Find Your 2026 ACA Health Plan
Compare Blue Cross Blue Shield of Illinois ACA plans available in your area. Enter your ZIP code to see plans and pricing - no contact info required.
2026 Blue Precision Silver HMO Plans
Our Rating: 
The plans below use the Blue Precision HMO network, one the largest HMO networks in Illinois. You must select a network primary care physician (PCP), who coordinates your care within the network and referrals are required from your PCP to see a specialists. 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.
There are 4 Silver HMO plans:
- Blue Precision Silver HMO 206– $3,000 individual deductible and 50% coinsurance
- Blue Precision Silver HMO 306 – $6,000 individual deductible and 50% coinsurance (not available on Get Covered Illinois – enroll direct)
- Blue Precision Silver HMO 704– $7,000 individual deductible and 50% coinsurance
- Blue Precision Silver HMO Standard – Select Rx Copays – $6,000 individual deductible and 40% coinsurance
Compare the features, options and costs of Silver plans to find the one that’s right for you.
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.
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Deductibles
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Overall Deductible Individual/Family | $3,000/ $6,000 | $6,000 / $12,000 | $7,000 / $14,000 | $6,000 / $12,000 |
| Are there services covered before you meet deductible | Yes. | Yes. | Yes. | Yes. |
| Are there other deductibles for specific services | No. | No. | No. | No. |
| Out-of-pocket limit Individual/Family** | $10,600/ $21,200 | $10,150/ $20,300 | $8,200/ $16,400 | $8,900 / $17,800 |
| Will you pay less if you use network provider? | Yes. | Yes. | Yes. | Yes. |
| Referral to see a specialist? | Yes. | Yes. | Yes. | Yes. |
**Premiums, balance billing & health care this plan doesn’t cover are not included in the out-of-pocket limit
Office Visit / Testing
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Primary Care for injury/illness | $35/visit | $15/visit | $65/visit | $40/visit |
| Specialist visit | $90/visit | $40/visit | $90/visit | $80/visit |
| Preventative care/screening | No Charge | No Charge | No Charge | No Charge |
| Diagnostic test (xray, blood) | $40/test | $35/test | $90/test | 40% |
| Imaging (CT/PET/MRI) | $350/test | $250/test | $250/test | 40% |
Generic / Brand / Specialty Drug Comparison
If you need Drugs to treat your illness or condition. For information on whether or not deductibles apply, please download the plan summaries
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Generic Drugs (Preferred) | No Charge | $10 / $30 | $5/$15 | $20 / $60 |
| Generic Drugs (Non Preferred) | 10% | $20 / $60 | $15 / $45 | $20 / $60 |
| Brand drugs (Preferred) | 20% | 30% | 35% | $40 / $120 |
| Brand Drugs Non Preferred | 30% | 40% | 40% | $80 / $240 |
| Specialty Drugs Preferred | 40% | 45% | 45% | $350 |
| Specialty Drugs Non Preferred | 50% | 50% | 50% | $350 |
Outpatient Surgery / Emergency Comparison
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Facility Fee Freestanding | 50% | $600/visit + 50% | $350/visit + 50% | 40% |
| Facility fee Hospital | NA | NA | NA | NA |
| Physician/surgeon Fee | $40/visit | $200/visit | $90/visit | 40% |
| Emergency Room Care | 50% | 50% | 50% | 40% |
| Emergency Medical Transportation | 50% | 50% | 50% | 40% |
| Urgent Care | $90/visit | $40/visit | $90/visit | $60/visit |
Hospital Stay / Health Services / Pregnancy
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Facility Fee for hospital stay | 50% | 50% | 50% | 40% |
| Physician/surgeon Fees | No Charge | No Charge | No Charge | No Charge |
| Mental health, behavioral health, or substance abuse services: Outpatient | $35 office, 50% other | $15 office, 30% other | $65 office, 50% other | $40 office, 40% other |
| Mental health, behavioral health, or substance abuse services: Inpatient | 50% | 50% | 50% | 40% |
| If you are pregnant – office visit | Primary: $35 / Specialist: $90 | Primary: $15 / Specialist: $40 | Primary: $65 / Specialist: $90 | Primary: $40 / Specialist: $80 |
| Childbirth/delivery/professional services | No Charge | No Charge | No Charge | No Charge |
| Childbirth/delivery facility services | 50% | 50% | 50% | 40% |
Help recovering / other special needs
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Home Health Care | No Charge | No Charge | No Charge | No Charge |
| Rehabilitation Services | $35/visit | $15/visit | $65/visit | $40/visit |
| Habilitation services | $35/visit | $15/visit | $65/visit | $40/visit |
| Skilled nursing care | 50% | 50% | 50% | 40% |
| Durable medical equipment | No Charge | No Charge | No Charge | No Charge |
| Hospice services | 50% | 50% | 50% | 40% |
Childrens Dental / Eye care
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Children’s eye exam | No Charge | No Charge | No Charge | No Charge |
| Children’s Glasses | No Charge | No Charge | No Charge | No Charge |
| Children’s Dental check-up | Not Covered | Not Covered | 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.)
| Not Covered | 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays |
| Acupuncture | Not Covered | Not Covered | Not Covered | Not Covered |
| Dental Care (Adult) | Not Covered | Not Covered | Not Covered | Not Covered |
| Long-term Care | Not Covered | Not Covered | Not Covered | Not Covered |
| Non-emergency care when traveling outside of US | Not Covered | Not Covered | Not Covered | Not Covered |
| Weight loss programs | Not Covered | Not Covered | Not Covered | Not Covered |
Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)
| 206 | 306 | 704 | Silver HMO Standard – Select Rx Copays | |
| Abortion care | Covered | Covered | Covered | Covered |
| Bariatric surgery | Covered | Covered | Covered | Covered |
| Chiropractic care | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) |
| Cosmetic surgery | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary |
| Hearing aids | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) |
| Infertility treatment | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) |
| Private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing |
| Routine eye care | Covered (1 visit per benefit period) | Covered (1 visit per benefit period) | Covered (1 visit per benefit period) | Covered (1 visit per benefit period) |
| Routine Foot Care | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary |
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