State says 2020 ACA health insurance premium rates are generally lower

Five health insurance carriers will again offer Illinois consumers individual Gold, Silver and Bronze plans under the Affordable Care Act (ACA) with a slight decrease in overall rates, according to a news release from the Illinois Department of Insurance.

Open enrollment starts on Friday, Nov. 1, and continues through Dec. 15, 2019.  After the deadline, consumers will not be able to purchase insurance coverage, unless they have a qualifying life event.

There are 142 plans available this year, and most Illinois consumers will have more plans to choose from than in 2019. Overall, premium rates are down and rating areas remain unchanged from 2019.

Get Covered Illinois (GCI) is the official health marketplace or “exchange” for Illinois consumers to purchase quality, affordable health insurance, facilitated by the federal government. 

More than 312,000 people enrolled in ACA health insurance plans during open enrollment last year. 

The carriers offering 2020 plans include Quartz Health Benefit Plans Corporation, a new company on the Illinois On-Exchange market this year. Multiple plans are available in Cook County and all 102 Illinois counties. 

“We’re committed to ensuring Illinoisans have access to quality, affordable healthcare, regardless of their background. No one should have to go without health coverage; and through the ACA (Affordable Care Act) healthcare exchange, Illinois residents can find the right plan and coverage for their families,” said IDOI Director Robert Muriel.

“Illinois residents can be confident that when they purchase a plan on the marketplace, annual checkups and other preventive care will be covered free of charge. Just as important, mental health and substance use disorder benefits will be covered in parity with medical and surgical benefits,” said Brian Gorman, GCI’s Director of Outreach and Consumer Education. “Get Covered Illinois and the Illinois Department of Insurance are here to help ensure that their rights are protected.”

For the analysis of the 2020 Illinois Exchange Plan, visit https://insurance.illinois.gov/ .    
For information on the Get Covered Illinois Open Enrollment period, visit: https://getcovered.illinois.gov/en.
 

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