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Clarifying 2026 Rates: What Producers Need to Know

Nov. 5, 2025

As you may have seen, rates for our 2026 plans are publicly available. We understand some rates are different from what may have been expected. We want to assure you the published rates are accurate.

To maintain consistency and avoid confusion, we ask that you rely on the official rate information published on Retail Producer Portal, Get Covered Illinois℠ and IFM Shop and Enroll for off exchange.

In 2026, Illinois mandated Silver Loading. This means:

  • Silver rates are now in line with Platinum plan costs. (Note: BCBSIL does not offer plans at the Platinum level.)
  • Clients with Silver plans will not be impacted by the increases as APTCs move up with the higher Second Lowest Cost Silver rate.
  • Clients with Bronze or Gold plans may save more because the APTCs don’t change.
  • In many cases, Gold may offer better value than Silver when comparing benefits.

Thank you for your help during 2026 Open Enrollment. Your role in providing accurate information is essential.