Agencies
Services
Affordable Care Act (ACA) - Illinois Rate Filings
The chart below contains proposed rates for Plan Year 2026, which will be reviewed for compliance with federal and state requirements.
One comment received: “Looking for different priced”
2025 Illinois On- and Off-Exchange Plan Analyses can be found here.
The Health Rate Review Consumer Guide can be found here.
Final Filings
Individual ACA Policy Year 2026
| Issuer | SERFF Number | INITIAL AVG | INITIAL MAX | INITIAL MIN | FINAL AVG | FINAL MAX | FINAL MIN | Letter |
|---|---|---|---|---|---|---|---|---|
|
Blue Cross Blue Shield of Illinois * |
ILCP-134670264 |
27.0% |
60.4% |
-5.6% |
28.2% |
60.3% |
-8.1% |
|
|
Celtic Insurance Company |
CECO-134675677 |
18.7% |
24.8% |
-1.6% |
42.1% |
45.5% |
17.2% |
|
|
Cigna HealthCare of Illinois, Inc. |
CCGH-134716364 |
8.2% |
15.6% |
-5.7% |
19.5% |
35.0% |
-12.1% |
|
|
MercyCare HMO, Inc. |
MCIN-134675448 |
9.3% |
21.1% |
-14.0% |
11.1% |
20.7% |
-8.5% |
|
|
Molina Healthcare of Illinois, Inc. |
MHCI-134670754 |
14.8% |
23.7% |
-7.6% |
23.8% |
25.9% |
-2.5% |
|
|
Oscar Health Plan, Inc. |
OHIN-134674841 |
0.2% |
10.1% |
-10.0% |
10.4% |
29.4% |
-6.0% |
|
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134673116 |
17.9% |
33.2% |
-4.9% |
21.9% |
36.4% |
-1.4% |
|
|
Total |
24.2% |
30.1% |
*Blue Cross Blue Shield of Illinois is also known as Health Care Service Corporation, A Mutual Legal Reserve Company.*
Small Group ACA Policy Year 2026
| Issuer | SERFF Number | INITIAL AVG | INITIAL MAX | INITIAL MIN | FINAL AVG | FINAL MAX | FINAL MIN | Letter |
|---|---|---|---|---|---|---|---|---|
|
Blue Cross Blue Shield of Illinois * |
ILCP-134667967 |
13.5% |
24.7% |
2.0% |
13.4% |
23.5% |
3.6% |
|
|
Medical Associates Health Plan, Inc. |
MEDC-134499660 |
5.6% |
8.3% |
-1.6% |
5.5% |
7.7% |
-1.5% |
|
|
MercyCare HMO, Inc. |
MCIN-134453746 |
4.2% |
6.0% |
2.9% |
4.2% |
6.0% |
2.9% |
|
|
UnitedHealthcare Insurance Company of Illinois |
UHLC-134549388 |
10.4% |
22.8% |
5.7% |
12.8% |
25.5% |
8.0% |
|
|
UnitedHealthcare Insurance Company of the River Valley |
UHLC-134548919 |
7.7% |
9.3% |
7.7% |
8.8% |
10.3% |
8.7% |
|
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134549382 |
7.6% |
8.4% |
6.6% |
9.6% |
10.5% |
8.6% |
|
|
UnitedHealthcare Plan of the River Valley, Inc. |
UHLC-134548920 |
10.2% |
10.5% |
10.2% |
11.2% |
11.5% |
11.2% |
|
|
Total |
13.3% |
13.4% |
*Blue Cross Blue Shield of Illinois is also known as Health Care Service Corporation, A Mutual Legal Reserve Company.*
Previously Labeled Final
Policy Year 2026 Individual ACA
| Issuer | SERFF Number | INITIAL AVG | INITIAL MAX | INITIAL MIN | FINAL AVG | FINAL MAX | FINAL MIN | Letter |
|---|---|---|---|---|---|---|---|---|
|
Blue Cross Blue Shield of Illinois * |
ILCP-134525731 |
27.0% |
60.4% |
-5.6% |
27.1% |
62.2% |
-6.9% |
|
|
Celtic Insurance Company |
CECO-134506476 |
18.7% |
24.8% |
-1.6% |
38.6% |
45.5% |
15.3% |
|
|
Cigna HealthCare of Illinois, Inc. |
CCGH-134544732 |
8.2% |
15.6% |
-5.7% |
19.0% |
33.4% |
-11.8% |
|
|
MercyCare HMO, Inc. |
MCIN-134453694 |
9.3% |
21.1% |
-14.0% |
9.3% |
21.1% |
-13.5% |
|
|
Molina Healthcare of Illinois, Inc. |
MHCI-134519313 |
14.8% |
23.7% |
-7.6% |
20.1% |
21.7% |
-1.3% |
|
|
Oscar Health Plan, Inc. |
OHIN-134554956 |
0.2% |
10.1% |
-10.0% |
10.4% |
29.4% |
-6.0% |
|
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134492705 |
17.9% |
33.2% |
-4.9% |
20.8% |
36.6% |
-2.6% |
|
|
Individual ACA Market Average |
24.2% |
28.8% |
*Blue Cross Blue Shield of Illinois is also known as Health Care Service Corporation, A Mutual Legal Reserve Company.*
