Ambetter Health Insurance Plans in Moline, Illinois
- Ambetter is one of 5 carriers offering health insurance plans on GetCoveredIllinois in Moline's Rating Area 6 for 2026.
- Moline residents can choose from HMO, EPO, and PPO plan types, with subsidies available based on income.
- Illinois Medicaid covers adults up to 138% FPL, pregnant women up to 213% FPL, and children up to 313% FPL.
- Moline, with a population of 42,197, has an uninsured rate of 7.6% per U.S. Census Bureau ACS 2024 5-year estimates.
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What Ambetter Plans Are Available in Moline?
In 2026, Ambetter is among the 5 health insurance carriers providing marketplace plans in Rating Area 6, which covers Moline and the broader Rock Island County area. Illinois' marketplace, GetCoveredIllinois, offers a range of plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. This means Moline residents have a comprehensive selection, and you are not limited to HMO or EPO options only, as PPO plans are indeed available on-exchange in Illinois. Ambetter plans typically fall into the standard metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs:- Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for individuals who want protection against catastrophic medical costs.
- Silver Plans: Offering a moderate balance of premiums and out-of-pocket costs, Silver plans are particularly valuable for those who qualify for cost-sharing reductions (CSRs). CSRs can significantly lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a strong value for eligible individuals and families.
- Gold Plans: With higher monthly premiums than Bronze or Silver, Gold plans come with lower deductibles and out-of-pocket maximums. They are suitable for individuals who anticipate needing more frequent medical care throughout the year.
Understanding Your Eligibility and Financial Assistance in Moline
Many Moline residents qualify for financial assistance to make Ambetter plans more affordable. These subsidies are available through GetCoveredIllinois and are based on your household income relative to the Federal Poverty Level (FPL).| Income Level (as % FPL) | Potential Assistance | Key Benefit |
|---|---|---|
| Up to 138% FPL (e.g., ~$20,120 for a single person) | Illinois Medicaid | Comprehensive, low-cost coverage with no premiums for eligible adults. |
| 100% - 400% FPL (e.g., ~$14,580 - $58,320 for a single person) | Premium Tax Credits | Lowers your monthly health insurance premium. |
| 100% - 250% FPL (e.g., ~$14,580 - $36,450 for a single person) | Cost-Sharing Reductions (CSRs) | Reduces deductibles, copayments, and out-of-pocket maximums on Silver plans. |
| Pregnant Women up to 213% FPL | Illinois Medicaid for Pregnant Women | Extensive prenatal, delivery, and 12-month postpartum care. |
| Children up to 313% FPL | Illinois All Kids (CHIP equivalent) | Low-cost comprehensive health coverage for children. |
Health Insurance Carriers in Moline
For 2026, 5 carriers offer marketplace plans in Rating Area 6, which covers Bureau, DeKalb, Henry, Kendall, LaSalle, Marshall, Mercer, Putnam, Rock Island, Stark counties. Moline, located in Rock Island County, benefits from this selection of providers on GetCoveredIllinois. The confirmed carriers for Rating Area 6 are:- Ambetter
- Blue Cross and Blue Shield of Illinois
- Molina Healthcare
- Oscar Health
- United Healthcare
How to Enroll in Ambetter Health Insurance in Moline
Enrolling in an Ambetter plan or any other marketplace plan in Moline involves a few key steps:- Visit GetCoveredIllinois: This is the official state-based marketplace where you can compare all available plans, including Ambetter, and determine your eligibility for financial assistance.
- Provide Accurate Information: You will need to provide details about your household income, family size, and other relevant information to get an accurate subsidy determination.
- Compare Plans: Review the plan details for each Ambetter option, paying close attention to premiums, deductibles, copayments, out-of-pocket maximums, and the provider network. Consider which metal tier (Bronze, Silver, Gold) aligns with your anticipated healthcare usage.
- Check Provider Networks: Ensure that your preferred doctors, specialists, and local hospitals like Genesis Health System DBA Genesis Medical Center-Illini or Trinity Rock Island are included in the network of the Ambetter plan you are considering.
- Complete Enrollment: Once you have chosen a plan, you can complete the enrollment process directly through GetCoveredIllinois.
Frequently Asked Questions
Is Ambetter a good health insurance plan in Moline?
Ambetter offers a range of ACA-compliant plans in Moline, providing essential health benefits and access to subsidies. The "best" plan depends on your individual health needs, financial situation, and preferred doctors/hospitals. It's recommended to compare Ambetter's specific offerings with other carriers on GetCoveredIllinois to find the best fit for you.
Can I keep my current doctor with an Ambetter plan in Moline?
Ambetter plans operate with specific provider networks. To determine if your current doctor or healthcare facility, such as Genesis Health System DBA Genesis Medical Center-Illini or Trinity Rock Island, is in-network, you should check the plan's provider directory before enrolling. This information is typically available on the Ambetter website or through GetCoveredIllinois.
What is the enrollment period for Ambetter plans in Moline?
The primary time to enroll in or change Ambetter health insurance plans is during the annual Open Enrollment Period, which typically runs from November 1 to January 15 for coverage starting the following year. However, you may qualify for a Special Enrollment Period outside of this window if you experience a qualifying life event, such as moving to Moline, getting married, having a baby, or losing other coverage.
What if my income is too low for subsidies but too high for Medicaid in Moline?
Illinois expanded Medicaid, so adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. This means there is no "coverage gap" for adults in Illinois between Medicaid eligibility and marketplace subsidy eligibility. If your income is above 138% FPL, you should qualify for significant premium tax credits on GetCoveredIllinois.