Health Insurance in Greene County, Illinois

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

In 2026, 5 carriers offer marketplace plans in Illinois Rating Area 7, which includes Greene County.
Illinois expanded Medicaid in 2014, making adults with incomes up to 138% of the Federal Poverty Level eligible for coverage.
Marketplace plans in Greene County include HMO, EPO, and PPO options, with PPOs available on-exchange through carriers like Blue Cross and Blue Shield of Illinois.
Greene County has no acute care hospitals within its borders, requiring residents to seek care in neighboring counties.

Finding affordable health insurance in Greene County, Illinois, is primarily done through GetCoveredIllinois, the state's official health insurance marketplace. Here, individuals and families can compare a variety of plans, determine their eligibility for financial assistance like premium tax credits and cost-sharing reductions, and enroll in coverage. Illinois has expanded its Medicaid program, providing a crucial safety net for residents with lower incomes, including pregnant women and children who qualify at significantly higher income thresholds.

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 Are Your Health Insurance Options in Greene County?

Residents of Greene County have several pathways to securing health coverage, largely depending on their household income and family situation. The primary options include plans available through GetCoveredIllinois and Illinois Medicaid.

GetCoveredIllinois: Individual and Family Plans

GetCoveredIllinois serves as the marketplace where you can find individual and family health insurance plans that comply with the Affordable Care Act (ACA). All plans offered here cover essential health benefits, pre-existing conditions, and preventive care at no extra cost.

Financial Assistance: Many Greene County residents qualify for subsidies that significantly reduce monthly premiums (Advance Premium Tax Credits) and out-of-pocket costs (Cost-Sharing Reductions). Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL).
Plan Types: In Illinois, marketplace shoppers can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some other states, PPO plans are available on-exchange in Illinois, with carriers like Blue Cross and Blue Shield of Illinois offering them. This provides greater flexibility in choosing healthcare providers.
Enrollment Periods: Enrollment typically occurs during the annual Open Enrollment Period, but you may qualify for a Special Enrollment Period if you experience a qualifying life event such as marriage, birth of a child, or loss of other coverage.

Illinois Medicaid: Low-Cost or Free Coverage

Illinois expanded its Medicaid program in 2014, offering comprehensive health coverage to a broader range of low-income adults.

Adult Eligibility: Adults in Greene County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. This means that if your income is between 100% and 138% FPL, you are likely eligible for Medicaid, not a marketplace subsidy.
Pregnant Women and Children: Illinois has one of the most expansive coverage programs for pregnant women and children. Pregnant women with incomes up to 213% FPL are eligible for Illinois Medicaid, which includes prenatal care, labor, delivery, and 12 months of postpartum care. Children can receive low-cost coverage through Illinois All Kids (the state's CHIP equivalent) with household incomes up to 313% FPL.
How to Apply: You can apply for Illinois Medicaid through the Application for Benefits Eligibility (ABE) website at abe.illinois.gov or by calling the Illinois Department of Human Services (DHS) helpline.

Health Insurance Carriers in Greene County

For the 2026 plan year, residents of Greene County, which is part of Illinois Rating Area 7, have options from multiple health insurance carriers on GetCoveredIllinois. In 2026, 5 carriers offer marketplace plans in Rating Area 7, which covers Adams, Bond, Brown, Calhoun, Cass, Champaign, Clinton, Fulton, Greene, Hancock, Henderson, Jersey, Knox, Logan, Macoupin, Madison, Mason, McDonough, McLean, Menard, Morgan, Peoria, Pike, Sangamon, Schuyler, Scott, St. Clair, Tazewell, Warren, and Woodford counties. The confirmed carriers for Greene County and Rating Area 7 are:

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

These carriers offer a range of plan types and metal tiers (Bronze, Silver, Gold), allowing residents to choose coverage that best fits their healthcare needs and budget.

Understanding Greene County's Healthcare Landscape

Greene County, with a population of 11,683 and a median age of 43.4 years per U.S. Census Bureau ACS 2024 5-year estimates, presents a unique healthcare landscape. The county's uninsured rate stands at 4.1%, which is lower than the state average, alongside a poverty rate of 14.3% and a median income of $62,192. A key aspect of healthcare access in Greene County is the absence of acute care hospitals within its boundaries. Residents needing hospital-level care typically travel to neighboring counties for services. This reality makes robust health insurance coverage even more critical for managing travel costs and ensuring access to necessary medical facilities outside the immediate area.

Finding the Right Health Plan for Your Needs

Choosing the best health insurance plan in Greene County involves evaluating your healthcare needs, budget, and eligibility for financial assistance.

If your income is below 138% FPL: You will likely qualify for Illinois Medicaid, offering comprehensive coverage with minimal or no out-of-pocket costs.
If your income is between 100% and 400% FPL: You are likely eligible for significant premium tax credits on GetCoveredIllinois. Consider Silver plans, as those with incomes up to 250% FPL may also qualify for Cost-Sharing Reductions, lowering deductibles, copayments, and out-of-pocket maximums.
If your income is above 400% FPL: You can still purchase plans through GetCoveredIllinois at full price or explore off-exchange options directly from carriers.

Regardless of your income, a licensed health insurance agent can provide personalized guidance, helping you compare plans from Ambetter, Blue Cross and Blue Shield of Illinois, Molina Healthcare, Oscar Health, and United Healthcare to find the coverage that best suits your family's needs.

Frequently Asked Questions

How do I apply for health insurance in Greene County?

You can apply for individual and family health insurance plans through GetCoveredIllinois, the state's official health insurance marketplace. You can also explore coverage options directly with a licensed insurance agent who can help you compare plans and determine your eligibility for financial assistance.

What types of health plans are available in Greene County?

In Greene County, you can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans on GetCoveredIllinois. PPO plans are offered on-exchange by carriers like Blue Cross and Blue Shield of Illinois, providing more flexibility in choosing providers.

Can I get Medicaid in Greene County, Illinois?

Yes, Illinois expanded its Medicaid program in 2014. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. Pregnant women with incomes up to 213% FPL and children through Illinois All Kids (CHIP equivalent) up to 313% FPL also have extensive coverage options. You can apply through ABE (abe.illinois.gov) or by calling the DHS helpline.

Are there hospitals in Greene County?

Greene County does not have any acute care hospitals within its borders. Residents typically travel to neighboring counties for emergency services, surgeries, and other hospital-based medical care. It is important to ensure your health insurance plan provides coverage for out-of-county facilities if you expect to receive care outside Greene County.