Illinois operates its own state-based marketplace, branded Get Covered Illinois, built on the federal enrollment platform but with state oversight and outreach. Residents shop for and enroll in plans with state-specific support.
Illinois has expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for the state's Medicaid program rather than needing marketplace subsidies.
Illinois residents shopping for coverage should pay attention to plan networks, since the Chicago metro area has a different mix of insurers and hospital systems than the rest of the state, and rural counties downstate can have fewer plan choices. Checking prescription drug formularies is also worth the extra step, since coverage for specific medications can vary between plans at the same metal tier.