Find Your 2027 ACA Health Plan
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Blue Choice Preferred Security PPO 200: 2027 Catastrophic Plan
Blue Choice Preferred Security PPO℠ 200 is the 2026 catastrophic plan from Blue Cross and Blue Shield of Illinois (BCBSIL). It uses the same Blue Choice Preferred PPO network as the Bronze, Silver and Gold Blue Choice Preferred plans, and you never need a referral to see a specialist. It is sold through Get Covered Illinois and directly from BCBSIL.
Who can buy a catastrophic plan
Catastrophic plans are only for people under age 30, or people who qualify for a hardship or affordability exemption. You can’t use a premium tax credit (subsidy) to lower the premium on a catastrophic plan, so if you qualify for one, a subsidized Bronze or Silver plan may cost you less each month.
How the 2027 Security PPO 200 works
- $10,600 deductible per person ($21,200 per family) for in-network care. The out-of-pocket maximum is the same amount, so once you meet the deductible, covered in-network care is paid in full for the rest of the year.
- Preventive care is free, even before you meet the deductible.
- Your first 3 primary care visits cost $20 each (office or virtual), even before the deductible.
- Specialists, urgent care, the emergency room, hospital stays and all prescription drug tiers are covered in full after the deductible.
- Out-of-network care has a $15,000 per-person deductible, 50% coinsurance for most services, and no out-of-pocket limit.
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family. See toggles below for full plan details. Figures are from BCBSIL’s 2026 Summary of Benefits and Coverage.
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Deductibles
| In-network (Participating) | Out-of-network (Non-Participating) | |
| Overall Deductible Individual/Family | $10,600 / $21,200 | $15,000 / $45,000 |
| Are there services covered before you meet deductible | Yes. Preventive care and your first 3 primary care visits ($20 each). | No. |
| Are there other deductibles for specific services | No. | No. |
| Out-of-pocket limit Individual/Family** | $10,600 / $21,200 | Unlimited |
| Will you pay less if you use network provider? | Yes. | Yes. |
| Referral to see a specialist? | No. | No. |
**Premiums, balance billing & health care this plan doesn’t cover are not included in the out-of-pocket limit
Office Visit / Testing
| In-network (Participating) | Out-of-network (Non-Participating) | |
| Primary Care for injury/illness | First 3 visits $20 each (office or virtual), then No Charge after deductible | 50% |
| Specialist visit | No Charge after deductible | 50% |
| Preventative care/screening | No Charge | 50% |
| Diagnostic test (xray, blood) | No Charge after deductible | 50% |
| Imaging (CT/PET/MRI) | No Charge after deductible | 50% |
Generic / Brand / Specialty Drug Comparison
If you need drugs to treat your illness or condition. All prescription drug tiers are covered in full once you meet the deductible.
| In-network (Participating) | Out-of-network (Non-Participating) | |
| Generic drugs (Preferred / Non-Preferred) | No Charge after deductible | No Charge after deductible, plus a 50% additional charge |
| Brand drugs (Preferred / Non-Preferred) | No Charge after deductible | No Charge after deductible, plus a 50% additional charge |
| Specialty drugs (Preferred / Non-Preferred) | No Charge after deductible | No Charge after deductible, plus a 50% additional charge |
| Insulin (30-day supply) | No more than $35 | Not applicable |
Outpatient Surgery / Emergency Comparison
| In-network (Participating) | Out-of-network (Non-Participating) | |
| Facility Fee (ambulatory surgery center) | No Charge after deductible | $2,000/visit + 50% |
| Physician/surgeon Fee | No Charge after deductible | 50% |
| Emergency Room Care | No Charge after deductible | No Charge after deductible |
| Emergency Medical Transportation | No Charge after deductible | No Charge after deductible |
| Urgent Care | No Charge after deductible | 50% |
Hospital Stay / Health Services / Pregnancy
| In-network (Participating) | Out-of-network (Non-Participating) | |
| Facility Fee for hospital stay | No Charge after deductible | $2,000/visit + 50% |
| Physician/surgeon Fees | No Charge after deductible | 50% |
| Mental health, behavioral health, or substance abuse services: Outpatient | No Charge after deductible | 50% |
| Mental health, behavioral health, or substance abuse services: Inpatient | No Charge after deductible | $2,000/visit + 50% |
| If you are pregnant, office visit | $20 for the first prenatal visit (No Charge if you have already had 3 $20 visits), then No Charge | 50% |
| Childbirth/delivery/professional services | No Charge after deductible | 50% |
| Childbirth/delivery facility services | No Charge after deductible | $2,000/visit + 50% |
Help recovering / other special needs
| In-network (Participating) | Out-of-network (Non-Participating) | |
| Home Health Care | No Charge after deductible | 50% |
| Rehabilitation Services | No Charge after deductible | 50% |
| Habilitation services | No Charge after deductible | 50% |
| Skilled nursing care | No Charge after deductible | 50% |
| Durable medical equipment | No Charge after deductible | 50% |
| Hospice services | No Charge after deductible | 50% |
Childrens Dental / Eye care
| In-network (Participating) | Out-of-network (Non-Participating) | |
| Children’s eye exam | No Charge | Up to $30 reimbursement |
| Children’s Glasses | No Charge after deductible | Up to $75 reimbursement |
| Children’s Dental check-up | Not Covered | Not Covered |
Excluded & Other Covered Services
Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)
| Security PPO 200 | |
| Acupuncture | Not Covered |
| Dental Care (Adult and child) | Not Covered |
| Long-term Care | Not Covered |
| Non-emergency care when traveling outside of US | Not Covered |
| Routine eye care (adult) | Not Covered |
| Weight loss programs | Not Covered |
Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)
| Security PPO 200 | |
| Abortion care | Covered |
| Bariatric surgery | Covered |
| Chiropractic care | Covered (25 visits per calendar year) |
| Cosmetic surgery | Covered when medically necessary |
| Hearing aids | Covered (1 per ear every 24 months) |
| Infertility treatment | Covered (4 procedures per benefit period) |
| Private-duty nursing | Covered, except inpatient private-duty nursing |
| Routine Foot Care | Covered when medically necessary |
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