I'm Julian Sanchez de la Rosa, an independent broker licensed in Illinois and 30 other states. I'm licensed in Illinois and work with clients there remotely — phone, video, whatever suits you. This page lays out what coverage actually costs here and how Illinois works, so you can decide whether it's worth a conversation.
The plan I write most often in this state is a PPO with a choice of deductible levels and 80/20 coinsurance. It's a different product from what I write in most other states, so the pricing structure looks different too — deductible choice drives the cost more than plan tier does.
| Household | Low end | High end |
|---|---|---|
| Single adult, 30 | $155 | $700 |
| Single adult, 40 | $210 | $840 |
| Single adult, 50 | $310 | $1,065 |
| Single adult, 60 | $445 | $1,355 |
| Couple, 40 and 38 | $410 | $1,315 |
| Family of four, parents 40 | $610 | $1,675 |
The figures above are for a man. Illinois is one of the few states where this product rates by sex, and the difference is largest at younger ages — a woman of 35 prices about 36% above a man of 35 on the low end, narrowing to roughly 9% by 55. The estimator accounts for it.
Estimates, not quotes. Your actual premium depends on the plan you choose and the carrier's underwriting. Want a figure for your own household? Run the estimator.
Unlike most states, Illinois doesn't use healthcare.gov — it operates Get Covered Illinois instead. If you're shopping subsidized ACA coverage, that's where you go. I'll tell you honestly when that's the better route for you, and help you compare it against what I can offer directly.
Illinois only took over its own marketplace on 1 November 2025 — before that, residents used healthcare.gov like everyone else. Existing accounts were migrated over to Get Covered Illinois, so if you enrolled in a prior year you'll be logging in somewhere different now.
One thing worth knowing, because it isn't available on the federal exchange: Illinois treats pregnancy as a qualifying life event. That means a pregnancy can open a special enrollment period mid-year. Healthcare.gov doesn't allow that. If you're expecting and you assumed you were locked out until Open Enrollment, you may not be — call me.
Below roughly 138% of the federal poverty level you may qualify for Illinois Medicaid rather than needing a plan from me. I'll tell you if that's where you land.
448,568 Illinoisans enrolled for 2026, with eight in ten getting a subsidy worth about $688 a month on average and 22% paying under $10. For 2027, Cigna and Molina both leave, taking the market from seven carriers to five, with filed increases averaging about 14.1%. If you're on either, you need to actively re-pick during open enrollment.
Full-price premiums rose about 30.1% for 2026, driven by the expiration of the enhanced federal subsidies. If you dropped coverage because of that increase, the 2027 filings are milder — it's worth a second look rather than assuming the answer is the same.
Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. The date that matters more than the deadline is December 15 — enroll by then and coverage starts January 1. Wait until after, and your coverage starts February 1, leaving you a month with nothing.
You may have read that this year's window was being shortened. A federal court struck that rule down in June 2026, so it does not apply to 2027 coverage — the appeal being argued now would only affect later years. Get Covered Illinois posts the official dates here.
Either way, the question I help people answer is the same one: does a subsidized marketplace plan beat what you can buy privately? That depends on your income, your household, and which doctors you want to keep. It takes one conversation to work out, and I'll tell you if the answer is "go to the exchange, you don't need me."
Self-employed people, 1099 contractors, families, and small business owners — anyone without an HR department handing them a benefits packet.
30 seconds. I reach out. You decide — no pressure, no obligation.
Prefer to skip the form? Book a time on my calendar
Most of my clients don't have an HR department. They're buying coverage on their own — and the market is confusing if this isn't your full-time job. So I lay the plans out side by side in plain English: what each one actually covers, what it costs you when you use it, and where the real differences are. No jargon, no fine print buried at the bottom — just a clear comparison so you can see the trade-offs yourself and make the call with confidence.
1099, freelance, or your own LLC. You need real coverage without an employer footing the bill — and premiums may be tax-deductible.
Spouse, kids, or both. We'll look at what it actually costs to keep your pediatrician and your budget intact.
Laid off, quitting, aging off a parent's plan, or staring down a COBRA bill. Losing coverage opens a special enrollment window.
A handful of employees and no idea where to start. There are more options than you think, and some don't require a group plan.
I'm an independent broker. I shop the market, bring you what's actually available, and show you the trade-offs honestly — including when the answer is "stay where you are."
As an independent broker, I compare plans from different insurance companies side by side and walk you through how they actually differ.
Open Enrollment has a deadline, but life events — losing coverage, moving, marriage, a new baby — open a special enrollment window. Some private options are available year-round.
Self-employed people can often deduct health insurance premiums. I'll flag when it applies so you can raise it with your accountant.
The enrollment is the easy part. I'm still here when a claim gets denied, a card doesn't arrive, or your income changes mid-year.
Prefer to skip the form? Book a time on my calendar