Illinois Health Insurance Cost Calculator
Illinois's 2026 benchmark health plan: $646/mo for one 40-year-old. See what you pay monthly after the ACA premium tax credit at your income.
Health insurance in Illinois costs $646/mo in 2026 before any subsidy — the second-lowest-cost Silver "benchmark" premium for one 40-year-old, non-tobacco, individual on-exchange enrollee, or $7,752 a year. KFF weights this state figure by county plan selections but publishes no rating-area range, so this page labels it modeled rather than official. After the premium tax credit, a single filer earning $31,300 (200% of the 2025 federal poverty line) pays about $172/mo for that same benchmark plan.
Estimate only — these are not official figures
KFF's published 2026 second-lowest-cost Silver benchmark for a 40-year-old, non-tobacco, individual on-exchange enrollee, weighted by county plan selections; KFF does not publish the underlying weights or a rating-area range.
Do not rely on these amounts for budgeting or payment. For exact amounts, check the Illinois's official ACA marketplace or insurer rate filing.
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Pre-filled: Census Bureau
Pre-filled: KFF Marketplace Average Benchmark Premiums, 2026 (county plan-selection weighted; modeled)
Additional Details
Annual Premium Cost
Estimated • Based on your inputs
Net Annual Premium (After Subsidy)
$7,752.00
Total Annual Healthcare Cost
$11,152.00
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How This Calculator Works
Calculation methodology and assumptions
Health insurance cost estimation for Illinois. The $646/month default is the plan-year 2026 second-lowest-cost Silver benchmark for a 40-year-old, non-tobacco, individual on-exchange enrollee. KFF publishes this county-plan-selection-weighted state benchmark, but does not publish the underlying weights or a rating-area range; this page therefore labels the figure modeled rather than official. It is a benchmark for one age-40 person, not a family premium or a quote for every age, county, or plan. The age input was removed because federal law allows state-specific age curves and a single federal curve would not be valid nationwide. The premium-tax-credit estimate uses the official 2025 HHS Poverty Guidelines (90 FR 5917, the year used for 2026 coverage eligibility) and IRS Revenue Procedure 2025-25's 2026 applicable-percentage table (2.1%-9.96% of income). It assumes the household is otherwise eligible; it does not test immigration/tax-filing rules, Medicaid/CHIP eligibility, or access to affordable employer coverage. Income above 400% FPL receives no federal premium tax credit for 2026 because the temporary 2021-2025 enhanced-subsidy rules expired. Out-of-pocket costs include deductible plus coinsurance on medical expenses, capped at the 2026 federal maximum ($10,600 individual / $21,200 family). Actual premiums vary by age, plan tier, insurer, county, tobacco use, and covered family members. Replace the editable premium with your own SLCSP before relying on the subsidy estimate. Recheck the benchmark sources by 2026-11-15.
Key State Information
Illinois health insurance context: 2026 age-40 Silver benchmark $646/mo (KFF county-plan-selection-weighted model) | Median income $83,211 | HSA contributions may receive a state tax benefit subject to state rules.
Example Calculation
Let's estimate 2026 health-insurance costs for one 40-year-old in Illinois.
The editable second-lowest-cost Silver benchmark is $646/month. With $50,000 household income, a $3,000 deductible, 20% coinsurance, and $5,000 of expected medical costs, the calculator applies the 2026 premium-tax-credit formula and out-of-pocket estimate.
Result: Estimated annual premium before credit: $7,752; estimated premium tax credit: $2,772; estimated total annual premium plus out-of-pocket cost: $8,380. This is planning math, not a quote — replace the benchmark with the exact SLCSP for your age, county, and household.
How much is health insurance in Illinois per month in 2026?
$646/mo. That is the plan-year 2026 second-lowest-cost Silver ("benchmark") premium for one 40-year-old, non-tobacco, individual on-exchange enrollee in Illinois — $7,752 a year at full price, before any premium tax credit. The benchmark plan matters beyond its own price tag: federal law sets your subsidy from it, so it is the single figure that determines what every other marketplace plan costs you.
Illinois is $21/month above the $625/mo US benchmark (+3.4%), a difference of $252 a year at full price.
