay a monthly premium and typically, a co-pay when
you visit your doctor. When choosing your plan, it’s important to look at the
deductible, which is the amount of money you pay before your insurance “kicks
in,” and your out-of-pocket maximum, which is the total amount of money you pay
annually before your insurance covers you 100%.

Also, keep in mind, that while all ACA health insurance plans include dental and
vision coverage for children, they may not include it for adults. If you need
vision and dental coverage, and your plan doesn’t include it, you’ll have to
purchase it separately.


SHORT-TERM PLANS


Short-term health insurance is designed to fill gaps in coverage. It’s ideal for
people who are:


 * Switching jobs and in between benefits.
 * Waiting to be Medicare-eligible.
 * Not qualified for an ACA plan, but will have other insurance in the near
   future.
 * Transitioning from their parent's health insurance plan to their own.

Keep in mind, short-term medical plans aren’t required to meet the same
guidelines as ACA plans. Because of this, many don’t cover pre-existing
conditions, including pregnancy. 

Some plans also have maximum payout amounts and waiting periods for coverage to
begin. So, when choosing a short-term plan, it’s important to completely
understand what is and isn’t covered before you buy.


FIXED INDEMNITY PLANS

Fixed indemnity plans aren’t traditional health insurance coverage. These plans
are designed to supplement your health insurance by reimbursing you for
out-of-pocket expenses you pay on covered medical treatments and procedures.

For example, if your health insurance has a $500 deductible for emergency room
visits, this is what you pay if you receive treatment at the ER. Then, you can
submit your receipts to the provider who manages your fixed indemnity plan for
reimbursement.

Keep in mind, fixed indemnity plans don’t cover pre-existing conditions. In
fact, they typically have a list of specific procedures and medical treatments
that are covered, so make sure you understand when you’re reimbursed and when
you aren’t before you buy. 

Also, the amount of costs reimbursed to you could affect your Medicaid
eligibility (if applicable).


COMMUNITY/COST-SHARING PLANS

Community/cost-sharing plans are not real health insurance plans. These plans
are designed to supplement your health insurance in an effort to help you manage
costs.

When you purchase a cost-sharing plan, you aren’t buying health insurance.
Instead, you’re buying into a community plan that pulls everyone’s monthly
payments together and uses that money to help pay for its member’s out-of-pocket
medical expenses. 

Keep in mind, each program has specific guidelines. Before you buy, make sure
you know what type of medical expenses you can get reimbursed for.


WHAT SHOULD I ASK THE AGENT WHEN I SPEAK TO THEM ON THE PHONE TO ENSURE I GET
THE PLAN I NEED?

When exploring your health plan options, you can ask the agent these questions
to help determine if the coverage fits your needs. 

 * Is this a managed care or an indemnity plan?
 * Is this plan ACA compliant?
 * Is this a cost-sharing plan or is it real health insurance?
 * Is this health insurance or a plan that supplements my current health
   insurance?
 * How much money do I have to pay out-of-pocket annually for medical care?
 * Is there a co-pay for doctor visits? If so, what is it? Is there a separate
   co-pay for specialists?
 * Does this plan include dental, vision care, and other special services?
 * Can I continue seeing my current doctors?
 * Are preventative or routine exams covered?
 * Does the plan cover pre-existing conditions? If not, what’s excluded?
 * Are prescription costs covered?
 * Does this plan have a deductible? If so, how much is it and when does it
   apply?

show all questions


GET A HEALTH PLAN QUOTE AND SEE HOW MUCH YOU CAN SAVE.

Start my quote

  OR CALL 1-833-460-1399


Before you go... We can connect you to a licensed health insurance agent ready
to help.

Licensed Agents Available
1-833-460-1399

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NO, THANKS. I'LL CONTINUE ONLINE.

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Invitations for applications for insurance on Obamacare-Rates.com are made
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appointed. Flex Rates licensing information can be found here. Submission of
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additional information about the cost and coverage details of health plans.
Possible plan options include, but are not limited to Major Medical Plans, Short
Term Plans, Fixed Indemnity Plans, Community/Cost-Sharing Plans and more.
Descriptions are for informational purposes only and subject to change.
Insurance plans may not be available in all states. For a complete description,
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