Trying to find the best health insurance in Illinois is a lot more challenging than it was supposed to be.
After all, the Affordable Care Act (ACA) was supposed to make this process as close to effortless as could be. But while it has definitely made things a little bit easier, it has also introduced a lot of complexity, a lot of confusion, and a lot of different options that most people simply aren’t used to dealing with.
In order to help you more effortlessly navigate the health insurance industry in the US today, we’ve put together a couple of helpful hints and tricks that you’ll be able to leverage below to get the coverage that you deserve at a price that you are comfortable with.
Understand all of the coverage options available
The first thing that you’re going to need to understand (before you even start to look at the best health insurance in Illinois options) is that there are a lot of different coverage options available for almost everyone.
Major medical plans are designed for those that do not qualify or do not want to take advantage of a subsidy. They meet all ACA requirements and standards, and will make sure that you don’t pay a tax penalty at the end of the year for going uncovered.
Qualified health plans are sold both on and off the health exchange, and are usually designed for those that can take advantage of a government subsidy or those that must take advantage of a government subsidy to get coverage at all. This is going to go through the state or a private exchange.
Finally, catastrophic health plans are available for those aged 30 and younger, but aren’t going to provide the kind of coverage that you’d expect from major medical plans or even qualified health plans. They carry only the minimum level of benefits, and may not be all that useful unless you find yourself in a medical emergency. At the same time, they are rather inexpensive.
Choose only the best health insurance in Illinois for your specific needs
At the end of the day, finding the best health insurance in Illinois is really going to come down to your specific situation and circumstances.
You’ll only be able to assess this situation appropriately with the help of guidance from a free health insurance counselor (employed by most every major medical facility in Illinois ref: here). Contact your local hospital or major medical organization for more information, and you’ll be able to get live assistance from real professionals that understand exactly how to navigate the minefield that can be health insurance in America today.