Illinois runs a state-based marketplace whose rate filings are not in CMS's PY2026 Public Use Files, so this page uses KFF's published 2026 state benchmark, weighted by county plan selections. KFF does not publish the underlying weights or a rating-area range, so this figure is labeled modeled rather than official, and no county-level range is invented for it here. For a figure specific to your county and household, pull your own second-lowest-cost Silver premium from Illinois's marketplace.
| Figure | Per month | Per year | Provenance |
|---|---|---|---|
| Illinois benchmark (second-lowest-cost Silver, age 40) | $646/mo | $7,752 | Modeled — KFF weighted |
| US benchmark, all states (KFF 2026) | $625/mo | $7,500 | Modeled — KFF weighted |
Sources: KFF Marketplace Average Benchmark Premiums, 2026 (2026 series), and KFF Marketplace Average Benchmark Premiums, 2026. All figures are pre-subsidy prices for the benchmark plan covering one 40-year-old, non-tobacco, individual on-exchange enrollee; they are not quotes, and they do not describe job-based coverage, Medicare, or Medicaid. Sources are scheduled for recheck by 2026-11-15.
What you actually pay per month in Illinois after the premium tax credit
The $646/mo figure is the sticker price. If your household income falls between 138% and 400% of the federal poverty line, the ACA premium tax credit caps what you pay for the benchmark plan at a set share of your income — the "applicable percentage," which for 2026 runs from 2.10% to 9.96% under IRS Revenue Procedure 2025-25. The credit pays whatever is left over.
That produces a result most people do not expect, and it is the most useful thing to know about Illinois's premium: as long as your benchmark premium is higher than that income cap, Illinois's premium level does not change what you pay — it changes the size of your credit. Illinois's higher-than-average benchmark buys a bigger tax credit, not a bigger bill. Two things break that: crossing 400% of the poverty line, and a benchmark that is already cheaper than your cap.
Above 400% FPL there is no credit at all for 2026 — the temporary 2021-2025 enhancements expired at the end of 2025, so the "subsidy cliff" is back. In Illinois that means a one-person household earning $62,700 pays the full $646/mo, while the same household earning $62,600 — $100 less — pays $520/mo. Earning $100 more costs $126 a month, or $1,512 a year, in lost credit.
| Household income | % of 2025 FPL | Applicable % | Premium tax credit | You pay per month |
|---|---|---|---|---|
| $23,475 | 150% | 4.19% | $564/mo | $82/mo |
| $31,300 | 200% | 6.60% | $474/mo | $172/mo |
| $39,125 | 250% | 8.44% | $371/mo | $275/mo |
| $62,600 | 400% | 9.96% | $126/mo | $520/mo |
| $62,700 | 401% | None — above the cliff | $0 — no credit above 400% FPL | $646/mo |
Computed with the same Form 8962 / IRC 36B(b)(2) arithmetic the calculator on this page runs: 2025 HHS Poverty Guidelines (90 FR 5917 — the guidelines that govern 2026 coverage), the 2026 applicable-percentage table from IRS Rev. Proc. 2025-25, and Illinois's $646/mo benchmark. One-person tax household, enrolled in the benchmark plan for all 12 months. It assumes the household is otherwise eligible; it does not test immigration or tax-filing rules, Medicaid/CHIP eligibility, or access to affordable employer coverage. Illinois expanded Medicaid, so marketplace credit eligibility starts at 138% FPL.
How household size changes health insurance costs in Illinois
Marketplace coverage is priced per enrolled person, so a family's premium is larger than one person's — but the subsidy math moves in the opposite direction, and that is what decides the bill. Every threshold in the table below is a multiple of the federal poverty line for your TAX household, and the poverty line rises by $5,500 for each additional member. The same income is therefore a lower percentage of FPL — and earns a larger credit — for a bigger household.
Worked through: in Illinois, a one-person household stops qualifying for any premium tax credit above $62,600, while a four-person household still qualifies up to $128,600. The same $62,600 income is 400% of the poverty line for one person — the last subsidized dollar, capped at 9.96% of income — and 195% for a family of four, where the cap is 6.31% instead.
