Need health insurance?

YOU HAVE OPTIONS!

If you currently are without health insurance there are a number of options that may be available to you depending on your situation.  Below is a general list of possible options.

 Parent's Plan

If you are 26 or younger, and either parent has a health insurance plan, you may qualify for coverage under their plan.  You can discuss this option with your parents and insurance provider.

Medicaid

Illinois is an "expanded-Medicaid" state, meaning that if your household income falls below a certain level you could qualify for free/discounted healthcare.  To see if you qualify for medicaid or any other state funded service (like SNAP-Supplemental Nutritional Assistance Program) visit the Illinois Department of Human Services (DHS) webpage.  Click on the following link for instructions on how to check the status of you application.  For further reference visit the Illinois Department of Healthcare and Family Services FAQ page.           

  Marketplace

Under the Affordable Care Act, an affordable option was created for people to purchase health insurance.  To see if you qualify, review specific insurance plans offered and check cost, visit the Illinois Marketplace webpage

Job-Based

If you are employed check with your employer to see if you qualify to receive health insurance benefits.  If you are covered under a parent's job-based plan and your parent loses their job, COBRA continuation coverage is an option in addition to all other options listed.


  Private Plan

While it may not be the most affordable, you can consider purchasing a private health insurance plan directly from the insurance provider of your choice (ex:  Blue Cross/Blue Shield, Aetna, United Healthcare, etc.)

Still confused about which option for you?

Check out the following webpages specifically geared towards helping young adults decide on health insurance: