What are the health insurance options for self-employed roofing contractors in Lombard?

Self-employed roofing contractors in Lombard can access health insurance through GetCoveredIllinois (the state marketplace), directly from private carriers, or potentially through Illinois Medicaid if their income qualifies. Short-term plans are also an option for temporary coverage.

Can I get a PPO health insurance plan on GetCoveredIllinois in Lombard?

Yes, PPO plans are available on-exchange in Illinois. In Lombard, which is part of Rating Area 2, you can choose from HMO, EPO, and PPO plan types offered by carriers like Blue Cross and Blue Shield of Illinois through GetCoveredIllinois.

What income level qualifies a Lombard roofing contractor for Illinois Medicaid?

Adults in Illinois, including self-employed roofing contractors in Lombard, may qualify for Illinois Medicaid if their income is up to 138% of the Federal Poverty Level (FPL). You can apply for Illinois Medicaid through ABE (abe.illinois.gov).

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

Health Insurance for Roofing Contractors in Lombard, Illinois

Self-employed roofing contractors in Lombard, IL, can find subsidized health plans through GetCoveredIllinois.
In 2026, 5 carriers offer marketplace plans in Rating Area 2, which covers DuPage and Kane counties.
Illinois expanded Medicaid, making adults with income up to 138% FPL eligible for comprehensive, low-cost coverage.
The average monthly premium for a Silver plan in Lombard for a 40-year-old before subsidies is approximately $550–$650.

For self-employed roofing contractors in Lombard, Illinois, securing comprehensive health insurance is a critical business and personal decision. Unlike employees who might receive benefits through an employer, independent contractors are responsible for finding and funding their own coverage. The good news is that Illinois offers several robust options, including the state-based marketplace, GetCoveredIllinois, where subsidies can significantly lower costs, and expanded Medicaid for those with lower incomes. Understanding these pathways is key to finding a plan that fits your needs and budget.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Health Insurance Options Are Available to Self-Employed Contractors in Lombard?

As a self-employed roofing contractor in Lombard, your primary health insurance options fall into a few key categories, each with distinct benefits and eligibility requirements. The most common and often most cost-effective route is through GetCoveredIllinois, the state's official health insurance marketplace. Here, you can access plans that comply with the Affordable Care Act (ACA) and potentially qualify for federal subsidies (Premium Tax Credits and Cost-Sharing Reductions) based on your income. Beyond the marketplace, you can also explore private health insurance plans purchased directly from carriers or through an independent broker. These plans may offer different network structures or benefits, but they do not qualify for ACA subsidies. For individuals and families with lower incomes, Illinois Medicaid provides comprehensive, no-cost or low-cost health coverage, as Illinois is a Medicaid expansion state. Finally, short-term health insurance plans can serve as a temporary bridge for unexpected gaps in coverage, though they do not offer the same consumer protections or comprehensive benefits as ACA-compliant plans.

Navigating GetCoveredIllinois for Roofing Contractors

GetCoveredIllinois is the go-to resource for individual and family health insurance in Lombard. As a self-employed individual, you'll apply through this platform to determine your eligibility for financial assistance. The marketplace organizes plans into metal tiers: Bronze, Silver, Gold, and Platinum, reflecting the percentage of healthcare costs the plan covers versus what you pay out-of-pocket. Bronze plans: Offer lower monthly premiums but higher deductibles and out-of-pocket maximums. They cover 60% of costs on average, with you paying 40%. Silver plans: Balance premiums and out-of-pocket costs, covering 70% of costs on average (you pay 30%). These plans are the only ones eligible for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and out-of-pocket maximums for those who qualify based on income. Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs, covering 80% of costs on average (you pay 20%). Platinum plans: Have the highest premiums but the lowest out-of-pocket costs, covering 90% of costs on average (you pay 10%). For many self-employed individuals, Silver plans, particularly with CSRs, offer the best value. In Illinois, you can choose from various plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Blue Cross and Blue Shield of Illinois, for example, offers PPO plans on-exchange in Illinois, providing more flexibility in provider choice.

