Illinois Open Enrollment 2027 for Families
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
For families buying their own coverage in Illinois, Get Covered Illinois sets the 2027 open enrollment dates; check its site for this year's deadlines. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.
What 2027 looks like for you
Illinois's average 2027 rate change is 14% to 14.1% (finalized). The details are on the Illinois 2027 premium increase page.
The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Illinois parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.
Illinois this year
This is only the second open enrollment on Get Covered Illinois, which took over from HealthCare.gov for 2026, so returning families should sign in to the state exchange and follow the dates it publishes. The finalized 2027 average rises about 14 percent, close to the national figure, and six insurers filed. That sounds like plenty of choice, but some insurers sell in only part of the state, so a Chicago or Naperville family sees a different lineup than one in Rockford, Peoria or Springfield. Illinois parents raising two kids on more than $132,000 pay the whole premium themselves.
One thing to do before you choose
Many Chicago-area plans are HMOs that cover only emergencies outside their area, which matters if your children see doctors in Indiana or Wisconsin. Check each pediatric provider by name before renewing. Because this is just the second year on the state exchange, also confirm that your household members, ages and income carried over correctly. If anything is off, fix it before choosing a plan, since those details drive the price.
Your checklist
- Each family member's doctors and the children's hospital you use
- The family deductible and out-of-pocket maximum
- Household income against your household-size line
- Planned 2027 care: a pregnancy, braces or surgery
Private plan or Marketplace?
Private plan
Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.
Marketplace
Ongoing care for a child or parent, or income under the line: Get Covered Illinois accepts everyone, and the subsidy grows with household size.
Compare Illinois plans this open enrollment
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
About your broker
Frank Caballero (NPN 21032307), licensed in 31 states including Illinois. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.
Questions
Who sets Illinois's 2027 open enrollment deadline?
Get Covered Illinois, Illinois's own exchange. Check its site for this year's dates before you plan around them.
Do Illinois families still go to HealthCare.gov for 2027?
No. Illinois moved to its own exchange, Get Covered Illinois, for the 2026 plan year, so renewals, income updates and new enrollments happen there. Its deadlines are its own, so check them there. For households earning past that cutoff, I can also show private family options, which are priced by each person's age, location and health.
Can I get a private plan in Illinois after open enrollment closes?
Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.
More for Illinois
- Illinois open enrollment 2027: dates and options
- Illinois open enrollment for self-employed
- Illinois open enrollment for early retirees
- Illinois open enrollment for small business owners
- Illinois open enrollment for people between jobs
- Illinois open enrollment for individuals
- Illinois open enrollment for people over the subsidy line
- Illinois open enrollment for marketplace renewals
- Family health insurance, explained
- Illinois health insurance quotes
Official sources: Get Covered Illinois, Illinois's state exchange. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
Written by Frank Caballero, licensed health insurance broker in Illinois and 30 other states, NPN 21032307. Last updated November 3, 2026.