Illinois operates through Get Covered Illinois, the state's official health insurance Marketplace. With a large and diverse population — from Chicago's dense urban core to suburban communities and rural downstate Illinois — health insurance needs vary widely, and so do the options available.
Triple Crown Health works with individuals and families across Illinois to find coverage that makes sense for their specific situation. Whether you're a freelancer in Chicago, a small business owner in Naperville, a 1099 contractor in Rockford, or a family in Springfield looking for better options than what your employer offers — there are more paths to affordable coverage than most people know.
Get Covered Illinois vs. Private Health Insurance
Illinois residents can access ACA plans through Get Covered Illinois. Subsidies are available based on federal income guidelines and can significantly reduce premiums for qualifying households. For those above the subsidy range — roughly $58,000+ for individuals and $120,000+ for families of four — private health insurance purchased directly from carriers is often the more cost-effective option.
Chicago's Independent Workforce
Chicago has one of the largest concentrations of freelancers, gig workers, independent consultants, and self-employed professionals in the Midwest. Many earn solid incomes — $80,000 to $150,000+ — that put them above ACA subsidy thresholds but below the level where health insurance feels affordable without employer contribution. Private health insurance is frequently the answer for this group.
Simple Coverage Across Illinois
MacKenzie Wickel compares all available options for Illinois residents in a single call — Get Covered Illinois plans, private carriers, and short-term coverage — so you can make an informed decision with real numbers in front of you. Coverage can begin as fast as 24 hours for private plans.
Book a free 20-minute call with MacKenzie — no pressure, no obligation, just a straight answer about what fits your situation in Illinois.