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

Oscar Health Insurance Plans in Aurora, Illinois for 2026

Oscar Health is one of 5 confirmed carriers offering health plans on GetCoveredIllinois in Rating Area 2 for 2026.
Illinois expanded Medicaid in 2014, covering adults up to 138% of the Federal Poverty Level.
Marketplace plans in Illinois include HMO, EPO, and PPO options, allowing for diverse network choices.
Aurora's uninsured rate is 9.8%, slightly higher than Kane County's 7.8%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for Oscar Health insurance in Aurora, Illinois, for the 2026 plan year, you're in luck: Oscar Health is among the carriers providing coverage through GetCoveredIllinois, the state's official health insurance marketplace. As an Aurora resident, you can explore various Oscar Health plans alongside offerings from other insurers, with potential eligibility for significant financial assistance to reduce your monthly premiums and out-of-pocket costs. Illinois has an expanded Medicaid program and offers a robust marketplace, making coverage accessible for many individuals and families.

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What Oscar Health Plans Are Available in Aurora, Illinois?

For 2026, Oscar Health is a confirmed participant in Illinois's Rating Area 2, which encompasses both DuPage and Kane counties, including Aurora. Through GetCoveredIllinois, you can typically find Oscar Health plans structured as Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). While Oscar Health primarily offers these types, it's important to note that PPO (Preferred Provider Organization) plans are also available on-exchange in Illinois from other carriers, such as Blue Cross and Blue Shield of Illinois, providing a broader range of network choices for marketplace shoppers. When selecting a plan, consider factors like your preferred doctors, hospitals, prescription drug needs, and anticipated healthcare usage. Oscar Health plans, like all marketplace plans, cover essential health benefits, including doctor visits, hospital care, mental health services, and prescription drugs, without annual or lifetime limits.

Understanding Health Insurance Costs and Subsidies in Aurora

The cost of health insurance in Aurora depends on several factors, including your age, household size, income, and the specific plan you choose. Many Aurora residents qualify for financial assistance, known as premium tax credits, which can significantly lower your monthly premium payments. These subsidies are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). For example, a single individual in Aurora with an income of $40,000 might qualify for a substantial premium tax credit. In 2026, for a single person, 100% FPL is around $15,060, and 400% FPL is approximately $60,240. The exact subsidy amount is calculated based on a sliding scale, ensuring that a benchmark Silver plan remains affordable relative to your income. Additionally, individuals with incomes below 250% FPL may qualify for cost-sharing reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you use it.

Example Monthly Premiums for a 30-Year-Old in Aurora (before subsidies)
Plan Metal Tier	Estimated Monthly Premium Range	Typical Deductible Range
Bronze	$280 - $350	$7,000 - $9,000
Silver	$350 - $500	$4,000 - $7,000
Gold	$450 - $650	$1,500 - $3,000

These are illustrative estimates for a 30-year-old non-smoker in Aurora for 2026 and do not reflect potential subsidies. Actual premiums will vary based on carrier, plan choice, age, and tobacco use.

Illinois Medicaid and CHIP Eligibility for Aurora Residents

Illinois expanded its Medicaid program in 2014, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage through Illinois Medicaid. This expansion ensures that many low-income residents in Aurora have access to essential healthcare services. For families, Illinois also offers robust programs:

Pregnant Women: Illinois Medicaid covers pregnant women with income up to 213% FPL, providing extensive prenatal, delivery, and 12 months of postpartum care. You can apply through ABE (abe.illinois.gov) or call the DHS helpline.
Children (CHIP): The Illinois All Kids program, the state's CHIP equivalent, provides low-cost coverage for children with family incomes up to 313% FPL, making it one of the most expansive child coverage programs in the country.

If your income falls within these thresholds, you may qualify for these programs, which offer significant benefits at little to no cost.

Health Insurance Carriers in Aurora

For the 2026 plan year, Aurora residents in Rating Area 2 have five carriers offering marketplace plans through GetCoveredIllinois. These carriers provide a range of options, including HMO, EPO, and PPO plans, allowing you to compare networks, benefits, and costs to find the best fit for your healthcare needs. The confirmed carriers for Aurora and Rating Area 2 in 2026 are:

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

These carriers offer diverse plans, ensuring that most Aurora residents can find coverage that aligns with their budget and healthcare preferences. When choosing a plan, it's advisable to check if your preferred doctors and local hospitals, such as Copley Memorial Hospital or Presence Mercy Medical Center in Aurora, are included in the plan's network. Aurora, Illinois, with a population of 179,898 and a median income of $93,633, is part of Rating Area 2, which also covers DuPage County. This area is well-served by five acute care hospitals in Kane County, including Copley Memorial Hospital and Presence Mercy Medical Center in Aurora, as well as Advocate Sherman Hospital in Elgin. Aurora's uninsured rate stands at 9.8%, per U.S. Census Bureau ACS 2024 5-year estimates, indicating a continued need for accessible health insurance options.

Making Your Health Plan Decision in Aurora

Choosing the right health insurance plan requires evaluating your personal circumstances and healthcare needs. Here’s a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Illinois Medicaid. Apply directly through ABE (abe.illinois.gov).
If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits on GetCoveredIllinois. Consider Silver plans, especially if your income is below 250% FPL, as you may also receive cost-sharing reductions.
If your income is above 400% FPL: You can still purchase plans through GetCoveredIllinois at full price, or explore off-marketplace options directly from carriers.

A licensed health insurance producer can help you navigate the options available from Oscar Health and other carriers in Aurora, ensuring you understand your benefits and subsidies without any additional cost to you.

Frequently Asked Questions

Can I get Oscar Health insurance through GetCoveredIllinois?

Yes, Oscar Health is one of the five confirmed carriers offering marketplace health insurance plans through GetCoveredIllinois in Rating Area 2, which includes Aurora, for the 2026 plan year.

What types of plans does Oscar Health offer in Aurora?

Oscar Health, like other carriers on GetCoveredIllinois, typically offers HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. PPO plans are also available on-exchange in Illinois from other carriers like Blue Cross and Blue Shield of Illinois.

How do I know if I qualify for subsidies to lower my Oscar Health premium?

Eligibility for premium tax credits and cost-sharing reductions is based on your household income relative to the Federal Poverty Level (FPL). You can qualify for subsidies if your income is between 100% and 400% FPL. For a single individual, 100% FPL in 2026 is approximately $15,060, and 400% FPL is around $60,240, though exact figures vary by year and household size. Enter your information on GetCoveredIllinois or consult a licensed agent to determine your specific eligibility.

Are PPO plans available on GetCoveredIllinois in Aurora?

Yes, PPO plans are available on-exchange in Illinois. While Oscar Health primarily offers HMO and EPO plans, other carriers such as Blue Cross and Blue Shield of Illinois provide PPO options through GetCoveredIllinois for Aurora residents in Rating Area 2.

Where can I apply for health insurance in Aurora?

You can apply for health insurance through GetCoveredIllinois, the state's official marketplace. This platform allows you to compare plans from all participating carriers, including Oscar Health, and determine your eligibility for financial assistance. Alternatively, a licensed health insurance agent can assist you with the application process.