* Get Covered Illinois is open for business! For more information on applying for health coverage in Illinois please visit getcoveredillinois.gov. *
Through the Affordable Care Act, Health Insurance Marketplaces (formerly known as the Health Insurance Exchanges) have been established across the country. Each state had the option to set up a state-based insurance Marketplace that will allow individuals and employers to easily compare and evaluate health insurance plans. Through the Marketplace, Illinois residents and small business owners will be able to compare quality and affordable health insurance options, apply tax credits directly, and receive enrollment support. Enrollment in health coverage through the Marketplace began on October 1, 2013 with plans effective beginning on January 1, 2014.
The federal government also give states that need more time to establish state-based Marketplaces an option for the first year of operation. States can participate in a partnership with the federal government, with the option of running the plan management and in-person consumer assistances functions. The other Marketplace functions will be operated by the federal government. The state of Illinois will participate in a partnership for the first year and plans to use this opportunity as a bridge to a state-based Marketplace for the second year of operation. If you are interested in signing up for more information about health coverage through the Marketplace beginning on October 1, please click here.
A list of the Illinois Marketplace team is available here.
Illinois In-Person Assistance Programs
There are several programs in Illinois that will help consumers apply for health coverage through the Illinois Health Insurance Marketplace. Click for here more information.
In-Person Counselor Program (IPC) Grant Program
On July 17, Governor Pat Quinn announced the award of $27 million in federal funds to 44 community groups statewide that will be conducting outreach, providing education and facilitating enrollment in the Illinois Health Insurance Marketplace through the In-Person Counselor Program. A complete list of the community groups selected to participate in the outreach and enrollment effort is available here. The press release is available here.
Earlier this year, the Illinois Health Insurance Marketplace, in coordination with the Illinois Department of Public Health, announced a funding opportunity for community groups and other qualified organizations who wanted to participate in the IPC program. More information about the IPC program is available here.
Illinois Producer Tool Box
Information and resources for Producers in Illinois is now available. Please view our Producer Tool Box here.
An important component of the Health Benefits Exchange planning process was the identification of the Essential Health Benefits (EHB) that will be included in all plans sold inside and outside of the exchange. The state of Illinois has recommended an EHB benchmark plan to the federal government and awaits approval from the Secretary of the Department of Health and Human Services.
On November 16, 2012 the state of Illinois submitted a Blueprint Application to the federal government. The Blueprint is meant to be an evolving, procedural document that details the workflow within and between agencies of state government related to implementation of the exchange during our partnership year. As the partnership progresses and the state of Illinois continues to work towards a state-based exchange, the document will be amended. The state also submitted a Declaration Letter as required by the federal government that is available here.
Illinois Health Benefits Exchange Law
On July 14, 2011, Governor Quinn signed Public Act 97-0142, the Illinois Health Benefits Exchange Law. This legislation, effective immediately, enables Illinois to establish its own health insurance exchange for individuals and businesses with 50 or fewer employees. Additional legislation to establish governance and financing structure of the Exchange in Illinois is currently being assessed in the Illinois General Assembly.
The Illinois Health Benefits Exchange Law also called for the creation of a 12-member Legislative Study Committee. This Committee was charged with issuing a report to the General Assembly and the Governor on the establishment of the Illinois Health Benefits Exchange. The final report was issued on October 18, 2011.
ACA Fact Sheet
Illinois Marketplace Small Business and the ACA Fact Sheet
Health Insurance Plans and the Marketplace
Federal Planning and Establishment Grants
Illinois has been awarded the following grants by HHS to assist in planning and implementing the health insurance exchange in Illinois.
Exchange Planning Grant
· Illinois Application
· Quarter 1 Grant Report to HHS
· Quarter 2 Grant Report to HHS
· Quarter 3 Grant Report to HHS
· Quarter 4 Grant Report to HHS
Cooperative Agreement to Support Establishment of State-Operated Health Insurance Exchanges
· Illinois Level 1 Exchange Establishment Grant Application - Project Narrative
· Illinois Level 1 Exchange Establishment Grant Application - Work plan and Timeline
**NOTE: This work plan and timeline is an evolving document that will continue to be modified over time as the State's planning shifts with emerging needs.
Exchange Level 1 Phase 3 Project Narrative - April 8, 2013
Illinois Department of Insurance
Department of Insurance Webinar on Health Insurance Exchange
Comments on the Health Benefits Exchange
Proposed Governance and Financing
Illinois Exchange Strategic and Operational Needs Assessment
Review of the Current Illinois Health Coverage Marketplace: Background Research Report
Eligibility System Assessment
Illinois Exchange Declaration Letter
Illinois Exchange Financing Options Report
Illinois Risk Adjustment and Reinsurance Workplan
Illinois Health Insurance Marketplace Outreach and Education Plan
Marketplace Marketing and Outreach Campaign Request for Proposals
National Association of Insurance Commissioners (NAIC) Glossary of Insurance Terms
Healthcare.gov: The “Find Insurance Options” section helps individuals who are looking for insurance now sort through options.Kaiser Family Foundation: Check out the “Exchange Monitor” and see how other states are moving forward with exchange planning.