Two traps worth naming. First, the denominator is your TAX household — everyone you claim on your return — not just the people you enroll in the plan; children covered by CHIP or Medicaid still count toward the poverty-line threshold even though they are not on the marketplace policy. Second, the cap on what you pay applies to your household's own benchmark premium, so it only helps while that benchmark exceeds the cap. This page's $646/mo default covers one 40-year-old; enter your household's own benchmark premium in the calculator above before relying on a multi-person estimate.
| Tax household size | 2025 federal poverty line | Credit eligibility starts (138% FPL) | Credit ends (400% FPL) |
|---|---|---|---|
| 1 person | $15,650 | $21,597 | $62,600 |
| 2 people | $21,150 | $29,187 | $84,600 |
| 3 people | $26,650 | $36,777 | $106,600 |
| 4 people | $32,150 | $44,367 | $128,600 |
| 5 people | $37,650 | $51,957 | $150,600 |
| 6 people | $43,150 | $59,547 | $172,600 |
2025 HHS Poverty Guidelines, 90 FR 5917 (published January 17, 2025) — these are the guidelines that govern eligibility for 2026 coverage. Illinois expanded Medicaid, so incomes below 138% FPL generally route to Medicaid rather than to a marketplace credit. Above 400% FPL no federal premium tax credit is available for 2026.
Looking for a different Illinois number?
This page prices HEALTH insurance — ACA marketplace medical coverage in Illinois. It is not about insuring a house, an apartment's contents, or a car, and it does not price job-based coverage, Medicare, or Medicaid. If you landed here looking for one of those, the direct links below go to the right calculator.
Benchmark sources are rechecked by 2026-11-15; the figures on this page carry the 2026 series vintage of KFF Marketplace Average Benchmark Premiums, 2026.
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StateCalc Team
Editorial Team
The StateCalc team builds free financial calculators using data from official government sources including the IRS, U.S. Census Bureau, BLS, and state revenue departments. All formulas are validated by an automated test suite and cross-referenced against published data.
Our editorial standardsFrequently Asked Questions
How much does health insurance cost in Illinois?
Illinois's 2026 second-lowest-cost Silver benchmark for a 40-year-old, non-tobacco, individual on-exchange enrollee is $646/month ($7,752/year). KFF county-plan-selection weights this state figure, but does not publish a rating-area range or its underlying weights, so it is a modeled planning benchmark. Actual premiums vary by age, county, insurer, tobacco use, plan, and covered family members; use your own marketplace SLCSP for a personal subsidy estimate.
Do I qualify for ACA subsidies in Illinois?
You may qualify if your household income is between 100-400% of the official 2025 HHS Poverty Guidelines (roughly $15,650-$62,600 for an individual, using the guidelines that apply to 2026 coverage). Above 400% FPL, no federal premium tax credit is available for 2026 — the "subsidy cliff" returned after the temporary American Rescue Plan/Inflation Reduction Act enhancements expired at the end of 2025. Eligibility and the credit also depend on access to other minimum essential coverage and your actual benchmark premium.
How much is health insurance per month in Illinois for one person?
$646/mo at full price in 2026 — the second-lowest-cost Silver benchmark premium for one 40-year-old, non-tobacco, individual on-exchange enrollee, which is $7,752 a year. Most enrollees do not pay the sticker price: a single filer earning $31,300 (200% of the 2025 federal poverty line) pays about $172/mo for the same plan after the premium tax credit.
Does the ACA subsidy cancel out Illinois's premium being above average?
While your benchmark premium is higher than your income cap, largely yes. The premium tax credit caps what you pay for the benchmark plan at a fixed share of your income (2.10%-9.96% for 2026 under IRS Rev. Proc. 2025-25), and the credit absorbs the rest. So Illinois's $646/mo benchmark — $21/month above the $625/mo US benchmark — mainly changes the size of the credit, not the size of the bill. Two exceptions matter. Above 400% of the federal poverty line no credit exists for 2026 at all, so a one-person Illinois household earning more than $62,600 pays the full $646/mo.
At what income do I stop getting help paying for health insurance in Illinois?
Above 400% of the 2025 federal poverty line, which for 2026 coverage in Illinois is $62,600 for one person, $84,600 for two, $128,600 for four, and $172,600 for six. Cross it by a dollar and the credit goes to zero for the whole year — a one-person household earning $62,700 pays the full $646/mo. Eligibility also has a floor: Illinois expanded Medicaid, so below 138% FPL ($21,597 for one person) you would generally be routed to Medicaid instead of a marketplace credit.
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