Blue Cross and Blue Shield of Illinois Health Insurance in Moline, IL

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

Navigating health insurance options in Moline, Illinois, often begins with understanding available carriers and plan types. Blue Cross and Blue Shield of Illinois is a prominent provider in the state, offering a range of health insurance plans through GetCoveredIllinois, the official state-based marketplace. Unlike some states, Illinois allows marketplace shoppers in Moline to choose from HMO, EPO, and PPO plans, with Blue Cross and Blue Shield of Illinois specifically offering PPO options on-exchange. This flexibility means you can find a plan that balances network access, cost, and provider choice. For those with lower incomes, Illinois also offers expansive Medicaid and CHIP programs, covering adults up to 138% FPL and children up to 313% FPL.

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

In Moline, Blue Cross and Blue Shield of Illinois provides a variety of health insurance plans on the GetCoveredIllinois marketplace. These include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. The availability of PPO plans on-exchange through Blue Cross and Blue Shield of Illinois is a significant advantage for Moline residents, offering broader network access compared to HMO and EPO plans which typically require you to stay within a more defined network of doctors and hospitals. When selecting a plan, consider your preferred doctors, hospitals like Genesis Medical Center-Illini in Silvis or Trinity Rock Island, and your budget for premiums, deductibles, and out-of-pocket maximums.

Understanding Plan Tiers and Costs

ACA plans, including those from Blue Cross and Blue Shield of Illinois, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs, not the quality of care.
Metal Tier Average Cost Share Best For
Bronze Plan pays 60%, you pay 40% Lowest premiums, high deductibles. Good for healthy individuals who rarely see a doctor or want catastrophic coverage.
Silver Plan pays 70%, you pay 30% Moderate premiums and deductibles. Eligible for Cost-Sharing Reductions (CSRs) if income qualifies, making it an excellent value for many.
Gold Plan pays 80%, you pay 20% Higher premiums, lower deductibles. Good for those with regular medical needs who want more predictable costs.
Platinum Plan pays 90%, you pay 10% Highest premiums, lowest deductibles. Offers the most comprehensive coverage before meeting the deductible.
For Moline residents, Silver plans are particularly important. If your household income falls between 100% and 250% of the Federal Poverty Level, you may qualify for Cost-Sharing Reductions (CSRs) in addition to premium tax credits. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans a much better value than even Gold plans for eligible individuals.

Health Insurance Carriers in Moline

Moline, located in Rock Island County, is part of Illinois Rating Area 6. This rating area covers 10 counties in total, including Bureau, DeKalb, Henry, Kendall, LaSalle, Marshall, Mercer, Putnam, Rock Island, and Stark counties. In 2026, 5 carriers offer marketplace plans in Rating Area 6, providing competitive options for residents. The confirmed health insurance carriers serving Moline and Rating Area 6 for the 2026 plan year are: These carriers offer a range of plan types, including HMOs, EPOs, and PPOs, through GetCoveredIllinois. When comparing plans, consider not only the monthly premium but also the deductible, copayments, coinsurance, and the maximum out-of-pocket costs. It is also crucial to verify that your preferred doctors and any necessary specialists are in the network of the plan you choose.

Qualifying for Subsidies and Medicaid in Moline

Affordable Care Act (ACA) subsidies are crucial for making health insurance affordable for many Moline residents. These subsidies, known as Premium Tax Credits, reduce your monthly premium. Eligibility is based on your household income relative to the Federal Poverty Level (FPL).

