Plans Available in Champaign
Marketplace health insurance in Champaign is offered by: BCBS of Illinois, Ambetter, Aetna, Cigna, Molina Healthcare, Oscar Health. The leading carrier in the Champaign area is BCBS of Illinois. Available plans and exact premiums depend on your ZIP code, age, and household income.
Hospitals and Health Systems in Champaign
- Carle Foundation Hospital
- OSF Heart of Mary Medical Center
Verify that your preferred hospital is in-network before selecting a plan. Use each carrier's online provider directory or call the plan's member services number.
ACA Subsidies and Medicaid
If your household income is between 100% and 400% of the Federal Poverty Level (approximately $15,650 to $62,600 per year for a single adult in 2026), you likely qualify for premium tax credits that reduce your monthly premium. Medicaid available year-round for income-eligible adults (138% FPL or below).
How to Enroll
Open Enrollment runs November 1 through January 15 each year. If you have a qualifying life event (job loss, move, marriage, new baby), you have a 60-day Special Enrollment Period. An independent, licensed broker can compare every plan available in your Champaign ZIP code at no cost to you.