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More than 1.5 million people in Illinois who were uninsured in 2013 are now are guaranteed access to affordable, quality health insurance coverage. This includes people with special healthcare needs and pre-existing conditions, low-income childless adults, seniors, young adults and self-employed individuals. As of 2010, all Illinois residents are protected by a “Patient’s Bill of Rights,” which puts an end to some of the most extreme health insurance abuses and put consumers in greater control of their health care.

Consumers now need to understand how to navigate the healthcare system and the new health insurance marketplace in order to access coverage, and make use of the healthcare protections and benefits now available. We provide the information necessary to make that connection.

Some key resources:





 Q:   What happens at tax time for consumers who have a reduction in income and are also receiving financial assistance from the Marketplace?

 A:     If someone were receiving a tax credit and later would have been eligible for Medicaid rather than a private plan based on actual income, s/he doesn't have to pay the IRS back for the tax credit.  HHS created this policy to protect low-income consumers.  In fact, the final tax credit will be calculated based on the individual's actual income, not the earlier estimate. So that person may actually get a larger refund at the end of the year due to the higher tax credit (and lower actual income). Projected incomes should be as accurate as possible and if something changes during the year, it should be reported to make sure the consumer is receiving the correct amount and enrolled in an appropriate health insurance plan. To learn more about when to report changes to the marketplace, see "How do I report life changes?"

More questions answered

Do you have questions about issues like how health care reform impacts people with disabilities or children with pre-existing conditions? Learn from the experiences of others—or, submit your question here.

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Individual & Family Resources


Applying for Medicaid in Illinois – FAQ

This set of answers from HFS to frequently asked questions is especially helpful for anyone who works directly with Medicaid consumers/applicants. Included are details such as how to change some information on an application or submit verification documents, find a Medicaid provider, and how applicants should not fill out a new application in ABE for a newborn.

Taxi Driver Affordable Coverage Options

This fact sheet from the Enroll Chicago Small Business Initiative can help answer any questions taxi drivers might have about enrolling in quality health coverage through the new Illinois health insurance marketplace, Get Covered Illinois, and help them choose a plan that best fits their needs and those of their families.

Medicaid Adult Dental Services Restoration

This fact sheet from Everthrive Illinois details what dental services are covered as of July 1, 2014, for adults and children under Medicaid as well as where to go to find a dentist.

More resources


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