Molina Health Insurance in Collinsville, Illinois

Q: Does Illinois Medicaid cover Collinsville residents?

Yes, Illinois expanded Medicaid in 2014, making it available to adults with household incomes up to 138% of the Federal Poverty Level. Collinsville residents who meet these income criteria may qualify for comprehensive, low-cost coverage through Illinois Medicaid.

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

Molina Healthcare is one of 5 carriers offering marketplace plans in Collinsville's Rating Area 7 for 2026.
Illinois expanded Medicaid in 2014, covering adults with incomes up to 138% of the Federal Poverty Level.
Collinsville's uninsured rate is 5.6%, per U.S. Census Bureau ACS 2024 5-year estimates.
Marketplace shoppers in Illinois can choose from HMO, EPO, and PPO plan structures, with PPOs available on-exchange.

Navigating health insurance options in Collinsville, Illinois, often involves understanding which carriers provide coverage and how to access their plans. Molina Healthcare is a key participant in the Illinois marketplace, offering health insurance plans to residents of Collinsville and the surrounding Madison County area. As a state-based marketplace, Illinois operates GetCoveredIllinois, where individuals and families can compare plans, check eligibility for subsidies, and enroll in coverage. Molina Healthcare provides various options, primarily focusing on Health Maintenance Organization (HMO) plans, which emphasize coordinated care through a primary care provider. Understanding your choices and eligibility for financial assistance is crucial for securing affordable health coverage.

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What Molina Healthcare Plans Are Available in Collinsville?

Molina Healthcare offers a range of individual and family health insurance plans through GetCoveredIllinois for residents of Collinsville. These plans are typically structured as Health Maintenance Organizations (HMOs), meaning you select a primary care provider (PCP) who coordinates your care and provides referrals to specialists within Molina Healthcare's network. For 2026, Molina Healthcare is one of the five confirmed carriers serving Rating Area 7, which includes Collinsville. When considering Molina Healthcare, it's important to review their specific plan benefits, provider networks, and prescription drug formularies. While Molina Healthcare specializes in HMO plans, marketplace shoppers in Collinsville have broader options, as PPO plans are also available on-exchange in Illinois from other carriers. This means you can compare Molina's HMO offerings against other plan types like Exclusive Provider Organization (EPO) and Preferred Provider Organization (PPO) plans to find the best fit for your healthcare needs and budget.

Understanding Your Health Insurance Options in Collinsville

Collinsville, situated in Madison County, is part of Illinois Rating Area 7. This rating area is quite extensive, covering 30 counties including 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. For 2026, residents in this area, including Collinsville, have access to plans from 5 health insurance carriers on GetCoveredIllinois. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing. Bronze plans have the lowest monthly premiums but the highest out-of-pocket costs when you use care. Silver plans offer a balance and are eligible for Cost-Sharing Reductions (CSRs) for those with incomes up to 250% of the Federal Poverty Level, making them a strong value for many. Gold and Platinum plans have higher premiums but lower out-of-pocket costs, suitable for those who anticipate frequent medical needs. Collinsville's population of 24,031, with a median income of $67,612, per U.S. Census Bureau ACS 2024 5-year estimates, reflects a community where many residents may qualify for significant financial assistance.

Health Insurance Carriers in Collinsville

For 2026, 5 carriers offer marketplace plans in Rating Area 7, which includes Collinsville, Illinois. These carriers provide a range of options for individuals and families seeking health coverage through GetCoveredIllinois. The confirmed carriers for this rating area are:

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

Each of these carriers offers different plan types and network coverages. For instance, Blue Cross and Blue Shield of Illinois is known to offer PPO plans on-exchange, providing more flexibility in provider choice compared to HMO or EPO plans. When selecting a plan, it is important to verify that your preferred doctors, specialists, and hospitals are within the network of the plan you choose. In Madison County, major healthcare providers include Alton Memorial Hospital, Osf Saint Anthony's Health Center, Gateway Regional Medical Center, and Anderson Hospital.

Qualifying for Financial Assistance and Illinois Medicaid

Many Collinsville residents may be eligible for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. Subsidies, known as Premium Tax Credits, are available on GetCoveredIllinois to reduce monthly premiums, and Cost-Sharing Reductions (CSRs) can lower deductibles, copayments, and out-of-pocket maximums for those who enroll in Silver plans and meet income guidelines. Illinois expanded Medicaid in 2014, making it accessible to adults with incomes up to 138% of the Federal Poverty Level. This means that if your income falls within this range, you may qualify for comprehensive, low-cost health coverage through Illinois Medicaid. For example, a single adult with an income up to approximately $20,120 per year (for 2024 FPLs, which are updated annually) could be eligible. Illinois Medicaid also offers expansive coverage for pregnant women up to 213% FPL and children through Illinois All Kids (CHIP equivalent) up to 313% FPL, some of the highest thresholds in the country. Applications for Illinois Medicaid can be made through ABE (abe.illinois.gov) or by calling the DHS helpline. Collinsville, Illinois, with an uninsured rate of 5.6% and a poverty rate of 12.0% per U.S. Census Bureau ACS 2024 5-year estimates, benefits significantly from these programs, which ensure that a wide range of residents can access necessary medical care. Madison County's larger population of 264,238 and slightly lower uninsured rate of 4.7% also reflect a robust network of available healthcare resources.

Your Next Steps for Health Coverage in Collinsville

Choosing the right health insurance plan requires careful consideration of your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you:

Estimate Your Income: Determine your expected household income for the upcoming year to understand what subsidies or Medicaid programs you might qualify for.
Compare Plans on GetCoveredIllinois: During Open Enrollment, visit GetCoveredIllinois to compare plans from Molina Healthcare and other available carriers. Pay attention to premiums, deductibles, copayments, and out-of-pocket maximums.
Check Networks: Confirm that your preferred doctors, specialists, and hospitals, such as Alton Memorial Hospital in Madison County, are included in the plan's provider network before enrolling.
Consider Plan Types: Decide if an HMO (like those primarily offered by Molina Healthcare), EPO, or PPO plan best suits your needs for flexibility and care coordination.
Seek Expert Advice: A licensed health insurance producer can provide personalized guidance, help you understand complex plan details, and assist with the enrollment process at no additional cost.

Frequently Asked Questions

Can I get Molina Healthcare plans through GetCoveredIllinois?

Yes, Molina Healthcare plans are available on the GetCoveredIllinois marketplace in Collinsville and across Rating Area 7. You can compare their options alongside other carriers during Open Enrollment or with a qualifying life event.

What types of plans does Molina Healthcare offer in Collinsville?

Molina Healthcare typically offers Health Maintenance Organization (HMO) plans, which coordinate your care through a primary care provider and require referrals for specialists. Illinois marketplace shoppers in Collinsville can also choose from EPO and PPO plans from other carriers.

Does Illinois Medicaid cover Collinsville residents?

Yes, Illinois expanded Medicaid in 2014, covering adults with incomes up to 138% of the Federal Poverty Level. Collinsville residents who meet these income criteria may qualify for comprehensive, low-cost coverage through Illinois Medicaid.

What is the uninsured rate in Collinsville, Illinois?

The uninsured rate in Collinsville is 5.6%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is slightly higher than the Madison County average of 4.7% but significantly lower than the national average.