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

Oscar Health Insurance Plans in Highland Park, Illinois

Oscar Health is one of 5 health insurance carriers offering marketplace plans in Highland Park, Illinois's Rating Area 3 for the 2026 plan year.
Highland Park residents can choose from HMO, EPO, and PPO plan types on GetCoveredIllinois.
Individuals with incomes up to 400% FPL (e.g., $60,240 for an individual) may qualify for significant premium subsidies.
Illinois expanded Medicaid in 2014, covering adults with incomes up to 138% FPL, and pregnant women up to 213% FPL.

If you're looking for health insurance options from Oscar Health in Highland Park, Illinois, you're in luck. Oscar Health is one of five confirmed carriers offering marketplace plans in Rating Area 3, which covers Lake and McHenry counties, for the 2026 plan year. Residents of Highland Park, a city with a population of 30,398 and an uninsured rate of just 2.1% per U.S. Census Bureau ACS 2024 5-year estimates, can explore Oscar Health plans alongside other insurers through GetCoveredIllinois, the state's official health insurance marketplace. Depending on your income and household size, you may be eligible for significant financial assistance to make your coverage more affordable.

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 Oscar Health Plans Are Available in Highland Park?

For the 2026 plan year, Oscar Health is participating in the Illinois marketplace, providing health insurance choices for Highland Park residents. When shopping on GetCoveredIllinois, you'll find various plan structures, including Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs). Illinois is one of the states where PPO plans are available on-exchange, with Blue Cross and Blue Shield of Illinois notably offering them. Oscar Health's specific plan offerings will detail their network of doctors, hospitals, and specialists, as well as costs like deductibles, copayments, and out-of-pocket maximums.

Understanding Health Insurance Marketplace Eligibility and Subsidies in Illinois

The Affordable Care Act (ACA) marketplace, GetCoveredIllinois, provides a pathway to affordable health insurance for many Highland Park residents. Eligibility for plans is generally open to anyone who is not enrolled in Medicare or Medicaid and does not have access to affordable, employer-sponsored coverage. Financial assistance, in the form of premium tax credits and cost-sharing reductions, is available to eligible individuals and families based on their household income relative to the Federal Poverty Level (FPL). For 2026, subsidies are available for those earning up to 400% FPL, and in some cases, even higher. For example, an individual earning up to approximately $60,240 (400% FPL for a single person in 2024, which adjusts annually) could qualify for premium tax credits. Illinois expanded its Medicaid program in 2014, meaning adults with household incomes up to 138% FPL may qualify for comprehensive, low-cost coverage through Illinois Medicaid. For pregnant women, the income threshold is even higher, up to 213% FPL, covering prenatal care, delivery, and 12 months of postpartum care. Children can receive coverage through Illinois All Kids (CHIP equivalent) with household incomes up to 313% FPL. You can apply for these programs through ABE (abe.illinois.gov) or by calling the DHS helpline.

Health Insurance Carriers in Highland Park, Illinois

Highland Park, located in Lake County, is part of Illinois Rating Area 3, which also covers McHenry County. In 2026, 5 carriers offer marketplace plans in Rating Area 3, providing a competitive environment for consumers. These carriers include:

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

When comparing plans, it's important to consider not only the monthly premium but also the deductible, copayments, coinsurance, and the network of doctors and hospitals. The five acute care hospitals in Lake County, including Northwestern Lake Forest Hospital in nearby Lake Forest and Advocate Condell Medical Center in Libertyville, serve the county's 714,223 residents. Highland Park, with its median income of $168,094, significantly above Lake County's $110,416, benefits from a diverse range of health plan options.

How to Choose the Right Oscar Health Plan (or another carrier) in Highland Park

Selecting the right health insurance plan, whether from Oscar Health or another carrier, involves evaluating several factors:

Your Healthcare Needs: Consider your typical medical usage. If you visit the doctor frequently or manage a chronic condition, a plan with lower out-of-pocket costs (like a Gold or Silver plan) might be more suitable, even if premiums are higher. If you're generally healthy, a Bronze or Catastrophic plan with lower premiums but higher deductibles could be an option.
Provider Network: Ensure your preferred doctors, specialists, and hospitals are in the plan's network. For Highland Park residents, this might include facilities like Vista Medical Center East in Waukegan or Advocate Good Shepherd Hospital in Barrington.
Budget: Balance your monthly premium payment with potential out-of-pocket costs. Subsidies can significantly reduce premiums for those who qualify.
Plan Type: Understand the differences between HMO, EPO, and PPO plans. HMOs typically require a primary care physician referral for specialists, while PPOs offer more flexibility to see out-of-network providers (though at a higher cost).
Deductibles and Out-of-Pocket Maximums: A higher deductible means you pay more for care before your insurance starts covering costs, but often comes with a lower premium. The out-of-pocket maximum is the most you'll pay for covered services in a year.

A licensed health insurance producer can provide personalized guidance, helping you compare Oscar Health plans and other options available through GetCoveredIllinois to find the best fit for your specific situation and budget.

Frequently Asked Questions

Can I get Oscar Health insurance in Highland Park, Illinois?

Yes, Oscar Health is one of 5 carriers offering marketplace health insurance plans in Highland Park, Illinois's Rating Area 3 for the 2026 plan year. You can enroll through GetCoveredIllinois during open enrollment or a special enrollment period.

What types of Oscar Health plans are available in Highland Park?

In Illinois, marketplace plans, including those from Oscar Health, are available as Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs). The specific plan types offered by Oscar Health will vary, so it's important to compare details on GetCoveredIllinois.

Is Oscar Health considered a good insurance company?

Oscar Health is one of five health insurance carriers confirmed to offer plans in Highland Park, Illinois for 2026. Evaluating if a company is 'good' depends on individual needs, including specific plan benefits, network access, and cost. It's recommended to compare Oscar Health's offerings against other local carriers like Ambetter, Blue Cross and Blue Shield of Illinois, Molina Healthcare, and United Healthcare on GetCoveredIllinois.

Can I get financial assistance for Oscar Health plans in Highland Park?

Yes, individuals and families in Highland Park may qualify for subsidies (premium tax credits and cost-sharing reductions) to lower the cost of Oscar Health plans purchased through GetCoveredIllinois. Eligibility is based on household income relative to the Federal Poverty Level. Illinois also offers expanded Medicaid for adults up to 138% FPL.