Health Insurance in Madison County, IL
Compare 94 ACA plans and check your subsidy eligibility.
2025 Plan Year Data2026 data from CMS pending
Expanded Bronze only
Bronze from
$369/mo
Silver from
$429/mo
Gold from
$377/mo
Benchmark (SLCSP)
What is the Benchmark (SLCSP)? The Second Lowest Cost Silver Plan — the reference plan used to calculate your premium tax credit (subsidy) amount.
Check My Subsidy — See How Much You SaveExpanded Bronze Plans (25)
Like Bronze but with some services covered before you meet your deductible.
Standard Expanded Bronze + Vision + Adult Dental
HMO · Ambetter of Illinois
$342/mo
Age 40 premium
Everyday Bronze + Vision + Adult Dental
HMO · Ambetter of Illinois
$349/mo
Age 40 premium
Central Bronze + Vision + Adult Dental
HMO · Ambetter of Illinois
$350/mo
Age 40 premium
UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals)
HMO · UnitedHealthcare
$393/mo
Age 40 premium
Connect Bronze 5000 Indiv Med Deductible - Rx Copay
HMO · Cigna Healthcare
$419/mo
Age 40 premium
Blue Choice Preferred Bronze PPO℠ 701
PPO · Blue Cross and Blue Shield of Illinois
$528/mo
Age 40 premium
Blue Choice Preferred Bronze PPO℠ 201
PPO · Blue Cross and Blue Shield of Illinois
$561/mo
Age 40 premium
Blue Choice Preferred Bronze PPO℠ Standard - Select Rx Copays
PPO · Blue Cross and Blue Shield of Illinois
$584/mo
Age 40 premium
QUARTZ ONE ACHIEVE BRONZE (VISION) $9100 DED FLAT RX COPAYS - IL
HMO · Quartz
$641/mo
Age 40 premium
QUARTZ ONE ACHIEVE BRONZE (VISION) STANDARD EASY PRICING - IL
HMO · Quartz
$654/mo
Age 40 premium
QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) $9100 DED FLAT RX COPAYS - IL
HMO · Quartz
$658/mo
Age 40 premium
QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL
HMO · Quartz
$671/mo
Age 40 premium
Silver Plans (34)
Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.
Standard Silver + Vision + Adult Dental
HMO · Ambetter of Illinois
$412/mo
Age 40 premium
Focused Silver + Vision + Adult Dental
HMO · Ambetter of Illinois
$418/mo
Age 40 premium
Silver 12 with first 4 free PCP or MH visits
HMO · Molina Healthcare
$420/mo
Age 40 premium
Silver 1 with Rx Copay and Adult Vision Services
HMO · Molina Healthcare
$427/mo
Age 40 premium
UHC Silver Advantage (Rx Copay, No Referrals)
HMO · UnitedHealthcare
$474/mo
Age 40 premium
UHC Silver Standard+ (Dental + Vision, No Referrals)
HMO · UnitedHealthcare
$486/mo
Age 40 premium
UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals)
HMO · UnitedHealthcare
$488/mo
Age 40 premium
Connect Silver 3000 Indiv Med Deductible - Rx Copay
HMO · Cigna Healthcare
$490/mo
Age 40 premium
MercyCare Silver 2500 (3 Free PCP Visits)
HMO · MercyCare Health Plans
$548/mo
Age 40 premium
Blue Choice Preferred Silver PPO℠ 801
PPO · Blue Cross and Blue Shield of Illinois
$676/mo
Age 40 premium
Silver S: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care
PPO · Aetna CVS Health
$694/mo
Age 40 premium
Blue Choice Preferred Silver PPO℠ 203
PPO · Blue Cross and Blue Shield of Illinois
$703/mo
Age 40 premium
Blue Choice Preferred Silver PPO℠ Standard - Select Rx Copays
PPO · Blue Cross and Blue Shield of Illinois
$719/mo
Age 40 premium
QUARTZ ONE ACHIEVE SILVER (DENTAL & VISION) $7000 DED - IL
HMO · Quartz
$766/mo
Age 40 premium
QUARTZ ONE ACHIEVE SILVER (VISION) $0 DED FLAT RX COPAYS - IL
HMO · Quartz
$773/mo
Age 40 premium
QUARTZ ONE ACHIEVE SILVER (VISION) STANDARD EASY PRICING - IL
HMO · Quartz
$774/mo
Age 40 premium
QUARTZ ONE ACHIEVE SILVER (DENTAL & VISION) $0 DED FLAT RX COPAYS - IL
HMO · Quartz
$793/mo
Age 40 premium
QUARTZ ONE ACHIEVE SILVER (DENTAL & VISION) STANDARD EASY PRICING - IL
HMO · Quartz
$794/mo
Age 40 premium
Gold Plans (31)
Higher premium, lower out-of-pocket. Good if you use medical services regularly.
UHC Gold Standard (Rx Copay, No Referrals)
HMO · UnitedHealthcare
$516/mo
Age 40 premium
UHC Gold Advantage+ (Dental + Vision, No Referrals)
HMO · UnitedHealthcare
$548/mo
Age 40 premium
Blue Choice Preferred Gold PPO℠ 204
PPO · Blue Cross and Blue Shield of Illinois
$769/mo
Age 40 premium
Blue Choice Preferred Gold PPO℠ 901
PPO · Blue Cross and Blue Shield of Illinois
$788/mo
Age 40 premium
Blue Choice Preferred Gold PPO℠ Standard - Rx Copays
PPO · Blue Cross and Blue Shield of Illinois
$797/mo
Age 40 premium
Gold S: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care + Rx Copay
PPO · Aetna CVS Health
$826/mo
Age 40 premium
QUARTZ ONE ACHIEVE GOLD (DENTAL & VISION) $2500 DED - IL
HMO · Quartz
$888/mo
Age 40 premium
QUARTZ ONE ACHIEVE GOLD STANDARD (VISION) FLAT RX COPAYS EASY PRICING - IL
HMO · Quartz
$904/mo
Age 40 premium
QUARTZ ONE ACHIEVE GOLD MAINTENANCE (VISION) $500 DED - IL
HMO · Quartz
$922/mo
Age 40 premium
QUARTZ ONE ACHIEVE GOLD STANDARD (DENTAL & VISION) FLAT RX COPAYS EASY PRICING - IL
HMO · Quartz
$928/mo
Age 40 premium
QUARTZ ONE ACHIEVE GOLD MAINTENANCE (DENTAL & VISION) $500 DED - IL
HMO · Quartz
N/A
Age 40 premium
Catastrophic Plans (4)
Very low premium, very high deductible. Only available to people under 30.
Blue Choice Preferred Security PPO℠ 200
PPO · Blue Cross and Blue Shield of Illinois
$517/mo
Age 40 premium
Illinois Expanded Medicaid
Adults with income up to 138% FPL may qualify for Medicaid in Illinois — often with $0 premiums.
Check Medicaid Eligibility