Questions? Call 888-809-2810 (Mon. to Fri. 8 a.m. to 5 p.m.)

How to Pay for Your Insurance

Once you enroll in a health insurance plan, you will pay a monthly premium, and your plan’s deductibles, coinsurance and copayments will impact your out-of-pocket costs. Get informed about how these costs relate to receiving care.

Ways to Pay for Your Health Insurance

Each month you will receive a bill for your premium. You can continue to use your insurance as long as you keep your payments up to date. If you purchased you own coverage, you will have to pay your first premium before you can start using your benefits.

Blue Cross and Blue Shield of Illinois offers many convenient ways for you to pay your premium. You may choose what works best for you.

For a list of convenient payment options, click here.

Get Help Paying for Your Health Insurance

You may qualify for financial assistance to help pay for your coverage. The amount depends on your income and family size. When you visit the Marketplace, you’ll find out if you qualify for financial assistance, and you’ll be able to see what your lower premium will be. Some people may also qualify for low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP).

Under the Affordable Care Act, you may be able to get help paying for your health insurance through one or both of these options:

Premium tax credit

A credit that lowers your monthly premium.

If you have questions about your Blue Cross and Blue Shield of Illinois individual or family insurance plan, please call 888-809-2810 or visit

Free One-on-One Help

Register to meet one-on-one with our trusted community specialists who can give you the help you need to shop for health insurance.

Downloadable MATERIALS

We offer helpful materials for you to download and keep in case you need more information about the Affordable Care Act (ACA), how to enroll and how to use your health insurance.