Illinois Health Insurance 2026
Your complete guide to health insurance options in Illinois — Medicaid eligibility, ACA Marketplace plans, enrollment deadlines, and key resources.
Illinois at a Glance
What You Need to Know
- →Illinois expanded Medicaid under the ACA — adults earning up to 138% FPL qualify
- →Illinois uses the federal marketplace at healthcare.gov
- →No state individual mandate penalty
- →Illinois All Kids program provides coverage for children regardless of immigration status
How to Enroll
Frequently Asked Questions
How do I apply for Medicaid in Illinois?
You can apply for Illinois Medicaid (called Illinois Medical Assistance) online at abe.illinois.gov, by phone, or in-person at your local DHS office. You can apply at any time — there is no enrollment window for Medicaid. Eligibility is determined based on income, household size, and other factors.
What is the income limit for Illinois Medicaid?
For non-elderly adults under the ACA expansion, Illinois Medicaid covers individuals earning up to 138% of the Federal Poverty Level — approximately $20,783/year for a single person in 2026. Families with children may qualify at higher income levels for children's programs.
Where do Illinois residents buy ACA Marketplace plans?
Illinois uses the federal marketplace at healthcare.gov for ACA Marketplace plan enrollment. Open Enrollment runs November 1 through January 15. If you experience a qualifying life event (job loss, marriage, birth), you can enroll during a Special Enrollment Period.