Get Covered Illinois

Get Covered Illinois at Rincon Family Services is the official health insurance marketplace for the state of Illinois, created under the Affordable Care Act (ACA). It helps individuals, families, and small businesses compare, select, and enroll in affordable, high-quality health insurance plans.

What is it?
Get Covered Illinois operates through the federal Marketplace (HealthCare.gov) and serves as a centralized resource for Illinois residents to explore health coverage options. The program provides clear information about available plans, costs, and benefits, and connects eligible applicants with financial assistance to reduce premiums and out-of-pocket expenses.

Who can apply?
You may qualify for coverage through Get Covered Illinois if you:

• Live in Illinois
• Are a U.S. citizen or lawfully present immigrant
• Are not incarcerated
• Do not have access to affordable employer-sponsored coverage (with some exceptions)

Individuals and families across a wide range of income levels can apply, and many qualify for financial help based on income and household size.

How is it funded?
Get Covered Illinois is funded through the federal government under the Affordable Care Act, with additional support from the State of Illinois. The program is implemented through partnerships with community organizations that provide free outreach, education, and enrollment assistance.

Benefits and Services

• Access to comprehensive health insurance plans that include essential health benefits such as doctor visits, hospital care, prescription medications, mental health services, maternity care, and preventive services
• Financial assistance, including premium tax credits and cost-sharing reductions for those who qualify
• Free, in-person or virtual enrollment assistance from trained navigators and community partners
• Coverage for pre-existing conditions without denial or higher costs
• Preventive services covered at no additional cost

Open Enrollment & Special Enrollment Periods
Get Covered Illinois has an annual Open Enrollment period when anyone eligible can sign up for coverage. Outside of this period, individuals may still enroll if they qualify for a Special Enrollment Period (SEP).

A SEP is triggered by certain life events and typically provides a 60-day window before or after the event to apply for coverage.

Qualifying Life Events include:

• Loss of health coverage
  • Losing job-based insurance
  • Losing Medicaid or All Kids coverage
• Changes in household size
  
  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family

• Changes in household size
  
  • Moving to Illinois from another state
  • Moving within Illinois to a different coverage area
  • A student moving to or from their school location

• Other qualifying changes
  • Changes in income that affect eligibility
  • Becoming a U.S. citizen
  • Leaving jail or prison
  • Starting or ending AmeriCorps service
  • Pregnancy

Why it matters
Get Covered Illinois plays a critical role in expanding access to affordable health care. By offering financial assistance and a variety of coverage options, the program helps ensure that individuals and families can receive the medical care they need while protecting their financial well-being.

Get Help Today
Speak with a specialist today for free, personalized assistance with your application:
Call or Text Ana Cossio at (312) 874-8425