Special Enrollment: Turning 26

You can add your spouse by updating your plan where you first enrolled:

• If you enrolled directly with us online, visit our shopping platform.
• If you have health care coverage through your job, call your benefits or HR department.

If you don't qualify for Special Enrollment, or you missed your enrollment deadline, you're able to shop again during the Open Enrollment Period beginning Nov. 1.¹

Depending on your income, you may qualify for Medicaid or CHIP. There's no Special Enrollment period for those government offered coverage options – you can apply at any time.

If you're 65+ or have certain disabilities, you may be able to enroll in Medicare.

• Budget: Knowing your monthly budget for health insurance can help you determine which plan you can best afford. Blue Cross Blue Shield of Illinois offers three different levels of coverage:
  • Gold level plans have higher premiums but lower out-of-pocket costs, a good option if you require more medical care than most.
  • Silver level plans balance costs with moderate premiums and out-of-pocket expenses. Plus, you may be eligible for subsidies or other savings opportunities, like cost sharing assistance.
  • Bronze level plans offer lower monthly premiums with higher out-of-pocket costs, ideal for those who need minimal care.

• Coverage Needs: Assess your health care needs—if you visit doctors or specialists often, make sure you choose a plan that fits. Check that your current providers are in-network and that your prescriptions medicines are covered.

After you enroll in a new plan and make your first premium payment, your coverage will begin on the first of the next available month.