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

Part-Time Health Insurance in Round Lake Beach, Illinois

Part-time employment does NOT prevent you from qualifying for subsidies on GetCoveredIllinois, the state marketplace.
Adults in Illinois with income up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid.
In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Lake and McHenry counties, including PPO options.
Round Lake Beach has a 15.6% uninsured rate, indicating many residents may benefit from exploring marketplace or Medicaid options.

If you work part-time in Round Lake Beach, Illinois, finding affordable health insurance is a common concern. The good news is that your employment status does not determine your eligibility for financial assistance under the Affordable Care Act (ACA). Residents of Round Lake Beach can access comprehensive health plans through GetCoveredIllinois, the state-based marketplace, where subsidies are available based on household income and family size, not on the number of hours you work. This means part-time workers can often find plans with significantly reduced monthly premiums and out-of-pocket costs, making quality healthcare accessible.

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How Can Part-Time Workers in Round Lake Beach Get Affordable Coverage?

For part-time workers in Round Lake Beach, the primary avenues for affordable health insurance are GetCoveredIllinois and Illinois Medicaid. Your eligibility for either program depends on your household income relative to the Federal Poverty Level (FPL).

GetCoveredIllinois: Subsidized Marketplace Plans

The GetCoveredIllinois marketplace is designed to make health insurance more affordable for individuals and families who don't have access to employer-sponsored coverage or who find it too expensive. When you apply through GetCoveredIllinois, you may qualify for two types of financial assistance:

Premium Tax Credits (PTCs): These subsidies reduce your monthly premium, making plans more affordable upfront. Eligibility is for those with household incomes between 100% and 400% FPL.
Cost-Sharing Reductions (CSRs): Available to those with incomes up to 250% FPL, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan.

Since these subsidies are based on income, a part-time income often falls within the eligible range, allowing you to pay less for a comprehensive plan.

Illinois Medicaid: Coverage for Low-Income Residents

Illinois expanded its Medicaid program in 2014, making it available to more low-income adults. If your household income is at or below 138% of the Federal Poverty Level, you may qualify for Illinois Medicaid, which provides comprehensive coverage with little to no cost. For a single individual, 138% FPL is approximately $20,782 annually in 2026. This program is a critical safety net for many part-time workers and their families in Round Lake Beach who face income constraints.

What Types of Health Plans Are Available in Round Lake Beach?

In Round Lake Beach, residents shopping on GetCoveredIllinois can choose from a variety of plan types to suit their needs and preferences. Illinois offers Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some other states, PPO plans ARE available on-exchange in Illinois, with Blue Cross and Blue Shield of Illinois offering them through the marketplace. This provides greater flexibility for those who prefer to see out-of-network providers (at a higher cost) or do not want a primary care physician referral for specialists. The plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each covering a different percentage of your medical costs:

Metal Tier	Covers (on average)	Best For
Bronze	60% of costs	Lowest premiums, highest out-of-pocket costs. Good for healthy individuals who rarely see a doctor.
Silver	70% of costs (more with CSRs)	Moderate premiums and out-of-pocket costs. Essential for those who qualify for Cost-Sharing Reductions.
Gold	80% of costs	Higher premiums, lower out-of-pocket costs. Good for those who expect to use medical services frequently.
Platinum	90% of costs	Highest premiums, lowest out-of-pocket costs. Best for those with chronic conditions or who want maximum predictability.

Health Insurance Carriers in Round Lake Beach

Residents of Round Lake Beach, located in Lake County, are part of Illinois Rating Area 3, which also covers McHenry County. In 2026, 5 carriers offer marketplace plans in Rating Area 3. These carriers provide a range of plan options, including HMO, EPO, and PPO plans:

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

It is important to compare plans from each carrier, considering their network of doctors and hospitals, specific benefits, and costs, to find the best fit for your healthcare needs in Round Lake Beach. Major medical facilities like Vista Medical Center East in Waukegan and Advocate Condell Medical Center in Libertyville are part of the broader Lake County healthcare network.

Making Your Health Insurance Decision in Round Lake Beach

Navigating your options for part-time health insurance in Round Lake Beach involves considering your income, health needs, and budget. Here’s a breakdown to help you decide:

If your income is at or below 138% FPL: You will likely qualify for Illinois Medicaid. Apply directly through ABE (abe.illinois.gov) or call the DHS helpline.
If your income is between 100% and 250% FPL: You are eligible for both Premium Tax Credits to lower your monthly premiums and Cost-Sharing Reductions to reduce your deductibles, copays, and out-of-pocket maximums. Enrolling in a Silver plan will maximize these savings.
If your income is between 250% and 400% FPL: You can still receive Premium Tax Credits to lower your monthly premiums. Bronze, Silver, or Gold plans may be good options depending on your expected healthcare usage.
If your income is above 400% FPL: You can still purchase plans through GetCoveredIllinois, but you will pay the full premium without federal subsidies. You may also consider off-marketplace plans directly from carriers.

Round Lake Beach, with a population of 27,079 and a 15.6% uninsured rate per U.S. Census Bureau ACS 2024 5-year estimates, highlights the importance of exploring all available coverage avenues. The median income for the city is $86,059, while the broader Lake County has a median income of $110,416. These figures suggest a diverse economic landscape where both subsidized plans and Medicaid play crucial roles in ensuring access to care.

Frequently Asked Questions

Can I get health insurance if I only work part-time in Round Lake Beach?

Yes, individuals working part-time in Round Lake Beach can access health insurance through GetCoveredIllinois, the state's official health insurance marketplace. Eligibility for subsidies is based on household income, not employment status or hours worked, making plans more affordable for many part-time workers.

What income level qualifies me for Illinois Medicaid in Round Lake Beach?

In Illinois, adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Illinois Medicaid. For a single individual in 2026, this threshold is approximately $20,782 annually. Pregnant women qualify up to 213% FPL, and children up to 313% FPL.

How do subsidies work for part-time workers buying health insurance in Illinois?

Subsidies, including Premium Tax Credits and Cost-Sharing Reductions, are available through GetCoveredIllinois for individuals and families with incomes between 100% and 400% FPL. These financial aids significantly lower monthly premiums and out-of-pocket costs, making coverage more accessible for part-time employees in Round Lake Beach.

What types of health plans are available in Round Lake Beach, Illinois?

In Round Lake Beach, residents can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans through GetCoveredIllinois. PPO plans, which offer more flexibility in choosing providers, are available on-exchange from carriers like Blue Cross and Blue Shield of Illinois.