Illinois Medicaid Eligibility for Self-Employed Individuals

Illinois is a Medicaid expansion state, meaning that more adults, including self-employed roofing contractors, can qualify for coverage. Adults with an income up to 138% of the Federal Poverty Level (FPL) are eligible for Illinois Medicaid. For a single individual in 2026, this threshold would be approximately $20,780 annually. For a family of three, it would be around $35,220. If your income falls within these guidelines, Illinois Medicaid offers comprehensive health benefits with little to no out-of-pocket costs. This includes doctor visits, hospital stays, prescription drugs, mental health services, and more. Pregnant women in Illinois have an even higher eligibility threshold, up to 213% FPL, and children can qualify for Illinois All Kids (CHIP equivalent) up to 313% FPL. Applying for Illinois Medicaid can be done through ABE (abe.illinois.gov) or by calling the Department of Human Services (DHS) helpline.

Health Insurance Carriers in Lombard

Lombard, located in DuPage County, is part of Illinois Rating Area 2. In 2026, 5 carriers offer marketplace plans in Rating Area 2, which covers DuPage and Kane counties. These carriers provide a range of plan types, including HMO, EPO, and PPO options, to residents through GetCoveredIllinois. The confirmed carriers offering plans in this area include:

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

When selecting a plan, consider not only the premium but also the network of doctors and hospitals, deductibles, copayments, and the overall out-of-pocket maximum. While DuPage County does not have any acute care hospitals within its boundaries, residents often travel to neighboring counties for acute medical services. It is important to ensure your chosen plan's network includes accessible facilities and specialists.

Making the Right Health Insurance Decision for Your Roofing Business

Choosing the right health insurance plan as a self-employed roofing contractor in Lombard involves evaluating your health needs, financial situation, and risk tolerance. Here's a decision-making framework:

If your income is below 138% FPL: You likely qualify for Illinois Medicaid, which provides comprehensive coverage with minimal costs. Apply directly through ABE (abe.illinois.gov).
If your income is between 100% and 400% FPL: You are eligible for Premium Tax Credits through GetCoveredIllinois, which can significantly reduce your monthly premiums. If your income is also below 250% FPL, you may qualify for Cost-Sharing Reductions on Silver plans, lowering your out-of-pocket costs.
If your income is above 400% FPL: You can still purchase an ACA-compliant plan through GetCoveredIllinois or directly from a private carrier. While you won't qualify for subsidies, you'll benefit from the consumer protections of ACA plans.
For temporary coverage needs: Short-term health insurance plans can offer quick, albeit less comprehensive, coverage. These are generally not recommended as a long-term solution due to their limitations.

Lombard, Illinois, with a population of 43,619 and a median income of $100,362 (per U.S. Census Bureau ACS 2024 5-year estimates), has a relatively low uninsured rate of 4.8%. This suggests that many residents are successfully navigating their health insurance options. Working with a licensed health insurance producer can simplify this process, helping you compare plans, understand subsidies, and enroll in coverage that meets your specific needs without any additional cost to you.

Frequently Asked Questions

What are Premium Tax Credits and how do they help self-employed contractors?

Premium Tax Credits are federal subsidies that reduce your monthly health insurance premiums. If your income is between 100% and 400% of the Federal Poverty Level, you may qualify for these credits when purchasing a plan through GetCoveredIllinois, making health coverage more affordable for self-employed individuals.

Can I deduct health insurance premiums as a self-employed roofing contractor?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can generally deduct the premiums you pay for health insurance (including dental and long-term care insurance) from your gross income. This is known as the self-employed health insurance deduction.

What if I have pre-existing conditions? Will I be denied coverage?

No. Under the Affordable Care Act, health insurance plans sold through GetCoveredIllinois or directly from carriers (if they are ACA-compliant) cannot deny you coverage or charge you more based on pre-existing conditions. This protection applies to all ACA plans.