Health Insurance in Perry County, Illinois

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

In 2026, 5 carriers offer marketplace health plans in Illinois Rating Area 9, covering Perry County.
Illinois is a Medicaid expansion state, meaning adults with income up to 138% of the Federal Poverty Level may qualify for Illinois Medicaid.
Marketplace shoppers in Perry County can choose from HMO, EPO, and PPO health plan structures.
Perry County has no acute care hospitals within its borders; residents travel to neighboring counties for acute care.
Perry County's uninsured rate is 3.5%, significantly below the national average, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Perry County, Illinois, begins with understanding what's available through GetCoveredIllinois, the state's official health insurance marketplace. Residents of Perry County, part of Illinois Rating Area 9, can choose from a range of Affordable Care Act (ACA) compliant plans offered by multiple carriers, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures. Depending on your household income and family size, you may qualify for significant financial assistance, such as premium tax credits and cost-sharing reductions, to make coverage more affordable. Additionally, Illinois expanded its Medicaid program, providing comprehensive health coverage to eligible adults, pregnant women, and children with incomes up to specific Federal Poverty Level thresholds.

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Understanding Your Health Plan Options in Perry County

For residents of Perry County, securing health insurance primarily involves exploring plans available through GetCoveredIllinois. This state-based marketplace offers a structured way to compare plans, apply for financial assistance, and enroll in coverage. All plans sold on GetCoveredIllinois are required to cover essential health benefits, including doctor visits, prescription drugs, mental health services, and maternity care. Illinois is a Medicaid expansion state, which significantly broadens eligibility for low-income adults. If your household income is up to 138% of the Federal Poverty Level (FPL), you may qualify for Illinois Medicaid, which provides comprehensive coverage with little to no cost. For pregnant women, the income threshold for Illinois Medicaid is even higher, reaching up to 213% FPL, covering prenatal care, labor, delivery, and 12 months of postpartum care. Children in Illinois are covered by Illinois All Kids, the state's Children's Health Insurance Program (CHIP) equivalent, with eligibility extending up to 313% FPL. Applications for these programs can be made through ABE (abe.illinois.gov) or by calling the DHS helpline. For those above Medicaid income limits but still needing assistance, premium tax credits can significantly reduce your monthly insurance premiums, and cost-sharing reductions can lower your out-of-pocket costs like deductibles and copays. These subsidies are available to individuals and families earning between 100% and 400% FPL, and even higher for those spending more than 8.5% of their income on health insurance, thanks to recent federal enhancements.

Health Insurance Carriers in Perry County

In 2026, 5 carriers offer marketplace plans in Illinois Rating Area 9, which encompasses Perry County. This selection provides residents with various choices across different plan types and price points. The confirmed carriers for Perry County's rating area are:

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

When reviewing plans, it is important to consider not only the monthly premium but also the deductible, copayments, coinsurance, and the network of doctors and hospitals associated with each plan. While all plans cover essential health benefits, the specific providers you can see and your out-of-pocket costs will vary.

Cost of Health Insurance in Perry County

The cost of health insurance in Perry County, as with any location, depends on several factors, including your age, household size, chosen plan type (HMO, EPO, PPO), metal tier (Bronze, Silver, Gold, Platinum), and whether you qualify for financial assistance. Perry County's median income is $62,118, and its poverty rate stands at 16.9%, per U.S. Census Bureau ACS 2024 5-year estimates. These figures indicate that many residents may be eligible for significant subsidies to help reduce their healthcare costs. Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal healthcare use. Silver plans offer a balance, and if you qualify for cost-sharing reductions, these subsidies are only available with Silver plans, making them a particularly good value for eligible individuals. Gold and Platinum plans have higher premiums but lower out-of-pocket costs when you need care.

Navigating Healthcare in Perry County

Perry County, part of Illinois Rating Area 9 which covers Alexander, Clay, Edwards, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jasper, Jefferson, Johnson, Lawrence, Marion, Massac, Monroe, Montgomery, Perry, Pope, Pulaski, Randolph, Richland, Saline, Union, Wabash, Washington, Wayne counties, is a rural community with a population of 20,639. While its uninsured rate of 3.5% is notably low per U.S. Census Bureau ACS 2024 5-year estimates, the county faces unique healthcare access challenges as it has no acute care hospitals within its boundaries. Residents needing inpatient care, emergency services, or other acute medical attention typically travel to facilities in neighboring counties within the broader rating area. When selecting a health plan, it is crucial to verify that the plan's network includes the hospitals and doctors you would rely on in nearby communities.

Finding the Right Plan for You in Perry County

Choosing the best health insurance plan in Perry County involves assessing your health needs, financial situation, and preferred access to care.

If your income is below 138% FPL: You likely qualify for comprehensive, low-cost coverage through Illinois Medicaid. Apply directly through ABE (abe.illinois.gov).
If your income is between 100% and 400% FPL (or higher if premiums exceed 8.5% of income): You are eligible for premium tax credits and possibly cost-sharing reductions on GetCoveredIllinois. A Silver plan is often the best value if you qualify for cost-sharing reductions.
If your income is above subsidy thresholds: You can still purchase a plan through GetCoveredIllinois or directly from an insurer. Focus on finding a plan that balances premium costs with your expected out-of-pocket expenses.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage that meets your specific needs and budget, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans are available in Perry County, Illinois?

In Perry County, residents can choose from Affordable Care Act (ACA) compliant health plans including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures through GetCoveredIllinois. These plans are offered by multiple carriers in Illinois Rating Area 9.

What are the income limits for Illinois Medicaid in Perry County?

Illinois expanded its Medicaid program in 2014. Adults in Perry County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. Pregnant women can qualify with incomes up to 213% FPL, and children up to 313% FPL for Illinois All Kids (CHIP equivalent).

Are there hospitals in Perry County, Illinois?

Perry County does not have any acute care hospitals within its geographical boundaries. Residents needing inpatient care, emergency services, or other acute medical attention typically travel to hospitals located in neighboring counties.

How many health insurance carriers offer plans in Perry County?

For the 2026 plan year, 5 health insurance carriers offer marketplace plans in Illinois Rating Area 9, which includes Perry County. These carriers are Ambetter, Blue Cross and Blue Shield of Illinois, Molina Healthcare, Oscar Health, and United Healthcare.