Why Choose UnitedHealthcare
UnitedHealthcare offers reliable, nationwide coverage with extensive doctor networks and valuable plan perks designed to make care simple, affordable, and accessible.
Key Highlights:
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? Large provider network– Access to thousands of in-network doctors, hospitals, and specialists across Illinois.
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? Affordable ACA Marketplace options– Most members qualify for cost-saving subsidies on premiums and out-of-pocket expenses.
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? Comprehensive coverage– Includes preventive care, virtual visits, dental, vision, and chronic condition management.
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? 24/7 online support– Chat with a member advocate or access plan details anytime.
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? Cashback & discounts– Earn up to $150 in rewardsand get 20% off Walgreens-brandhealth and wellness products.
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? Statewide accessibility– Whether you live in Chicago or a smaller town, UHC’s network reaches across the state.
Choosing an ACA Plan
Essential
Simple, affordable coverage for peace of mind and protection from major health expenses.
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Lowest monthly premiumoption available
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High deductible— pay more when you get care
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Covers major medical needsfor unexpected events
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Available only at the Bronze metal level
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Off-exchange plan
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Ideal for those who want basic, low-cost coveragefor emergencies
Copay Focus
Predictable costs that make budgeting for healthcare easy.
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Moderate monthly premium
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$0 medical deductible— plan pays from day one
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Fixed copaysfor most services — no surprise bills
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Comprehensive coveragewith options across all metal levels
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Designed for those who prefer clear, predictable healthcare costs
Value
Low-cost plan that helps protect your health and your budget
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Low or $0 monthly premiumoptions
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Moderate deductiblewith a mix of copays and coinsurance
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Flexible optionsacross all metal levels
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Available in all markets
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Great for those who visit doctors occasionallybut still want solid coverage
Advantage
More coverage and lower out-of-pocket costs when you need frequent care.
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Higher monthly premium, but lower costs when getting care
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Low deductible— reach coverage faster
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Manageable copaysfor doctor visits and common services
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Available in Silver and Gold metal levels
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Ideal for individuals who see providers regularlyand prefer paying more upfront to save later
UHC Plan Summaries:
Bronze Plans
Bronze plans may be for you if you have fewer medical needs, would rather have a low monthly payment, and don’t take prescription drugs regularly. Below is a quick summary of available plans and what we know so far.
- Bronze Copay Focus – $0 individual deductible
- Bronze Value – $7,850 individual deductible
- Bronze Standard – $7,500 individual deductible
| Plan Name | PCP Office / Virtual Visit | Prescription Drugs |
|---|---|---|
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Bronze Copay Focus
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$40 / $125 | $0 / $20 / 40% / 45% / 50% |
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Bronze Value
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$30 / 40% coinsurance | $0 / $10 / $200 / $400 / $500 |
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Bronze Standard
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$50 / $50 | $0 / $25 / $50 / $100 / $500 |
Silver Plans
Silver plans may be for you if you want to pay less out-of-pocket for care, qualify for a premium tax credit (also known as a subsidy), have a spouse/children on your health plan, or have regular medical needs. Below is a quick summary of available plans and what we know so far.
- Silver Copay Focus – $0 individual deductible
- Silver Standard – $6,000 individual deductible
- Silver Advantage – $2,500 individual deductible
| Plan Name | PCP Office / Virtual Visit | Prescription Drugs |
|---|---|---|
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Silver Copay Focus
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$35 / $100 | $0 / $15 / $90 / 40% / 50% |
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Silver Standard
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$40 / $80 | $0 / $20 / $40 / $80 / $350 |
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Silver Advantage
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$30 / $100 | $0 / $10 / $100 / $200 / $400 |
Gold Plans
Gold plans may be for you if you have more health care needs than most, have a spouse/children on your plan or want to grow your family soon, or prefer to pay more each month but have lower out-of-pocket expenses. Below is a quick summary of available plans and what we know so far.
- Gold Copay Focus – $0 individual deductible
- Gold Standard – $2,000 individual deductible
- Gold Advantage – $2,000 individual deductible
| Plan Name | PCP Office / Virtual Visit | Prescription Drugs |
|---|---|---|
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Gold Copay Focus
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$30 / $65 | $0 / $3 / $50 / 45% / 50% |
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Gold Standard
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$30 / $60 | $0 / $15 / $30 / $60 / $250 |
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Gold Advantage
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$25 / $60 | $0 / $8 / $50 / 30% / 40% |
Hospital and Employed Providers
*NEW* 2026 Expansion Counties:
CHICAGO
Advent Health:- Adventist Bolingbrook Hospital
- Adventist Hinsdale Hospital
- Adventist Glen Oaks Hospital
- Adventist La Grange Memorial Hospital
- Advocate Christ Medical Center
- Advocate Condell Medical Center
- Advocate Good Samaritan Hospital
- Advocate Good Shepherd Hospital
- Advocate Hope Children’s Hospital
- Advocate Illinois Masonic Med Ct
- Advocate Lutheran General Children’s Hosp
- Advocate Lutheran General Hospital
- Advocate Sherman Hospital
- Advocate South Suburban Hosp
- Advocate Trinity Hospital
- St. Alexius Medical Center
- Alexian Brothers Medical Center
Community First Healthcare:
- Community First Medical Center
Northshore University Health System:
- Edward Hospital
- Elmhurst Memorial Hospital
- Northwest Community Hospital
- Northshore Evanston Hospital
- Northshore Glenbrook Hospital
- Northshore Highland Park Hospital
- Northshore Skokie Hospital
- Swedish Covenant Hospital
Presence Health (Ascension):
- Presence Holy Family Medical Center
- Presence Resurrection Medical Center
- Presence Saint Francis Hospital
- Presence Saint Joseph Hospital Chicago
- Presence Saint Joseph Hospital Elgin
- Presence Saint Joseph Medical Center,
- Presence Saints Mary and Elizabeth Medical Center
- Presence St. Mary’s Hospital
- Presence Saint Mercy Medical Center
Pipeline Health:
- Louis A Weiss Memorial Hospital
- West Suburban Medical Center
Sinai Health System:
- Holy Cross Hospital
- Mount Sinai Hospital Medical Center
South Shore Hospital Illinois:
- St. Anthony Hospital
- St. Bernard Hospital
Thorek Hospital Medical Center:
- Methodist Hospital of Chicago
- Thorek Memorial Hospital
Rush Health System
- Rush Oak Park Hospital
- Rush University Medical Center
Other Hospitals:
- Duly Health
- Care (Formerly DuPage Medical Group)
- Loretto Hospital
- Silver Cross Hospital
- Vista Medical Center East
CENTRAL IL
Hospital Sisters Health System:
- Good Shepherd Hospital
- St. John’s Hospital
- St. Mary’s Hospital
- Pana Community Hospital
- Additional providers pending
EAST ST. LOUIS (MO-IL)
Hospital Sisters Health System (HSHS):
- St. Elizabeth Hospital
- St. Joseph’s Hospital
- St. Francis Hospital
- Holy Family Hospital
- Hillsboro Hospital
- Marshall Browning Hospital Association
- Red Bud Regional Hospital
- Thomas H Boyd Memorial Hospital
- Washington County Hospital
- Additional providers pending