Illinois open enrollment 2027 Open enrollment · Illinois

Illinois Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line in Illinois, Get Covered Illinois sets the 2027 open enrollment dates; check its site for this year's deadlines. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Illinois is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Illinois this year

Illinois rates rise about 14% on average for 2027, between 14% and 14.1% across six insurers, and the figures are final. Marketplace plans are now sold through Get Covered Illinois, the state's own platform, which sets the open enrollment calendar; use its dates, not HealthCare.gov's. For households above 400% of poverty, every plan on it is full price. Chicago has a big group like that: consultants and designers with high billings, couples who each run a small firm, and Naperville families of four well beyond $132,000. Downstate, a strong corn and soybean year can push a farm family over the line too.

One thing to do before you choose

Illinois no longer allows short-term plans, so there's no stopgap product if you leave a firm partway through the year. Plan the bridge early. Losing job-based coverage opens a special enrollment period on Get Covered Illinois. The other choice is a private, medically underwritten plan, which may begin on the first of a month if approved and is priced on age, ZIP code and health. It is not a Marketplace plan, and benefits vary by plan, so we read the details together before you sign anything.

Your checklist

How far above the line your 2027 household income will land
The full-price Illinois premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: Get Covered Illinois must accept you, and below the line the subsidy returns.

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'm a Chicago consultant billing around $180,000. Does Get Covered Illinois offer me anything?

Not on premiums. The 2027 line for one person is $63,840, and you're far over it, so every plan is full price. What the exchange does offer is acceptance regardless of health history. If you're healthy, a private plan priced on health rather than income is worth pricing, though approval depends on your answers.

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.