Get Covered Illinois marketplace plans (new for 2026), employer group coverage from level-funded to ICHRA, and Illinois Medicaid context — all under one IDOI-regulated platform from Chicago to Rockford to Peoria.
Benefitra is the parent platform for benefits brokerage, HR SaaS, marketing, and decision-support tools. Illinois employers can adopt one pillar or stack them.
Seven funding paths: fully-insured, level-funded, self-funded, ICHRA, PEO-integrated, captive, Taft-Hartley.
Compare paths →Lead-engine and rankings for growing employers. Page-2-to-page-1 in months.
See trajectories →Illinois health plans give consumers and employers more options for dependable health insurance coverage. These options match different budgets and needs.
Individual and family plans. Illinois transitioned to its own state-based exchange — Get Covered Illinois — effective January 1, 2026, replacing HealthCare.gov for Illinoisans. Plans are ACA-compliant qualified health plans regulated by the Illinois Department of Insurance (IDOI). The transition was authorized by Public Act 102-1117 and is projected to lower marketplace user fees while expanding state-funded subsidy options. Open enrollment for the 2026 plan year ran through Get Covered Illinois.
Qualified health plans and subsidies. Get Covered Illinois plans cover the federal essential health benefits. Most Illinois enrollees qualify for federal premium tax credits based on household income, and many qualify for cost-sharing reductions on silver plans. Illinois also operates a state premium assistance program for households just above the federal subsidy cliff. Open enrollment runs annually (Nov 1 – Jan 15 historically), with special enrollment for qualifying life events.
Illinois Medicaid. Illinois Medicaid is administered by the Illinois Department of Healthcare and Family Services (HFS), with managed care branded HealthChoice Illinois. Illinois expanded Medicaid under the ACA effective January 1, 2014, raising the income limit for adults to 138% FPL. The state also covers undocumented children and seniors under the All Kids and Health Benefits for Immigrant Adults programs (state-funded). The 2023 ACS uninsured rate stands at 6.2%.
Employer group plans in Illinois. Illinois employers with 1 or more employees can offer small-group health insurance year-round (Illinois guarantees small-group access at 1+ employees). Mid-market employers across the Chicago, Rockford, and Peoria metros increasingly use level-funded, self-funded, or ICHRA designs to control renewals — the 2026 Get Covered Illinois transition also makes ICHRA more attractive for Illinois employers who want a defined-contribution benefit pegged to a stable state marketplace. Benefitra's Funding-Fit Discovery models the math across all seven arrangements.
The Get Covered Illinois transition created an opening for us to revisit funding strategy. Sam ran the model and picked the right path.
ICHRA finally made sense for our Chicago team once Get Covered Illinois launched. Defined contribution, individual plan choice.
Sam helped our Illinois family pick a Get Covered Illinois plan that kept our pediatrician. Subsidies were better than expected.
Marketplace, Medicaid, group plans, and ICHRA. Common Illinois-specific questions for families and employers.
Answer twelve short questions. We grade your fit across the seven funding arrangements — fully-insured, level-funded, self-funded, captive, ICHRA, PEO-integrated, and Taft-Hartley.
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