Can You Get Free Health Insurance in Illinois?

While healthcare in the United States can be quite complicated, understanding the basics of health insurance is essential. Specifically, the Affordable Care Act (ACA) has made it easier for many people to get health insurance, including those who cannot afford it.

What is the Affordable Care Act (ACA)?

The ACA is a comprehensive health reform law that has made health insurance more accessible and affordable for many Americans. The law has expanded Medicaid eligibility and created new health insurance marketplaces where individuals and families can purchase health insurance plans.

Who Qualifies for Free Health Insurance in Illinois?

In Illinois, low-income individuals and families may qualify for free health insurance through Medicaid. Medicaid is a government program that provides health coverage to low-income individuals and families, as well as certain other groups, such as people with disabilities.

To qualify for Medicaid in Illinois, you must meet certain income and asset requirements. The income limit for Medicaid in Illinois varies depending on your family size. For example, in 2023, the income limit for a single person is $28,872 per year.

How to Apply for Free Health Insurance in Illinois

If you think you may qualify for free health insurance through Medicaid in Illinois, you can apply online at the Illinois Department of Healthcare and Family Services website. You can also apply by phone at 1-800-843-6154.

What if I Don’t Qualify for Free Health Insurance?

If you do not qualify for free health insurance through Medicaid, you can purchase a health insurance plan through the Illinois Health Insurance Marketplace. The Marketplace is a website where you can compare health insurance plans from different insurance companies and find a plan that meets your needs and budget.

You may also be eligible for a premium tax credit to help you pay for your health insurance plan. Premium tax credits are available to individuals and families with incomes between 100% and 400% of the federal poverty level.

Getting Help with Health Insurance

If you need help with health insurance, you can contact a licensed health insurance agent or broker. Agents and brokers can help you compare health insurance plans and find a plan that meets your needs and budget.