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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.
INDIVIDUAL MARKET
| Issuer | SERFF Number | INITIAL AVG | INITIAL MAX | INITIAL MIN | Rate Filings |
|---|---|---|---|---|---|
|
Blue Cross Blue Shield of Illinois * |
ILCP-134525731 |
27.00% | 60.40% | -5.60% | |
|
Celtic Insurance Company |
CECO-134506476 |
18.70% | 24.80% | -1.60% | |
|
Cigna HealthCare of Illinois, Inc |
CCGH-134544732 |
8.24% | 15.60% | -5.70% | |
|
MercyCare HMO, Inc. |
MCIN-134453694 |
9.31% | 21.10% | -14.01% | |
|
Molina Healthcare of Illinois, Inc. |
MHCI-134519313 |
14.80% | 23.70% | -7.60% | |
|
Oscar Health Plan, Inc. |
OHIN-134554956 |
0.20% | 10.07% | -10.04% | |
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134492705 |
17.94% | 33.20% | -4.92% |
*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 | Rate Filings |
|---|---|---|---|---|---|
|
Blue Cross Blue Shield of Illinois * |
ILCP-134536831 |
13.45% | 24.68% | 2.00% | |
|
Medical Associates Health Plan, Inc. |
MEDC-134499660 |
5.60% | 8.30% | -1.60% | |
|
MercyCare HMO, Inc. |
MCIN-134453746 |
4.16% | 6.04% | 2.89% | |
|
UnitedHealthcare Insurance Company of Illinois |
UHLC-134549388 |
10.40% | 22.78% | 5.67% | |
|
UnitedHealthcare Insurance Company of the River Valley |
UHLC-134548919 |
7.73% | 9.30% | 7.70% | |
|
UnitedHealthcare of Illinois, Inc. |
UHLC-134549382 |
7.60% | 8.43% | 6.62% | |
|
UnitedHealthcare Plan of the River Valley, Inc. |
UHLC-134548920 |
10.20% | 10.50% | 10.20% |
*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.
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Offices
Illinois Department of Insurance
115 S. LaSalle Street, 13th Floor
Chicago, IL 60603
(312) 814-2420
Illinois Department of Insurance
320 W. Washington St.
Springfield, IL 62767
(217) 782-4515