Is Oscar Health available on the GetCoveredIllinois marketplace in Collinsville?

Yes, Oscar Health is one of 5 carriers offering plans on the GetCoveredIllinois marketplace in Rating Area 7 for the 2026 plan year, which includes Collinsville.

What types of plans does Oscar Health offer in Collinsville?

Oscar Health, like other carriers in Illinois, typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are also available on-exchange in Illinois from other carriers, giving Collinsville residents a range of options.

Can I get a subsidy for Oscar Health plans in Collinsville?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premium. Cost-sharing reductions (CSRs) may also be available for those with incomes up to 250% FPL, reducing out-of-pocket costs on Silver plans.

What hospitals in Madison County might be in-network with Oscar Health?

Oscar Health's network can vary by specific plan. Major hospitals in Madison County include Alton Memorial Hospital, Osf Saint Anthony's Health Center, Gateway Regional Medical Center, and Anderson Hospital. Always verify that your preferred providers and facilities are in-network with any plan you consider before enrolling.

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

Oscar Health Insurance in Collinsville, Illinois

Oscar Health is one of 5 carriers offering marketplace plans in Collinsville's Rating Area 7 for 2026.
Illinois residents in Collinsville can choose from HMO, EPO, and PPO plans on the GetCoveredIllinois marketplace.
Individuals with incomes up to 400% FPL may qualify for subsidies, with Illinois Medicaid covering up to 138% FPL.
Collinsville, with a population of 24,031, has an uninsured rate of 5.6% as of U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Collinsville, Illinois, navigating health insurance options can seem complex, but understanding the local marketplace makes it straightforward. Oscar Health is a key provider in the region, offering plans through GetCoveredIllinois, the state's official health insurance marketplace. As an Illinois resident, you have access to a range of plan types, including HMOs, EPOs, and PPOs, and many individuals and families qualify for financial assistance to make coverage more affordable. The availability of multiple carriers like Oscar Health ensures competitive options tailored to various needs and budgets in Collinsville and the surrounding Madison County area.

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What Oscar Health Plans Are Available in Collinsville?

Oscar Health is a confirmed carrier offering individual and family health insurance plans on the GetCoveredIllinois marketplace for the 2026 plan year in Collinsville. These plans are available to residents of Rating Area 7, which encompasses a broad region of Illinois. When exploring Oscar Health options, you will typically find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) structures, which emphasize managed care and network providers. Illinois is an expanded Medicaid state, and its marketplace, GetCoveredIllinois, allows for a comprehensive selection of plans with potential subsidies. Collinsville, situated in Madison County, is part of Illinois 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, Woodford counties. This means that plan availability and pricing are standardized across this 30-county region. Residents of Collinsville, with a population of 24,031 and an uninsured rate of 5.6% per U.S. Census Bureau ACS 2024 5-year estimates, benefit from the robust carrier competition in this rating area.

Understanding Financial Assistance for Oscar Health Plans

Affordability is a major factor when choosing health insurance, and many Collinsville residents qualify for financial assistance through GetCoveredIllinois. Illinois expanded its Medicaid program in 2014, meaning adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. For those above this threshold, two main types of subsidies are available for marketplace plans, including those offered by Oscar Health:

Advance Premium Tax Credits (APTCs): These subsidies reduce your monthly premium. Eligibility is generally for individuals and families with household incomes between 100% and 400% of the FPL. The exact amount you receive depends on your income, household size, and the cost of the benchmark Silver plan in your area.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver-tier plans, CSRs reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. You may qualify for CSRs if your income is between 100% and 250% of the FPL. For example, a Silver plan with CSRs might have a lower deductible than a standard Silver plan, effectively making it a "Gold-level" plan at a Silver price point.

It's important to accurately report your estimated income when applying through GetCoveredIllinois to ensure you receive all the financial help you're eligible for.

Health Insurance Carriers in Collinsville

In 2026, 5 carriers offer marketplace plans in Rating Area 7, which includes Collinsville, Illinois. Oscar Health is one of these providers, ensuring residents have a selection of options. The confirmed carriers for this rating area are:

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

When comparing plans, consider not only the monthly premium but also the plan type (HMO, EPO, or PPO), the deductible, copayments, coinsurance, and the out-of-pocket maximum. Also, verify if your preferred doctors and any local hospitals in Madison County, such as Alton Memorial Hospital or Anderson Hospital, are included in the plan's network. Blue Cross and Blue Shield of Illinois offers PPO plans on-exchange, providing an important choice for those who value broader network flexibility.

Choosing the Right Oscar Health Plan in Collinsville

Selecting the best Oscar Health plan, or any plan, requires evaluating your individual and family health needs, budget, and preferred access to care. Here's a breakdown of considerations:

Consideration	Recommendation
Budget & Premium	If you qualify for APTCs, compare plans across different metallic tiers (Bronze, Silver, Gold). A Bronze plan may have the lowest premium but higher out-of-pocket costs when you use care.
Health Needs	If you expect frequent doctor visits or have chronic conditions, a Gold plan (higher premium, lower out-of-pocket costs) or a Silver plan with CSRs (if eligible) might save you money in the long run. Oscar Health, like other carriers, offers various tiers.
Doctor & Hospital Access	Verify if your current doctors, specialists, and local hospitals like Osf Saint Anthony's Health Center or Gateway Regional Medical Center are in Oscar Health's network for your chosen plan. HMOs and EPOs have more restricted networks than PPOs.
Preventive Care	All ACA-compliant plans, including those from Oscar Health, cover essential health benefits and preventive care at no additional cost, even if you haven't met your deductible.
Medicaid Eligibility	If your income is at or below 138% FPL, you may qualify for Illinois Medicaid. For a single individual, this is approximately $20,783 annually (based on 2023 FPLs for 2024 coverage, subject to annual updates). Illinois Medicaid covers pregnant women up to 213% FPL and children up to 313% FPL under Illinois All Kids.

For personalized guidance, a licensed health insurance producer can help you compare Oscar Health plans with other carriers, calculate your potential subsidies, and ensure your preferred providers are in-network, all at no cost to you.

Frequently Asked Questions

Is Oscar Health a good insurance company?

Oscar Health is one of 5 health insurance carriers confirmed to offer plans on the GetCoveredIllinois marketplace in Collinsville's Rating Area 7 for the 2026 plan year. Its suitability depends on individual needs, network preferences, and budget. Comparing its specific plan offerings, networks, and costs against other carriers like Ambetter or United Healthcare is recommended.

How do I enroll in an Oscar Health plan in Collinsville?

You can enroll in an Oscar Health plan through the official state marketplace, GetCoveredIllinois. Enrollment typically occurs during the annual Open Enrollment Period, which usually runs from November 1 to January 15. You may also qualify for a Special Enrollment Period if you experience a qualifying life event, such as losing other coverage, getting married, or having a baby.

What is the difference between an HMO and an EPO plan from Oscar Health?

An HMO (Health Maintenance Organization) plan generally requires you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. An EPO (Exclusive Provider Organization) plan typically does not require a PCP or referrals but only covers care received from providers within its network, except in emergencies. Both plan types offered by Oscar Health in Collinsville emphasize in-network care.

Does Oscar Health cover mental health services in Illinois?

Yes, all plans sold on the GetCoveredIllinois marketplace, including those from Oscar Health, are required to cover essential health benefits, which include mental health and substance use disorder services. Coverage generally includes outpatient mental health care, inpatient services, and prescription medications for mental health conditions, subject to the plan's specific copays, deductibles, and coinsurance.