In Illinois, most health insurance projects cost between $200 and $800 per month, with a typical price near $450. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical health insurance cost
$200 – $800
per month · typical $450
A general planning range, not a quotation.
Health insurance cost breakdown
- Bronze plan$150 – $400typical $250
- Silver plan$300 – $600typical $450
- Gold plan$450 – $900typical $650
At a glance
- Typical range$200 – $800
- Unitper month
- Cities covered50
What Health Insurance costs
Monthly cost for individual health insurance in US/Canada. Subsidized marketplace plans start at $200; unsubsidized plans can be $800+. Employer coverage averages $450.
By city in Illinois
- Addison
- Alton
- Arlington Heights
- Belleville
- Berwyn
- Bolingbrook
- Buffalo Grove
- Calumet City
- Carbondale
- Carol Stream
- Carpentersville
- Champaign
- Chicago
- Cicero
- Crystal Lake
- DeKalb
- Decatur
- Des Plaines
- Downers Grove
- Elgin
- Elmhurst
- Evanston
- Glenview
- Hanover Park
- Hoffman Estates
- Joliet
- Kankakee
- Lombard
- Moline
- Mount Prospect
- Naperville
- Normal
- Oak Lawn
- Oak Park
- Orland Park
- Palatine
- Park Ridge
- Peoria
- Rock Island
- Rockford
- Romeoville
- Round Lake Beach
- Schaumburg
- Skokie
- Springfield
- Streamwood
- Tinley Park
- Urbana
- Waukegan
- Wheaton
Frequently asked questions
How do deductibles affect premium costs?
Higher deductibles (e.g., $5,000) lower monthly premiums. Lower deductibles increase premiums but reduce out-of-pocket when you need care.
When is open enrollment for health insurance?
Typically November to mid-December each year. Special enrollment periods exist for life changes like marriage or job loss.
What is the out-of-pocket maximum?
The most you pay per year for covered services. For 2025, maximum is $9,200 individual, after which insurance pays 100%.