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INDIVIDUAL & FAMILY

Make the Most of Your Health Plan Savings in 2026

Health insurance is important — so is your budget. Learn if you could pay less for your Blue Cross and Blue Shield of Illinois coverage, even if your premium tax credit eligibility changes.

Little girl sitting on the floor putting coins into a piggy bank.
Young couple sitting on the couch and comparing health insurance bils.

PREMIUM TAX CREDITS

Tax Credits for Your Monthly Bill

A premium tax credit is offered by the government and based on things like your income and family size. If you're eligible, it can help you pay less on your monthly bill. Use our shopping platform to learn if you qualify and apply your savings:

  • Enter your ZIP code on our shopping platform
  • When prompted, choose to find out if you qualify for a subsidy
  • Enter your information and continue enrolling to apply it to your plan

You'll be able to check your 2026 premium tax credits when Open Enrollment begins on Nov. 1.

Find Your Savings

Affordable Care

Lowering Your Cost of Care

Even if your premium tax credit savings change in 2026, you may still have ways to make your health care more affordable. Learn how using in-network care, taking advantage of preventive care and opting in to wellness programs could help you save.

Learn How
 
Young boy getting his heartbeat checked during a primary care physician appointment.

COST SHARING REDUCTION

Save on Out-of-Pocket Costs

Cost sharing reduction, or CSR, is a discount that helps you pay less on out-of-pocket costs like copays, deductibles and coinsurance. Learn if you qualify for a CSR when you get your premium tax credit estimate.

Please note, you’ll need to enroll in a Silver level plan to apply CSR savings.

Check Your Eligibility
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ICHRA

Get Reimbursed Through Your Job

An Individual Coverage Health Reimbursement Arrangement, or ICHRA, is a reimbursement offered through your job to help cover the cost of your insurance. When you're shopping for BCBSIL insurance, you'll have the chance to enter an ICHRA balance if you have one.

If your job doesn’t have health insurance as a benefit, ask HR if they offer ICHRA. 

Learn More