Find Your 2027 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.
NEW POS Overview: MyBlue Plus
Due to CMS limits on the number of products carriers can offer, BCBSIL discontinued Blue FocusCare HMO at the end of 2024 and launched MyBlue Plus, a POS plan, in its place. The plans below are the 2026 MyBlue Plus lineup.
PCP & REFERRALS: PCP Election is necessary & Referrals are required
PRODUCT FEATURES: Well onTarget & Blue Points, 24/7 Nurseline, Learn to Live, MDLIVE (Urgent care, Behavioral Health, Virtual primary care, Dermatology), and Mental Health Hub
MyBlue Plus Has Replaced Blue FocusCare HMO
| Blue FocusCare HMO | MyBlue Plus | |
| Service Area | Cook | Cook, DuPage, Kane, Kankakee, and Will |
| Potential Anchor Facilities | Ascension | Ascension, Endeavor Health, UChicago Medicine AdventHealth |
| Provider Assignment | Assigned at Medical Group Level | Assigned at individual provider level |
| Value Add Benefits | Well onTarget & Blue Points | Well onTarget & Blue Points, Bilingual 24/7 Nurseline: Learn to Live, MDLIVE, Mental Health Hub |
| Offers CMS Standard Plans | No | Yes |
| Out-of-Service Area Benefits | No, members are limited to in-network care except for emergency and urgent care and other services required by law. | Members can receive non-emergency / non-urgent care outside of the service area and contiguous border counties by receiving approved waiver. If members are approved for non-emergency / non-urgent care outside of the service and contiguous border counties, it will be at the in-network benefit level. |
MyBlue Plus - What We Know
MyBlue Plus Plan Summaries:
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 the 2026 plans.
All MyBlue Plus Bronze plans have $9,500 or $10,000 Out of Pocket Max, and 50% General Coinsurance.
- MyBlue Plus Bronze 903, $4,000 individual deductible
- MyBlue Plus Bronze 912, $1,500 individual deductible
- MyBlue Plus Bronze Standard, Rx Copays, $7,500 individual deductible
| Plan Name | PCP Office / Specialist | Prescription Drugs (Preferred) |
| MyBlue Plus Bronze 903 | $20 / 50% | 0% / 10% / 20% / 35% / 45% / 50% |
| MyBlue Plus Bronze 912 | $30 / $140 | $40 / $150 / 35% / 40% / 45% / 50% |
| MyBlue Plus Bronze Standard, Rx Copays | $50 / $100 | $25 / $50 / $100 / $500 |
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 the 2026 plans.
- MyBlue Plus Silver 907 (Off Exchange only): $1,800 individual deductible, and 50% coinsurance
- MyBlue Plus Silver 905 , $5,000 individual deductible, and 50% coinsurance
- MyBlue Plus Silver 906, $3,000 individual deductible, and 40% coinsurance
- MyBlue Plus Silver Standard, Rx Copays, $6,000 individual deductible, and 40% coinsurance
| Plan Name | PCP Office / Specialist Visit | Prescription Drugs (Preferred) |
| MyBlue Plus Silver 907 | $5 / 50% | $5 / $15 / 30% / 35% / 45% / 50% |
| MyBlue Plus Silver 905 | $65 / $90 | $5 / $15 / 15% / 40% / 45% / 50% |
| MyBlue Plus Silver 906 | $30 / $85 | 0% / 10% / 20% / 30% / 40% / 50% |
| MyBlue Plus Silver Standard, Rx Copays | $40 / $80 | $20 / $40 / $80 / $350 |
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 the 2026 plans.
- MyBlue Plus Gold 910, $250 individual deductible, and 40% coinsurance
- MyBlue Plus Gold 909, $1,000 individual deductible, and 30% coinsurance
- MyBlue Plus Gold Standard, Rx Copays, $2,000 individual deductible, and 25% coinsurance
| Plan Name | PCP Office / Specialist Visit | Prescription Drugs (Preferred) |
| MyBlue Plus Gold 910 | 20% / 40% | 10% / 20% / 30% / 35% / 45% / 50% |
| MyBlue Plus Gold 909 | $10 / $60 | $0 / $20 / 20% / 30% / 40% / 50% |
| MyBlue Plus Gold Standard, Rx Copays | $30 / $60 | $15 / $30 / $60 / $250 |
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