In Illinois, most aca plan projects cost between $0 and $1,200 per month, with a typical price near $300. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical aca plan cost
$0 – $1,200
per month · typical $300
A general planning range, not a quotation.
Aca plan cost breakdown
- Bronze plan (after subsidies)$0 – $300typical $100
- Silver plan (after subsidies)$0 – $500typical $200
- Gold plan (no subsidies)$400 – $1,200typical $700
At a glance
- Typical range$0 – $1,200
- Unitper month
- Cities covered50
What ACA Marketplace costs
Marketplace plan costs depend on income, age, location, and plan tier. With premium tax credits, many enrollees pay $0-$500 per month. Without subsidies, a silver plan might cost $400-$1,200 per month. Out-of-pocket costs also vary.
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
What is the average cost of an ACA plan?
After subsidies, most enrollees pay less than $300 per month. Without subsidies, a silver plan averages $500-$800 per month, but varies by state and age.
What drives ACA plan costs?
Your income (determines subsidies), age, location, plan tier, and tobacco use. More comprehensive plans (gold/platinum) have higher premiums but lower deductibles.
How can I lower my ACA premium?
Report income changes to maximize subsidies. Choose a bronze or silver plan with a Health Savings Account (HSA). Compare plans during open enrollment and consider cost-sharing reductions if eligible.