Illinois Obamacare 2027: Deadlines, Medicaid and Help

In Illinois, you sign up for 2027 coverage at Get Covered Illinois from November 1, 2026 to January 15, 2027. Pick a plan by December 15 for coverage that starts January 1. Illinois expanded Medicaid, so adults 19 to 64 qualify with income up to 138% of the poverty line.

When is open enrollment in Illinois for 2027?

In Illinois, you sign up for 2027 coverage at Get Covered Illinois, the state’s own Marketplace, not HealthCare.gov.

Date What happens
Nov. 1, 2026 2027 open enrollment starts
Dec. 15, 2026 Last day to pick a plan that starts Jan. 1, 2027
Jan. 15, 2027 Open enrollment ends

Coverage Decider checked these dates against Get Covered Illinois and CMS on Oct. 15, 2026. 2027 open enrollment dates lists every state’s deadlines.

Who qualifies for Medicaid in Illinois?

Illinois expanded Medicaid. Adults 19 to 64 qualify with income up to 138% of the federal poverty level: $22,025 a year for one person or $45,540 for a family of four, using the 2026 guidelines.

Group Income limit, share of the poverty line (KFF, January 2026)
Adults 19 to 64 138%
Children, through Medicaid or CHIP 318%
Pregnancy 213%

Does Illinois have Medicaid work requirements in 2027?

Yes. Starting Jan. 1, 2027, adults 19 to 64 covered through Illinois’ Medicaid expansion must show 80 hours a month of work, school, job training or volunteering, or show they’re exempt, under the 2025 federal budget law (P.L. 119-21).

Medicaid work requirements in 2027 covers who’s exempt and how reporting works.

What will 2027 plans cost in Illinois?

Compare 2027 plans and prices for Illinois at Get Covered Illinois. Above 400% of the poverty line there’s no federal tax credit in 2027: the 2027 subsidy cliff shows where it ends for your household size.

Where can you get free help enrolling in Illinois?

Get Covered Illinois, like every ACA Marketplace, funds free Navigators who help Illinois residents apply. Find one through Get Covered Illinois.

Frequently asked questions

When is the deadline to sign up for Obamacare in Illinois for 2027?

Open enrollment in Illinois runs from November 1, 2026 to January 15, 2027 at Get Covered Illinois. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.

Can a single adult get Medicaid in Illinois in 2027?

Yes, with income up to 138% of the federal poverty level, which is $22,025 a year for one person in 2026. Starting January 1, 2027, most adults in the expansion group must also meet the federal work requirement, or show they're exempt.

Is there a penalty for not having health insurance in Illinois?

No. There's no federal penalty for going without coverage, and Illinois doesn't charge one either.

References

ACA glossary · All resources