Income Thresholds for Assistance

Assistance Type Income Threshold (as % FPL) Details for Moline, IL
Illinois Medicaid (Adults) Up to 138% FPL Illinois expanded Medicaid in 2014. Adults with income up to 138% FPL may qualify for comprehensive, low-cost coverage.
Cost-Sharing Reductions (CSRs) 100% to 250% FPL Reduces deductibles, copays, and out-of-pocket maximums on Silver plans. Only available through GetCoveredIllinois.
Premium Tax Credits Above 100% FPL (no upper limit for 2026) Lowers monthly premiums. Eligibility is based on household income, with no income cap for 2026 if premiums exceed 8.5% of income.
Illinois Medicaid (Pregnant Women) Up to 213% FPL One of the highest thresholds in the country, providing comprehensive prenatal, delivery, and 12 months postpartum care.
Illinois All Kids (CHIP) Up to 313% FPL Low-cost health coverage for children, one of the most expansive child coverage programs nationally.
Rock Island County, where Moline is located, has a population of 142,757 with a median household income of $67,159. The city of Moline itself has a population of 42,197, a median income of $67,701, and a poverty rate of 15.5%, per U.S. Census Bureau ACS 2024 5-year estimates. These figures indicate that many residents may be eligible for significant financial assistance. The uninsured rate in Moline stands at 7.6%, highlighting the need for accessible and affordable health insurance options. To apply for Illinois Medicaid or Illinois All Kids, you can visit ABE (abe.illinois.gov) or call the DHS helpline. For marketplace plans and subsidies, apply through GetCoveredIllinois.

Hospitals and Healthcare in Rock Island County

Access to quality healthcare facilities is a key consideration when choosing a health insurance plan. Moline residents rely on the hospitals within Rock Island County for acute care. The two main acute care hospitals in the county are: When selecting a Blue Cross and Blue Shield of Illinois plan, particularly an HMO or EPO, it is important to confirm that these local hospitals and your preferred primary care physicians are within the plan's network. PPO plans typically offer more flexibility to see out-of-network providers, though often at a higher cost.

Next Steps for Moline Residents

Finding the right health insurance in Moline involves assessing your needs, understanding your eligibility for financial assistance, and comparing plans from carriers like Blue Cross and Blue Shield of Illinois.
Your Situation Recommended Action
Income below 138% FPL (adult) Apply for Illinois Medicaid through ABE (abe.illinois.gov).
Pregnant, income below 213% FPL Apply for Illinois Medicaid for Pregnant Women.
Child, income below 313% FPL Apply for Illinois All Kids (CHIP).
Income between 100-250% FPL Explore Silver plans on GetCoveredIllinois to maximize Cost-Sharing Reductions and Premium Tax Credits.
Income above 250% FPL Compare Bronze, Silver, and Gold plans on GetCoveredIllinois, focusing on Premium Tax Credits to lower your monthly cost.
New to Moline or Illinois Check if you qualify for a Special Enrollment Period due to a recent move.
A licensed health insurance producer can provide personalized guidance, help you compare plans, and assist with the enrollment process on GetCoveredIllinois, all at no cost to you.

Frequently Asked Questions

Can I get Blue Cross and Blue Shield of Illinois PPO plans on GetCoveredIllinois?
Yes, Blue Cross and Blue Shield of Illinois offers PPO plans directly through GetCoveredIllinois, the state's official health insurance marketplace. This provides Moline residents with greater flexibility compared to states where PPOs are only available off-exchange.
What are the income limits for Illinois Medicaid in Moline?
In Moline, adults can qualify for Illinois Medicaid with household incomes up to 138% of the Federal Poverty Level (FPL). For pregnant women, the threshold is significantly higher, at 213% FPL, and children can qualify for Illinois All Kids (CHIP) up to 313% FPL.
How many health insurance carriers offer plans in Moline's rating area?
For the 2026 plan year, Moline residents in Rating Area 6 have access to marketplace plans from 5 confirmed health insurance carriers. These include Blue Cross and Blue Shield of Illinois, Ambetter, Molina Healthcare, Oscar Health, and United Healthcare.
Is Moline part of HealthCare.gov?
No, Moline is not part of HealthCare.gov. Illinois operates its own state-based marketplace called GetCoveredIllinois. Moline residents should use GetCoveredIllinois to explore plans, apply for subsidies, and enroll in coverage.
What is the uninsured rate in Moline, Illinois?
According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Moline, Illinois, is 7.6%. This figure is slightly higher than the uninsured rate for Rock Island County, which stands at 6.1%.

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