Individual Health Insurance in Illinois
Single individuals in Illinois enjoy diverse recreational opportunities, from watching professional sports to boating on Lake Michigan. Many also enjoy challenging employment in this vibrant economy. However, numerous individuals are faced with providing their own health insurance. They may be self-employed, between jobs, or may work for a small business that cannot afford to provide adequate health insurance to their employees. Fortunately, there are options for individuals who need to self-insure.
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Illinois Health Insurance Information for Individuals
- If you have lost your job, be sure to apply for COBRA insurance within the first 60 days after termination. Your employer must give you this information. You are entitled to retain the health benefits you had in your job for up to 18 months, but you will have to pay the full premium.
- Your insurance provider cannot cancel your insurance if you get sick. They must keep the policy in force as long as you pay the premiums on time.
- While you are on COBRA, investigate personal health insurance, including PPO plans, HMO plans, and temporary health insurance. You may be able to cut your payments considerably with a different policy.
- If you want to continue to use your doctor, be sure to verify that he or she is a provider on the plan you choose.
- For a healthy young person, a plan with a high deductible and an HSA account may be affordable.
- Even if your employer offers basic coverage, you may still need individual insurance for dental, vision, or prescription expenses.
- Be sure to get quotes from several different health insurance providers in order to get the best, most affordable plan for you.
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