Illinois Open Enrollment 2027 for Marketplace Renewals

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

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.

Unless you act, Get Covered Illinois renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Illinois this year

Illinois renewals for 2027 come from Get Covered Illinois, the state's own marketplace, which sets its own open enrollment dates; its site lists them. Finalized average increases run about 14 to 14.1 percent across six insurers. Most options besides one large PPO are HMOs anchored to Chicago-area hospital systems, so a renewal that maps you to a new plan can quietly change which hospitals you can use. Chicago designers and consultants, rideshare drivers and Joliet-area owner-operators who earn above $63,840 as single filers now pay the full premium. Downstate corn and soybean families face the same line with fewer network choices.

One thing to do before you choose

Check whether your 2027 plan is still the same network type. Look for the letters PPO, HMO or EPO on the renewal summary. If you had a PPO and the replacement is an HMO, you may need referrals and lose access outside one system. Illinois does not allow short-term plans at all, so the realistic alternatives are a different exchange plan or, for healthy people above the subsidy line, a private underwritten plan that can start the first of a month if approved. It is not part of the marketplace.

Your checklist

• Your 2027 renewal notice, read line by line
• Whether your plan is the same one or a replacement
• Doctors and prescriptions in the 2027 plan
• Last year's actual care, priced at each metal level

Private plan or Marketplace?

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.

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.