The Affordable Care Act requires health insurance plans to offer certain preventive care services free of charge - or more accurately, for nothing more than the cost of your monthly insurance premiums. Understanding Obamacare's Preventive Health Care Benefits Get vaccinations, mammograms, colonoscopies, and other essential services for free Many people who apply for coverage at the Illinois exchange will be eligible for some form of financial assistance. You may qualify for free or low-cost coverage through Medicaid in Illinois, or your children may be able to obtain coverage through the Children’s Health Insurance Program (CHIP).Įach of these forms of assistance depends on your income and family size.You may be able to reduce your out-of-pocket costs - including copayments, deductibles, and coinsurance - with cost-sharing subsidies paid for by insurers.This article is updated to cover the new tax credits available under the American Rescue Plan Act of 2021. Your subsidies will come in the form of a federal tax credit. You may be able to lower the cost of monthly premiums when you sign up for a private health insurance plan.There are three primary ways to reduce the cost of health plans under the Affordable Care Act in Illinois. ![]() Ways to Save Money on Obamacare in Illinois If you see a plan you like, you'll be guided through the enrollment process online. This is where you can learn about the various health insurance options available to you under the Affordable Care Act. You can find the health insurance exchange for Illinois at. Where's the Illinois Health Care Exchange? Most enrollment helpers are working remotely during the COVID crisis. If you need personalized help, you can reach out to an enrollment assistant. To get covered, you can go directly to the online health insurance marketplace for Illinois. (See What Happens If I Missed the Enrollment Deadline for 2022?) For example, if you’ve recently lost your job or income due to the COVID-19 crisis or for any other reason, you might qualify for a 60-day special enrollment period that will allow you to sign up for a new health insurance plan. However, you may still be able to purchase health insurance for this year if you qualify for a special enrollment period. For 2022 health plans, Illinois open enrollment has ended.
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