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Illinois

Illinois Health Insurance

Illinois has moderate insurance regulations that protect both you and the insurance company. It's important to familiarize yourself with them, so you can exercise your rights if the need ever arises.

This guide:

  • Describes important Illinois health insurance policy regulations

  • Lists rules Illinois health insurance companies must follow

Health insurance policies are regulated by each state's own health insurance laws. Illinois health insurance companies and policyholders alike must abide by established insurance laws.

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Do You Qualify For A Subsidy?


Find out if you qualify for a government subsidy under Obamacare. Millions of Americans will have their insurance rates reduced under the new health care law. Learn how much you could save with our simple calculator.

Illinois health insurance policy provisions

Some of the most important Illinois health insurance laws are the ones that influence the health insurance policy itself. These often offer you, the consumer, the most protection.

For instance, Illinois health insurance is guaranteed renewable as long as you have not provided any false information on your application and have paid your premiums on time. This means Illinois insurance companies cannot cancel your health coverage or refuse you renewal on the grounds of illness.

One provision that Illinois law requires which protects growing families states that policyholders' children are are also automatically covered for 31 days after birth or adoption.

Finally, medical conditions can be excluded from your Illinois health insurance coverage for a period of time if the conditions are considered to be "pre-existing".

The term “pre-existing” is defined by different state laws differently. Illinois health insurance laws define pre-existing conditions as ones you either received medical treatment for or were diagnosed with at some time before the activation of your Illinois health insurance policy.

Legally, Illinois health insurance companies are allowed to include exclusion periods for any condition that falls under this description. Illinois health insurance companies can also exclude coverage for pre-existing conditions permanently by attaching what is known as an elimination rider to the policy.

Also, if you switch Illinois health insurance companies, they can impose their own exclusion period for any duration.

Regulating Illinois health insurance companies

Illinois health insurance laws do not contain strict health insurance company regulations. For instance, Illinois health insurance companies are allowed to refuse you coverage or charge you more for coverage on the basis of your health.

Since the cost of Illinois health insurance is NOT regulated by Illinois health insurance laws, you may be subjected to a steep increase in premiums as you grow older or your health declines.

However, as stated previously, once you purchase an Illinois health insurance policy, your health insurance company cannot deny your request to renew your health insurance policy.

This being the the case, it is highly recommended that you buy Illinois health insurance while you are young and healthy to ensure you get comprehensive, low costing coverage.

Temporary Illinois health insurance

There are times you may have breaks in your health insurance coverage. Instead of going without health insurance, it makes far more sense to buy a temporary health insurance policy.

In Illinois, you qualify for a conversion policy if you are leaving a group insurance policy. Illinois health insurance conversion plans are not standardized, so their coverage can vary and their premiums can be quite high.

In order to obtain a conversion policy, you must complete and return the application within 31 days from the last day of your old policy's coverage.

More IL health insurance help

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.


To find out more about IL health insurance laws and regulations, visit the official website of the Illinois Department of Insurance.





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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.