Updated July 2026 · IllinoisPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Blue Cross and Blue Shield of Illinois Health Insurance in Aurora

Blue Cross and Blue Shield of Illinois is one of 5 carriers offering health plans on GetCoveredIllinois in Aurora's Rating Area 2.
Marketplace plans from Blue Cross and Blue Shield of Illinois in Aurora include HMO, EPO, and PPO options, with PPOs available on-exchange.
Individuals with incomes up to 400% FPL may qualify for subsidies to significantly lower premiums for Blue Cross and Blue Shield of Illinois plans.
Aurora, with a population of 179,898, has an uninsured rate of 9.8% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Aurora, Illinois, means understanding how to access comprehensive and affordable coverage, especially through carriers like Blue Cross and Blue Shield of Illinois. As a resident of Aurora, you have access to a variety of plans offered on GetCoveredIllinois, the state's official health insurance marketplace. Blue Cross and Blue Shield of Illinois is a prominent provider in Rating Area 2, which covers Kane and DuPage counties, offering plans that may be eligible for federal subsidies to reduce your monthly costs. Whether you are looking for an HMO, EPO, or PPO plan, the Illinois marketplace provides options designed to fit different healthcare needs and budgets.

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What Blue Cross and Blue Shield of Illinois Plans Are Available in Aurora?

In Aurora, Blue Cross and Blue Shield of Illinois offers a range of health insurance plans through GetCoveredIllinois. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each providing different levels of coverage and cost-sharing. Illinois is an SBM (state-based marketplace) state, and PPO plans are available on-exchange, giving consumers in Aurora more flexibility in choosing their healthcare providers compared to states where PPOs are limited to off-exchange options. All plans offered by Blue Cross and Blue Shield of Illinois through the marketplace must cover the ten essential health benefits, including prescription drugs, maternity care, mental health services, and preventative care. The specific plan types available from Blue Cross and Blue Shield of Illinois in Aurora include:

Health Maintenance Organization (HMO) Plans: Typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists.
Exclusive Provider Organization (EPO) Plans: Offer a network of doctors and hospitals, but generally do not require a PCP referral for specialists, though out-of-network care is usually not covered (except for emergencies).
Preferred Provider Organization (PPO) Plans: Provide the most flexibility, allowing you to see any doctor or specialist without a referral, both in-network and out-of-network, though out-of-network care will cost more. Blue Cross and Blue Shield of Illinois offers PPO plans on the Illinois marketplace.

Understanding these distinctions is key to selecting a plan that aligns with your healthcare preferences and financial situation.

How Do Subsidies Affect Blue Cross and Blue Shield of Illinois Plan Costs in Aurora?

Many Aurora residents may qualify for financial assistance, known as subsidies, to help make Blue Cross and Blue Shield of Illinois plans more affordable. These subsidies are available through GetCoveredIllinois and can significantly reduce your monthly premiums and out-of-pocket costs. The amount of subsidy you receive is based on your household income relative to the Federal Poverty Level (FPL).

Household Income (as % FPL)	Potential Financial Assistance
Below 138% FPL	Potentially eligible for Illinois Medicaid.
138% - 250% FPL	Eligible for significant premium tax credits and Cost-Sharing Reductions (CSRs) on Silver plans.
251% - 400% FPL	Eligible for premium tax credits, which can still substantially lower monthly premiums.
Above 400% FPL	May qualify for premium tax credits, especially if premiums exceed 8.5% of household income, due to Enhanced ACA subsidies.

For example, an individual in Aurora earning $35,000 per year (approximately 250% FPL) could see their monthly premiums for a Blue Cross and Blue Shield of Illinois Silver plan reduced by hundreds of dollars, and also benefit from lower deductibles, copayments, and out-of-pocket maximums through CSRs.

Health Insurance Carriers in Aurora

In 2026, 5 carriers offer marketplace plans in Rating Area 2, which covers DuPage, Kane counties, including Aurora. These carriers provide a competitive landscape for health insurance options on GetCoveredIllinois, allowing residents to compare plans and find the best fit. The confirmed local carriers for Aurora's Rating Area 2 are:

Ambetter
Blue Cross and Blue Shield of Illinois
Molina Healthcare
Oscar Health
United Healthcare

Blue Cross and Blue Shield of Illinois is a significant presence among these options, offering a variety of HMO, EPO, and PPO plans. Aurora, with a population of 179,898 and a median income of $93,633, per U.S. Census Bureau ACS 2024 5-year estimates, is served by this diverse group of insurers. Kane County, where Aurora is located, has 5 acute care hospitals, including Copley Memorial Hospital and Presence Mercy Medical Center, both situated in Aurora. These local healthcare facilities are often part of the networks offered by the marketplace carriers.

Choosing the Right Blue Cross and Blue Shield of Illinois Plan in Aurora

Selecting the right Blue Cross and Blue Shield of Illinois plan in Aurora involves considering your healthcare needs, budget, and preferred access to doctors and hospitals. Here's a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Illinois Medicaid, which provides comprehensive, low-cost or free healthcare coverage. Apply through ABE (abe.illinois.gov) or call the DHS helpline.
If your income is between 138% and 250% FPL: Consider a Silver plan from Blue Cross and Blue Shield of Illinois. These plans offer the best value because you qualify for both premium tax credits and Cost-Sharing Reductions (CSRs), significantly lowering your out-of-pocket costs when you receive care.
If your income is between 251% and 400% FPL: You're eligible for premium tax credits. Compare Bronze, Silver, and Gold plans from Blue Cross and Blue Shield of Illinois. Bronze plans have lower premiums but higher deductibles, while Gold plans have higher premiums but lower out-of-pocket costs.
If your income is above 400% FPL: You may still qualify for premium tax credits, especially if the cost of a benchmark Silver plan exceeds 8.5% of your household income. Evaluate all metal tiers, including PPO options from Blue Cross and Blue Shield of Illinois, to find a balance between premium and deductible.

A licensed health insurance producer can provide personalized guidance, helping you compare Blue Cross and Blue Shield of Illinois plans and ensure you maximize any available subsidies, all at no cost to you.

Frequently Asked Questions

Can I get Blue Cross and Blue Shield of Illinois through GetCoveredIllinois?

Yes, Blue Cross and Blue Shield of Illinois is one of 5 carriers offering plans on the GetCoveredIllinois marketplace in Rating Area 2, which includes Aurora. You can enroll in their plans and may qualify for subsidies to help lower your monthly premiums and out-of-pocket costs.

What types of plans does Blue Cross and Blue Shield of Illinois offer in Aurora?

Blue Cross and Blue Shield of Illinois offers a variety of plan types in Aurora, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Illinois, giving you more flexibility in choosing providers.

What income level qualifies for Illinois Medicaid in Aurora?

In Illinois, adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. For pregnant women, the threshold is higher, up to 213% FPL, and children can qualify for Illinois All Kids (CHIP) up to 313% FPL. These are some of the most expansive thresholds in the country.

Are there hospitals in Aurora that accept Blue Cross and Blue Shield of Illinois?

Yes, major healthcare providers in Kane County, where Aurora is located, typically accept Blue Cross and Blue Shield of Illinois plans. Copley Memorial Hospital and Presence Mercy Medical Center, both in Aurora, are among the 5 acute care hospitals in Kane County that serve residents with BCBSIL coverage.