Policy Year 2026 Small Group ACA
| Issuer | SERFF Number | INITIAL AVG | INITIAL MAX | INITIAL MIN | FINAL AVG | FINAL MAX | FINAL MIN | Letter |
|---|---|---|---|---|---|---|---|---|
|
Blue Cross Blue Shield of Illinois * |
ILCP-134536831 |
13.5% |
24.7% |
2.0% |
13.5% |
24.7% |
2.0% |
|
|
Medical Associates Health Plan, Inc. |
MEDC-134499660 |
5.6% |
8.3% |
-1.6% |
5.5% |
7.7% |
-1.5% |
|
|
MercyCare HMO, Inc. |
MCIN-134453746 |
4.2% |
6.0% |
2.9% |
4.2% |
6.0% |
2.9% |
|
|
UnitedHealthcare Insurance Company of Illinois |
UHLC-134549388 |
10.4% |
22.8% |
5.7% |
12.8% |
25.5% |
8.0% |
|
|
UnitedHealthcare Insurance Company of the River Valley |
UHLC-134548919 |
7.7% |
9.3% |
7.7% |
8.8% |
10.3% |
8.7% |
|
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134549382 |
7.6% |
8.4% |
6.6% |
9.6% |
10.5% |
8.6% |
|
|
UnitedHealthcare Plan of the River Valley, Inc. |
UHLC-134548920 |
10.2% |
10.5% |
10.2% |
11.2% |
11.5% |
11.2% |
|
|
Small Group ACA Market Average |
13.3% |
13.3% |
*Blue Cross Blue Shield of Illinois is also known as Health Care Service Corporation, A Mutual Legal Reserve Company.*
Initial Filings
INDIVIDUAL MARKET
| Issuer | SERFF Number | INITIAL AVG | INITIAL MAX | INITIAL MIN | FINAL AVG | FINAL MAX | FINAL MIN | Rate Filings |
|---|---|---|---|---|---|---|---|---|
|
Celtic Insurance Company |
CECO-134506476 |
18.70% | 24.80% | -1.60% | 6.94% | 18.44% | 3.84% | |
|
Cigna HealthCare of Illinois, Inc |
CCGH-134544732 |
8.24% | 15.60% | -5.70% | 2.03% | 12.42% | -2.19% | |
|
Blue Cross Blue Shield of Illinois * |
ILCP-134525731 |
27.00% | 60.40% | -5.60% | -4.10% | -2.80% | -8.00% | |
|
MercyCare HMO, Inc. |
MCIN-134453694 |
9.31% | 21.10% | -14.01% | 6.39% | 9.79% | 3.65% | |
|
Molina Healthcare of Illinois, Inc. |
MHCI-134519313 |
14.80% | 23.70% | -7.60% | 10.05% | 19.56% | 1.51% | |
|
Oscar Health Plan, Inc. |
OHIN-134554956 |
0.20% | 10.07% | -10.04% | 6.60% | 19.00% | -10.00% | |
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134492705 |
17.94% | 33.20% | -4.92% | 5.37% | 6.54% | 4.13% |
*Blue Cross Blue Shield of Illinois is also known as Health Care Service Corporation, A Mutual Legal Reserve Company.*
SMALL MARKET
| Issuer | SERFF Number | INITIAL AVG | INITIAL MAX | INITIAL MIN | FINAL AVG | FINAL MAX | FINAL MIN | Rate Filings |
|---|---|---|---|---|---|---|---|---|
|
Blue Cross Blue Shield of Illinois * |
ILCP-134536831 |
13.45% | 24.68% | 2.00% | 19.69% | 43.90% | -14.09% | |
|
Medical Associates Health Plan, Inc. |
MEDC-134499660 |
5.60% | 8.30% | -1.60% | 8.64% | 15.67% | 0.89% | |
|
MercyCare HMO, Inc. |
MCIN-134453746 |
4.16% | 6.04% | 2.89% | 7.80% | 12.60% | 0.20% | |
|
UnitedHealthcare Insurance Company of Illinois |
UHLC-134549388 |
10.40% | 22.78% | 5.67% | 6.52% | 7.08% | 5.36% | |
|
UnitedHealthcare Insurance Company of the River Valley |
UHLC-134548919 |
7.73% | 9.30% | 7.70% | 11.64% | 16.92% | 7.99% | |
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134549382 |
7.60% | 8.43% | 6.62% | 8.74% | 8.87% | 5.44% | |
|
UnitedHealthcare Plan of the River Valley, Inc. |
UHLC-134548920 |
10.20% | 10.50% | 10.20% | 5.90% | 8.52% | -2.69% |
*Blue Cross Blue Shield of Illinois is also known as Health Care Service Corporation, A Mutual Legal Reserve Company.*
SMALL MARKET QUARTERLY RATE FILING UPDATES
The Department received a quarterly rate filing from HCSC (Blue Cross Blue Shield) which would revise small group major medical rates effective July 1, 2025. Please submit any comments to DOI.HealthRateReview@illinois.gov by April 24, 2025.