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Illinois Health InsuranceUsing our independent agency, you can quote individual and family health insurance coverage direct. We represent all Marketplace carriers in Illinois, including: Ambetter, Blue Cross and Blue Shield, Bright Health, Cigna, Health Alliance, Humana, and Unity.

Off the Federal Exchange, we represent several companies offering short term coverage, including: Cigna, Aetna, Anthem, United Healthcare and other prominent companies.

You may not be sure which type of plan is best for you or your family. We are here to help. There are no fees whatsoever to use our services.

Purchasing Health Insurance In Illinois Online

With the many changes to health insurance market, it’s advantageous to speak with an independent broker. We can help to answer all of you questions about the Affordable Care Act. You may have questions about tax credits, Qualifying Live Events, Open Enrollment, hospital networks, and plan benefits.

Or you may not be sure about shopping for coverage on or off the Federal Marketplace. And some of our clients want to know about the pros and cons of short term health insurance in lieu of an ACA policy. We can explain it all to you. We can also assist with an enrollment at no additional cost.

You can use the links on this page to see plans, benefits and costs. You can plug-in your prescriptions and which plans your doctor accepts. Again, it may be a lot to process – so please feel free to request our assistance.

Short Term Health Insurance Coverage In Illinois

Open Enrollment ACA plans begin November 1st and run through December 15th. Unless you are experiencing a qualifying life event (like involuntarily losing coverage from work), this is the only time of the year you can purchase a Marketplace plan. However, you can purchase short term coverage (subject to medical underwriting) anytime during the year.

If you have missed the open enrollment window or need to fill a gap, then a short term plan can be a good choice. Several carriers offer short term coverage with robust benefits. Illinois only allows plans to be purchased in 6 month windows. Be advised there are no guarantees you can renew your plan for another six months if your health changed for the worse.

Short term plans are designed to fill gaps while insuring against catastrophic events until Open Enrollment or group coverage begins. Gap plans are usually very affordable, but they have their limitations. We can help you understand if they might be a good fit for you.

High Deductible Health Savings Account HSA Plans

Health savings accounts coupled with high deductible health insurance coverage are some of the least expensive plans offered. Like all ACA health plans sold now, preventive care is included and not subject to the deductible. These policies are also popular because of the tax advantages they provide.

Funds deposited into HSAs are tax deductible, grow tax-deferred, and can be withdrawn tax-free for qualified medical expenses. The accumulated funds always belong to you the account owner, not the insurance company. This is a great way to save toward any future healthcare costs you might face with a high deductible policy.

Health Savings Accounts can be setup and maintained with most banks and some investment firms. Monies deposited rollover year to year if they are not spent – even if the policy is later cancelled. So long as you withdraw the fund for qualified medical expenses, no taxes are due.

Employer Based Group Health Insurance Quotes

We serve the business marketplace by providing group health insurance coverage and ancillary benefits such as dental, vision, disability and life insurance. Popular group carriers include Cigna, Blue Cross and Blue Shield of Illinois, Aetna, Humana and United Healthcare.

Health care reform is constantly in flux, but groups over 50 full time, or full time equivalents, are required to provide some amount of coverage to their employees. We can help. Contact us to learn about your most affordable options. There are ways to avoid the bulk of these penalties should you encounter them.

We also offer voluntary benefits to employee groups in need of stand-alone employee paid benefits. Please use this form to request a group quote.

Contact Us For Quotes, Assistance and Enrollment

We are an independent insurance brokerage serving all of Illinois. We will help find the most affordable and suitable coverage for you, your family, or your small business.

There’s a lot to know, but we’ll help simplify the process. Using an experienced group like ours will take the guesswork out of enrollment.

United Healthcare Insurance Quotes

United Health One

View UHC Quotes →

  • Affordable Monthly Rates
  • Short Term Plans (1-12 months)
  • Health Savings Accounts
  • Dental and Vision Coverage
  • Large Nationwide Network

Cigna Health Insurance Quotes


View Cigna Quotes →

  • Competitively Priced In IL
  • Coverage On & Off Exchange
  • Individual & Family Plans
  • Stand Alone Dental Coverage
  • No Waiting Periods

Humana Health Insurance Quotes


View Humana Quotes →

  • Large Nationwide Network
  • Health Savings Accounts
  • Individual & Family Plans
  • Stand Alone Dental Coverage
  • Stand Alone Vision Insurance