Illinois Health Insurance

The high price of health insurance premiums is miniscule compared to the potential cost of a serious medical procedure without insurance coverage. As such, it’s important to know your rights and options for health insurance coverage. The Simple Dollar has compiled the relevant info, stats, regulations and resources so the people of Illinois can stay on top of their health insurance needs.

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Stats in Your State

Comparing health insurance rates and quotes can be dizzying, so The Simple Dollar has charted the Illinois average cost of health insurance in recent years alongside the U.S. average and four other states. Check out the graphs below to see how your premium matches up against your neighbors.

Chip Medicaid

More than 2.4 million Illinois children were enrolled in some form of government provided health insurance in 2009 and 2010, with the majority of them being enrolled in Medicaid and roughly 330,000 being covered by CHIP.

Individual Health Insurance Premiums

Illinois and the majority of its neighbors in the mid-west surpassed the U.S. average for health insurance premiums in 2011, with Illinois topping out the list of five states at $1,207.

Family Health Insurance Premiums

While Illinois surpasses the U.S. average for individual insurance premiums, its average cost for family premiums falls below the national average, though the state still tops out its immediate neighbors in terms of health insurance cost.

SAHIE Health Insurance Uninsured

Roughly 1.7 million Illinois residents went without insurance on a yearly basis between 2005 and 2010, demonstrating the need for affordable and accessible healthcare in the state.

Rules in Your State

The Illinois rules and regulations for health insurance are fairly straightforward, though too many to list here. The link below goes to the Mandated Benefits page at the Illinois Department of Insurance. If your provider has not made it clear to you what your rights and benefits are, or if you feel you’re not getting treatment in line with this data, contact the Department of Insurance and consider shopping around.

Illinois Mandated Health Insurance Benefits

Mandated Benefits, Offers, and Coverages for Accident & Health Insurance and HMOs

To learn more about the mandated benefits your insurer owes to you, read through the link above. If your insurer has misrepresented the facts or denied coverage to you for any reason, be sure to look into it and contact the department of insurance.

Representatives & Resources in Your State

For consumers looking to file a complaint against their health insurer, or simply to learn more about the rules and regulations, contact the Department of Insurance or Secretary of State Jesse White. Click on the website links first to browse, as their websites have many consumer-friendly online FAQs and guides.

Illinois Department of Public Health
535 West Jefferson Street
Springfield, Illinois 62761
(217) 782-4977
Get Directions

Illinois Department of Insurance
320 W Washington St
Springfield, IL ‎
(217) 782-4515
Get Directions
Consumer Fact Sheet
The consumer information fact sheet is a general resource for data, statistics, information, definitions, lists, and other basic details around insurance in the state of Illinois. The guide covers auto, home, health, and life insurance, as well as disasters.

Illinois Department of Human Services
100 South Grand Avenue East
Springfield, Illinois 62762
1-800-843-6154
(217) 557-2134
Get Directions

Illinois Comprehensive Health Insurance Plan
320 West Washington
Suite 700
Springfield, Illinois 62701-1150
(217) 782-6333
Get Directions

Secretary of State
213 State Capitol
Springfield, IL 62756
Outside of Illinois, Use: (217) 785-3000
Toll free, inside of Illinois only: (800) 252-8980
Get Directions

Check Healthcare.gov for up to date Illinois Affordable Care Act information.