Oscar Health Insurance in Moline, Illinois

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

Oscar Health is one of 5 carriers offering health insurance plans on GetCoveredIllinois for Moline residents in 2026.
Moline is part of Illinois Rating Area 6, which covers 10 counties in the region.
Illinois Medicaid is expanded, covering adults up to 138% FPL, pregnant women up to 213% FPL, and children up to 313% FPL.
Financial assistance via premium tax credits and cost-sharing reductions are available through GetCoveredIllinois for eligible Moline residents.

For Moline, Illinois residents seeking health insurance, Oscar Health offers a range of plans through GetCoveredIllinois, the state's official health insurance marketplace. As of 2026, Oscar Health is one of five carriers providing coverage options in Rating Area 6, which includes Moline and nine other surrounding counties. These plans provide access to essential health benefits, and eligible individuals and families may qualify for significant financial assistance to make coverage more affordable. Understanding the available plan types, financial aid options, and enrollment process is key to selecting the right coverage for your needs.

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What Oscar Health Plans Are Available in Moline?

Oscar Health, like other carriers in Illinois, offers plans that comply with the Affordable Care Act (ACA). These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, reflecting the balance between monthly premiums and out-of-pocket costs. Bronze plans typically have lower premiums but higher deductibles, suitable for those who anticipate minimal medical care or prefer lower monthly costs. Silver plans offer a moderate balance and are the only tier eligible for cost-sharing reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums for eligible individuals. Gold and Platinum plans feature higher premiums but lower out-of-pocket costs, ideal for those who expect frequent medical care. In Moline, Oscar Health primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. HMO plans generally require you to choose a primary care provider (PCP) within their network and get referrals for specialists. EPO plans offer more flexibility than HMOs but still require you to stay within a specific network for covered services, typically without needing a referral for specialists. Illinois is one of the states where PPO (Preferred Provider Organization) plans are also available on-exchange from other carriers, offering Moline residents broader choices, including plans like those offered by Blue Cross and Blue Shield of Illinois, which provides PPO options through GetCoveredIllinois.

Understanding Financial Assistance for Moline Residents

Many Moline residents qualify for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. These subsidies are available exclusively through GetCoveredIllinois.

Household Income (as % FPL)	Assistance Type	Benefit
100% - 400% FPL	Premium Tax Credits	Lowers monthly premium payments
100% - 250% FPL	Cost-Sharing Reductions (CSRs)	Lowers deductibles, copayments, and out-of-pocket maximums (available only on Silver plans)
Up to 138% FPL (Adults)	Illinois Medicaid	Comprehensive, low-cost coverage with minimal or no out-of-pocket expenses
Up to 213% FPL (Pregnant Women)	Illinois Medicaid (Pregnant Women)	Comprehensive prenatal, labor, delivery, and 12-month postpartum care
Up to 313% FPL (Children)	Illinois All Kids (CHIP)	Low-cost comprehensive health coverage for children

For example, a single adult in Moline earning $30,000 per year (approximately 200% FPL) would likely qualify for significant premium tax credits, making a Silver plan much more affordable. They would also qualify for cost-sharing reductions, substantially lowering their out-of-pocket costs should they need medical care. To determine your exact eligibility and subsidy amounts, you must apply through GetCoveredIllinois.

Health Insurance Carriers in Moline

Moline, Illinois is situated within Illinois Rating Area 6. This rating area is a multi-county region that also covers Bureau, DeKalb, Henry, Kendall, LaSalle, Marshall, Mercer, Putnam, Rock Island, and Stark counties. In 2026, 5 carriers offer marketplace plans in Rating Area 6. These confirmed carriers include:

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

Residents of Moline and Rock Island County have access to plans from these providers through GetCoveredIllinois, offering a competitive range of choices across various metal tiers and plan types, including HMO, EPO, and PPO options.

Local Healthcare Landscape in Moline, Illinois

Moline is part of Rock Island County, a region with a population of 142,757 per U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate stands at 6.1%, while Moline's city-specific uninsured rate is 7.6%. For Moline residents, access to local healthcare facilities is an important factor when choosing a health plan. Rock Island County is served by two acute care hospitals: Genesis Health System DBA Genesis Medical Center-Illini in Silvis and Trinity Rock Island in Rock Island. When selecting an Oscar Health plan, it's crucial to verify that your preferred doctors and hospitals, such as Genesis Health System DBA Genesis Medical Center-Illini, are in-network to ensure seamless access to care.

Choosing the Right Plan in Moline

Selecting the right health insurance plan requires evaluating your healthcare needs, budget, and preferred providers.

Consider your expected medical use: If you anticipate frequent doctor visits or have chronic conditions, a Gold or Platinum plan with lower out-of-pocket costs might be more cost-effective despite higher premiums. If you are generally healthy, a Bronze plan with a health savings account (HSA) option could be suitable.
Evaluate network access: Ensure that your preferred doctors, specialists, and hospitals, like Genesis Health System DBA Genesis Medical Center-Illini or Trinity Rock Island, are part of the plan's network, especially for HMO and EPO plans.
Check financial assistance eligibility: If your household income is within 100-400% FPL, you are likely eligible for premium tax credits. If it's also between 100-250% FPL, a Silver plan will offer additional cost-sharing reductions, providing the best value.
Compare plan types: Decide between HMO, EPO, or PPO based on your preference for flexibility versus cost. PPO plans, offered by some carriers like Blue Cross and Blue Shield of Illinois, provide the most flexibility but may have higher costs.

A licensed health insurance producer can help you navigate these choices, compare plans from Oscar Health and other carriers, and ensure you maximize any available subsidies.

Frequently Asked Questions

Can I get Oscar Health insurance through GetCoveredIllinois in Moline?

Yes, Oscar Health is one of the five carriers offering marketplace plans in Rating Area 6, which includes Moline, Illinois, for the 2026 plan year. You can enroll in an Oscar Health plan through GetCoveredIllinois, the state's official health insurance marketplace.

What types of plans does Oscar Health offer in Moline?

In Moline, Oscar Health typically offers HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. Illinois also offers PPO plans on-exchange from other carriers, giving Moline residents a range of structural choices on GetCoveredIllinois.

Do I qualify for financial assistance to lower Oscar Health premiums in Moline?

Moline residents with household incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits to reduce their monthly health insurance costs. Those between 100% and 250% FPL may also be eligible for cost-sharing reductions, which lower out-of-pocket expenses like deductibles and copayments on Silver plans.

What is Illinois Medicaid eligibility in Moline?

Illinois expanded Medicaid in 2014. Adults in Moline with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. Pregnant women are covered up to 213% FPL, and children up to 313% FPL through Illinois All Kids. Applications can be submitted through ABE (abe.illinois.gov).