Illinois open enrollment 2027 Open enrollment · Illinois

Illinois Open Enrollment 2027 for Individuals

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

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.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Illinois this year

This is only the second open enrollment on Get Covered Illinois, which replaced HealthCare.gov for 2026, so returning buyers sign in to the state exchange, not the federal site. Approved 2027 prices climb about 14 percent, close to the national average. Six insurers filed, but several sell only in parts of the state, so a renter in Chicago sees a different lineup than a single adult in Peoria or Springfield. Outside the one broad statewide network, most options are HMOs anchored to Chicago-area systems. Federal help stops once a lone earner tops $63,840, and Illinois banned short-term plans in 2025.

One thing to do before you choose

Chicago-area gig workers and part-timers whose families live in Indiana or Wisconsin should check whether a 2027 plan covers care across the state line, because many Chicago plans are HMOs that cover only emergencies elsewhere. Sign in to Get Covered Illinois, confirm your household and income details carried over correctly from the switch, and only then compare plans side by side. A broader network can matter more than a small premium gap.

Your checklist

Each plan's network type in your Illinois ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: Get Covered Illinois must accept you, and the subsidy can lower the price.

Compare Illinois plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

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.

I used a short-term plan before moving to Chicago. Can I buy one in Illinois?

No. Illinois banned short-term plans in 2025. Your options are a plan through Get Covered Illinois, employer or union coverage, or a private medically underwritten plan, which is not ACA Marketplace coverage, depends on approval from your health answers and has varying benefits. Moving into Illinois from elsewhere usually starts a 60-day window to enroll.

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

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.