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Individual Health Insurance and/or Family Health Insurance


Chicago and Northeastern Illinois

(the collar counties surrounding Chicago)


BlueCross BlueShield of Illinois (BCBSIL) is the largest insurer of Group and individual health insurance policies in the Chicago metropolitan area.


Did you know that BCBSIL's "healthy" (lowest) premium for an individual health insurance policy can be 30% to 50% less than the typical employer sponsored Group premium?  That is why so many in our area are switching to individual health insurance policies as a better way to protect themselves and their families.


Did you also know that as many as 8 out of 10 people can qualify for a "healthy" premium?


Just because BCBSIL is the largest does not mean they are always the most competitive.  This is also the case if you live further away from Chicago (rates vary by zip code).  And sometimes it is not easy to qualify for BCBSIL's lowest individual health insurance policy premium.


That is the reason we represent other fine insurers like Aetna, Humana (HumanaOne), Unicare, UnitedHealthcare (UnitedHealthOne), PersonalCare/Coventry and Anthem BlueCross BlueShield of Indiana (for north-western Indiana) and Anthem BlueCross BlueShield of Wisconsin (for south-eastern Wisconsin).


Here are a few more "Did You Knows" and then we'll get to what this means to you:

1.    Each member of a family can have their own individual health insurance policy with a different insurance company, including a child-only plan.  This can be very important if one family member has a health problem.


2.    Most employer sponsored plans give, at most, the option of only 3 plans with only one insurance company.  For individual health insurance you have the option of many insurance companies and hundreds of plan options.  You make the choice, not an employer.


3.    If you have your own policy and switch jobs, you do not have to worry about the high cost of COBRA or if the new employer has Group insurance: thatýs because you already have your own coverage.


What this means is that all you need to know about how to buy the best individual or family health insurance plan can be found on this website.


But because there are so many factors that affect cost, we strongly suggest that you contact us so that we can guide you to the best decision.


Here are the 4 most important features the drive the cost of an individual health insurance:

1.     Deductible - the higher the deductible, the lower the premium.


2.     Annual Maximum out of Pocket Expense (OPX) - the higher the OPX, the lower the premium.


Tip: Do not buy a plan where the Deductible plus the OPX are larger than the most you can afford in one year.


Another Tip: HSA Plans can really help pay for the Deductible plus the OPX.


3.     Size of Network - For example BCBSIL has 2 PPO networks: one smaller than the other. If you pick a plan with the smaller network, you can save 5% to 10%.


4.     First Dollar Benefits - These are benefits that are usually paid at 100% subject to a small deductible or copay, such as Dr. Office Visits, ER visits or Prescription Drug cards.


Tip: You can still have these same benefits, but if you make them subject to the planýs regular deductible and coinsurance, you can save 5% to 25%.


Notice: Individual health insurance plan features such as coinsurance and copays are not mentioned.  They are cost factors, but not nearly as much as the 4 that are listed.



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