Health Insurance Across Illinois, Indiana & Wisconsin
More Options Than the Marketplace Shows You
Coverage Options
Health Coverage Available Through Prime Insurance Agency
Individual and Family Health Insurance
ACA marketplace plans, off-exchange private coverage, and short-term health options for individuals, families, and self-employed professionals in Illinois. We identify subsidy eligibility and compare plan options across carriers.
Medicare Supplement Insurance
Medigap plans that cover the out-of-pocket costs Medicare leaves behind — deductibles, copayments, and coinsurance. We compare plans across carriers for adults approaching or already in Medicare eligibility.
Dental and Vision Insurance
Standalone dental and vision plans for individuals and families, including Delta Dental options. We place coverage for clients whose employer plan doesn't include dental and vision or who need individual coverage outside of a group plan.
Disability Insurance
Income replacement coverage that pays a monthly benefit if illness or injury prevents you from working. Short-term and long-term disability options for self-employed professionals, business owners, and individuals whose employer coverage is insufficient.
Local Support
Health Insurance Is Complicated. You Don't Have to Navigate It Alone.
The health insurance market across Illinois,
Wisconsin, and
Indiana has changed significantly since 2020. New plan structures, expanded subsidy eligibility, changing carrier participation on the marketplace, and shifting premium tiers have made it genuinely difficult for individuals and families to know whether they're in the right plan — or even the right market segment.
Most people shopping for health insurance don't know which of four different coverage categories they should be looking at:
- ACA marketplace plans offer subsidized coverage for income-eligible individuals and families — premium tax credits that can significantly reduce monthly cost. Enrollment is available during the annual Open Enrollment Period or through a Special Enrollment Period triggered by a qualifying life event. Each state has its own marketplace — GetCoveredIllinois.gov in Illinois, with equivalent exchanges in Wisconsin and Indiana.
- Off-marketplace private plans are available outside the ACA exchange and may offer different carrier and plan options not available through the marketplace. These plans do not qualify for premium tax credits.
- Group and employer plans provide coverage through an employer contribution structure — typically the most cost-effective option when available, but not portable when employment changes.
- Medicare and Medicare supplement coverage applies for adults 65 and older, or those qualifying through disability — an entirely separate market with its own plan types, enrollment windows, and coverage rules.
Knowing which category you're shopping in before comparing plans is the starting point. We identify that first, then find the best available option within it.
Guidance
If You're Self-Employed, a Coverage Option Likely Exists That You Haven't Seen
Self-employed individuals and independent contractors across Illinois, Wisconsin, and Indiana face the health insurance market without an employer contribution — and many go without coverage because the unsubsidized premium appears unaffordable.
What many don't know: premium tax credits through the ACA marketplace are available across a wider income range than most
people assume, and a qualifying self-employed individual may be
eligible for a subsidy that reduces monthly cost substantially. An independent agent identifies that eligibility before presenting plan options — something a direct insurer's website is not designed to
do for you.
If you've been uninsured because coverage seemed out of reach financially, the conversation with an independent agent is worth
having before you assume.
Job Change, Coverage Gap
Getting It Right Under a Time Constraint
A job transition creates an immediate health insurance decision with a short window. COBRA continuation coverage, a Special Enrollment Period on the ACA marketplace, and off-exchange private plans each have different timelines, premium structures, and eligibility rules.
COBRA continuation is portable but typically expensive — the former employee pays the full premium plus an administrative fee. A marketplace plan through a Special Enrollment Period may offer better value, particularly for income-eligible individuals. The right answer depends on the specifics of the transition, the timeline, and the household's coverage needs.
We walk through these options quickly — the decision doesn't require a deep understanding of health insurance policy structures,
just a 20-minute conversation with someone who does.
Carriers We Work With
Prime Insurance Agency places health and ancillary coverage through established carriers including Blue Cross Blue Shield, United Healthcare, Aetna, and Delta Dental, among others. Carrier availability varies by plan type, state, and enrollment period.
As an independent agency, we are not obligated to any single carrier — our obligation is to find the plan that fits your coverage needs and budget, regardless of which company issues it.
Common Questions About
Health & Medicare Insurance
How do I find an independent health insurance agent in Illinois, Wisconsin, or Indiana?
Prime Insurance Agency serves individuals, families, and self-employed professionals across all three states. As an independent agency, we compare options across multiple carriers and navigate the marketplace on your behalf. Call (630) 539-0123 or submit a quote request to get started.
What are my health insurance options as a self-employed individual?
Self-employed individuals can access ACA marketplace plans — which may include premium tax credits based on net self-employment income — or off-marketplace private plans. The right option depends on your income, household size, and coverage priorities. We calculate subsidy eligibility first and compare options across both markets.
How do I get health insurance if I'm between jobs?
A job loss qualifies as a Special Enrollment Period, giving you 60 days to enroll in a marketplace plan. COBRA continuation is also available but typically costs more. We compare the options and timeline for your specific situation so you can make the right decision quickly.
What is the difference between an ACA marketplace plan and an off-marketplace health plan?
ACA marketplace plans are eligible for premium tax credits for qualifying buyers. Off-marketplace plans are not eligible for subsidies but may offer different carrier options or plan structures. For buyers above the subsidy threshold, comparing both markets is worth doing before choosing.
Does Prime Insurance Agency offer Medicare supplement coverage?
Yes. We place Medicare supplement — Medigap — coverage for adults approaching or already in Medicare eligibility across DuPage and Cook counties. Medicare supplement is a separate product from ACA marketplace plans and has its own enrollment windows and carrier structure.
Does Prime Insurance handle Medicare supplement coverage?
Yes. We place Medicare supplement — Medigap — coverage for adults approaching or already in Medicare eligibility across Illinois, Wisconsin, and Indiana. Medicare supplement is a separate product from ACA marketplace plans and has its own enrollment windows and carrier structure.
One Agency for Every Health Coverage Category
When you call Prime Insurance Agency, you reach a team that handles individual health, Medicare supplement, dental, vision, and disability coverage through a single relationship — without routing you to a different agent for each product category.
Whatever stage of life or career transition you're navigating, the conversation starts with one call.