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Cobertura médica para particulares

Your 2026 Illinois Individual Health Insurance

Are you looking for an Affordable Care Act (ACA) plan in Illinois? Explore sus opciones con BCBSIL. If you recently went through a big life change, you might be able to enroll today.

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What are BCBSIL's benefits?

From covered care to mobile apps, start exploring the benefits BCBSIL individual and family plan members have.

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Resumen

How can I learn more about my BCBSIL health insurance?

You can learn more about your BCBSIL ACA plan by reviewing plan options and benefits, provider networks, prescription coverage, and member resources. Here, you can find more information about:

  • BCBSIL's individual and family plans
  • Special Enrollment and how you might be able to apply today
  • Your online member account
  • How to search for in-network care
  • Your prescription benefits and covered drugs, and more.

What are BCBSIL's individual and family plan options?

With BCBSIL, we offer HMO, PPO and POS plans, all with Gold, Silver or Bronze metallic level options. Compare the different costs and benefits of BlueCare Direct℠, Blue Choice Preferred PPO℠, Blue Precision HMO℠ and MyBlue Plus℠.

Start Comparing Plans
Ícono de estetoscopio

BlueCare Direct

An HMO plan available in the Chicagoland area, in collaboration with the Advocate Health Care system. HMO plans are often more affordable than PPO plans.

Ícono del estado de Illinois

BlueChoice Preferred PPO

Your statewide PPO option, with wider networks and more care options. Between the network size and the PPO coverage, this plan offers you more flexibility.

Ícono de médico

HMO de Blue Precision

An HMO plan in the Chicago area, Rockford and Peoria, giving you dedicated care from your chosen medical group and lower costs than a PPO plan.

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MyBlue Plus

A lower-cost Chicago-area POS plan with local care options like the University of Chicago Medicine, Advent Health and more. POS plans balance the costs of HMOs with the flexibility of PPOs.

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Special Enrollment: Get Health Insurance After Major Life Events

After going through big life changes, like getting married, moving or losing a job, you can enroll in a new health insurance plan through Special Enrollment. If you've gone through your life event within the past 60 days, you may even be able to enroll today:

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What can I do with my BCBSIL member account?

Your secure BCBSIL member account is your on-the-go resource to use your coverage, explore your benefits and track your claims and spending. After registering for a plan, you can:

  • Busque atención médica en la red
  • Acceder a su tarjeta de asegurado
  • Track your annual deductible and out-of-pocket maximum spending
  • Find out the status of current and past claims
  • Check your benefits and coverage

Want even easier access? Download the Aplicación de BCBSIL to access these resources anytime, anywhere.

Iniciar sesión o inscribirse
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Is my doctor covered? Find in-network options.

Search for in-network doctors, specialists and other providers specific to your plan, ZIP code and care needs. Visit our Provider Finder™ search tool to get started.

Need care now and not sure where to start? Know which options fit your symptoms - and budget - with our Care Options Guide.

Comenzar la búsqueda

Does my health insurance plan cover my prescription?

All BCBSIL individual and family plans have prescription coverage, but the exact medicines covered depend on your drug list. Search our 2026 drug lists, learn how to save on your prescriptions and explore your phramacy benefits.

Explore Your Pharmacy Benefits

Recursos

Explore recursos para asegurados

Why should I choose BCBSIL?

Ícono de red de médicos.

Opciones de atención médica de calidad

Acceda de manera más fácil a ahorros y atención médica de la red con nuestras redes de profesionales médicos.

Ícono de reloj inteligente

Programas de bienestar y apoyo

Participe en programas de bienestar como Well onTarget®, reciba asesoramiento y gane recompensas Blue Points℠ por tomar decisiones saludables.1

Ícono de una mano sosteniendo una moneda con el signo dólar.

Niveles de costos y atención médica

Nuestras coberturas se ofrecen en niveles Oro, Plata y Bronce para adaptarse a su presupuesto y necesidades de atención médica.

Ícono de frasco de medicamentos.

Beneficios esenciales con cobertura

Los beneficios esenciales, como atención hospitalaria o cobertura de medicamentos recetados, siempre están incluidos; algunos tienen un costo de apenas $0.

Preguntas frecuentes

Preguntas frecuentes sobre la cobertura para individuos

1 Well onTarget y AlwaysOn son propiedad y están gestionadas por Onlife Health Inc., una compañía independiente que proporciona servicios de administración digital de la salud a asegurados con cobertura a través de Blue Cross and Blue Shield Plans en Illinois, Montana, Nuevo México, Oklahoma y Texas. No se otorgan respaldos, representaciones ni garantías con respecto a los proveedores externos ni a los productos y servicios provistos por estos.

Las reglas del Programa Blue Points están sujetas a cambio sin previo aviso. Consulte las reglas del programa en el portal Well onTarget en wellontarget.com para obtener más información. Los servicios de reembolso de premios a los asegurados de Well onTarget son proporcionados por un tercero independiente.