Illinois Health Insurance Regulations

Illinois health insurance regulations protect both you and the insurance company - taking time to understand both is important.

Get a free health insurance quote

Research quotes, and apply for coverage at eHealthInsurance. You can pick what coverage you want and set your limits and deductibles, before applying for more personalized rate info.

Start here:

	Gender	Date of Birth MM         DD          YYYY
Applicant*	-- Male Female	/ /
Spouse	-- Male Female	/ /
Enter Zip Code:

If you do not receive enough quotes to make an accurate comparison, try adding quotes from InsureMe. This is a service that will provide you with competing quotes from local agents who can also offer help with setting coverage limits, deciding on a plan, etc. Click here to fill out one quick form.

Illinois health insurance laws

Illinois health insurance policies must include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions for any length of time
  • 31 day coverage for newborns and adopted children

Illinois health insurance regulations

Illinois health insurance companies can:

  • deny you health insurance on the basis of your health
  • charge you higher premiums on the basis of your health

Illinois health insurance companies are prohibited from:

  • terminating an existing health insurance policy due to illness.

Illinois health insurance: temporary policies

Conversion plans are available for temporary Illinois health insurance.

Other IL health insurance info

If you want more help getting a good health insurance policy, read our guide to health insurance.

Also see our guide to Illinois small business health insurance.


For more on IL health insurance, visit the Illinois Department of Insurance.

Want to learn even more?

Then subscribe to our free email course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible health plan for you and your family. (Or your small business).

Sign up here: