Individual Health Insurance Plans

Blue Cross and Blue Shield of Illinois offers individual health insurance at three metallic levels of coverage to fit your needs. 


Gold plans are for you if you:

  • Have more medical needs than most, like a chronic health condition
  • Have a spouse and/or children on your health care plan, or want to grow your family soon
  • Prefer to have lower out-of-pocket expenses but a higher monthly payment

Silver plans are for you if you:

  • Have regular medical needs, like 1 or 2 doctor visits a year
  • Want to have a balance between monthly payments and out-of-pocket costs
  • Have a spouse and/or children on your health care plan

Bronze plans are for you if you:

  • Don’t have health concerns or any prescription medicines
  • Would rather have a low monthly payment
  • Don’t need to add a spouse or children to your plan

More Plans Options

Learn about all of your health care plan options
with BCBSIL.

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Dental Insurance

Under the Affordable Care Act (ACA), dental coverage is free for children 18 and younger and optional for all adults. These dental plans are offered by the government when you enroll during Open Enrollment or with a qualifying life event. You can also enroll with BCBSIL if you need dental coverage in addition to your current plan.

Learn more about dental plans

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Medicare plans are available to enroll in if you’re 65 or older or if you have a qualifying disability. Learn about Medicare, find out if you can enroll and understand how it works.

Learn about Medicare

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Vision Insurance

If you’re a contacts- or glasses-wearer, having vision insurance can help you save on eye care costs. With a vision plan, you’ll get savings that may help you pay for things like annual eye exams, lenses and frames and certain treatments.

Learn about vision insurance

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Other Plan Options

You may also qualify for Medicaid or other help, like Children’s Health Insurance Program (CHIP), based on your income. These health care plan options are offered by the government. There’s no enrollment period, so you can apply at any time.

Learn about all plan options

Last Updated: March 27, 2024