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.
MyBlue Plus POS Silver Plans
MyBlue Plus is a newer network, launched in 2025 after discontinuing BlueFocus Care HMO. This new network offers a low-cost solution for cost-conscious members who purchase health insurance through Get Covered Illinois or directly from BCBSIL. Highlights of MyBlue Plus POS include:
- Claims processing and health care management through Blue Cross and Blue Shield of Illinois
- Primary care provider election assigned at the individual provider level
- Referrals required to access in-network benefits, except for PCP services
- Out-of-network benefit to provide additional access to care
- Service area: Cook, DuPage, Kane, Kankakee and Will counties
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.
Below is a summary of the four MyBlue Plus POS Silver Plan Options. See toggles below for each plan detail or download the available plan summaries.
- 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 907 (Off Exchange only): $1,800 individual deductible, and 50% coinsurance
- MyBlue Plus Silver Standard, Rx Copays, $6,000 individual deductible, and 40% coinsurance
Lower-cost versions of MyBlue Plus Silver (cost-sharing reductions)
If you buy MyBlue Plus Silver 905, 906 or Standard through Get Covered Illinois and your household income is between 100% and 250% of the federal poverty level, you get a lower-cost version of the plan, called a cost-sharing reduction (CSR). You pay the Silver premium, but your deductible, out-of-pocket maximum and copays drop. Figures are from BCBSIL’s 2026 Summary of Benefits and Coverage for each version (click to open). Silver 907 is sold off-exchange only and has no CSR versions.
| Plan and income level | Deductible (in-network) | Out-of-pocket max | Primary care / Specialist | Generic drugs |
| 905: Standard (above 250% FPL) | $5,000 / $10,000 | $8,000 / $16,000 | $65 / $90 | $5 / $15 |
| 905: 73% CSR (200% to 250% FPL) | $2,000 / $4,000 | $7,400 / $14,800 | $65 / $90 | $5 / $15 |
| 905: 87% CSR (150% to 200% FPL) | $750 / $1,500 | $3,300 / $6,600 | $30 / $55 | No Charge |
| 905: 94% CSR (100% to 150% FPL) | $0 / $0 | $2,200 / $4,400 | No Charge / No Charge | No Charge |
| 906: Standard (above 250% FPL) | $3,000 / $6,000 | $10,100 / $20,200 | $30 / $85 | No Charge after deductible |
| 906: 73% CSR (200% to 250% FPL) | $3,000 / $6,000 | $7,900 / $15,800 | $25 / $45 | No Charge after deductible |
| 906: 87% CSR (150% to 200% FPL) | $600 / $1,200 | $2,950 / $5,900 | $20 / $35 | No Charge after deductible |
| 906: 94% CSR (100% to 150% FPL) | $500 / $1,000 | $700 / $1,400 | $10 / $25 | No Charge after deductible |
| Standard: Standard (above 250% FPL) | $6,000 / $12,000 | $8,900 / $17,800 | $40 / $80 | $20 / $60 |
| Standard: 73% CSR (200% to 250% FPL) | $3,000 / $6,000 | $7,400 / $14,800 | $40 / $80 | $20 / $60 |
| Standard: 87% CSR (150% to 200% FPL) | $700 / $1,400 | $3,300 / $6,600 | $20 / $40 | $10 / $30 |
| Standard: 94% CSR (100% to 150% FPL) | $0 / $0 | $2,200 / $4,400 | No Charge / $10 | No Charge |
Deductible and out-of-pocket max are individual / family. Generic drug costs: two amounts are retail / mail order.
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
| 905 | 906 | 907 (off ex only) | Silver Standard, Select Rx Copays | |
| Overall Deductible Individual/Family | $5,000/ $10,000 | $3,000/ $6,000 | $1,800/ $3,600 | $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** | $8,000/ $16,000 | $10,100 / $20,200 | $8,900/ $17,800 | $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
| 905 | 906 | 907 (off ex only) | Silver Standard, Select Rx Copays | |
| Primary Care for injury/illness | $65/visit | $30/visit | $5/visit | $40/visit |
| Specialist visit | $90/visit | $85/visit | 50% | $80/visit |
| Preventative care/screening | No Charge | No Charge | No Charge | No Charge |
| Diagnostic test (xray, blood) Freestanding / Hospital | $90/test | 40% | 30% | 40% |
| Imaging (CT/PET/MRI) Freestanding / Hospital | $250/test | 40% | 30% | 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
| 905 | 906 | 907 (off ex only) | Silver Standard, Select Rx Copays | |
| Generic Drugs (Preferred) | $5 / $15 | No Charge after deductible | $5 / $15 | $20 / $60 |
| Generic Drugs (Non Preferred) | $15 / $45 | 10% | $15 / $45 | NA |
| Brand drugs (Preferred) | 15% | 20% | 30% | $40 / $120 |
| Brand Drugs Non Preferred | 40% | 30% | 35% | $80 / $240 |
| Specialty Drugs Preferred | 45% | 40% | 45% | $350 |
| Specialty Drugs Non Preferred | 50% | 50% | 50% | NA |
Outpatient Surgery / Emergency Comparison
| 905 | 906 | 907 (off ex only) | Silver Standard, Select Rx Copays | |
| Facility Fee | $250/visit + 50% | 40% | $600/visit + 30% | 40% |
| Facility fee Hospital | NA | NA | NA | NA |
| Physician/surgeon Fee | $90/visit | 40% | $200/visit + 50% | 40% |
| Emergency Room Care | 50% | 40% | 50% | 40% |
| Emergency Medical Transportation | 50% | 40% | 50% | 40% |
| Urgent Care | $100/visit | $45/visit | $15/visit | $60/visit |
Hospital Stay / Health Services / Pregnancy
| 905 | 906 | 907 (off ex only) | Silver Standard, Select Rx Copays | |
| Facility Fee for hospital stay | 50% | 40% | 50% | 40% |
| Physician/surgeon Fees | 50% | 40% | 50% | 40% |
| Mental health, behavioral health, or substance abuse services: Outpatient | $65 office / 50% other | $30 office / 40% | 50% office / 30% other | $40 office / 40% other |
| Mental health, behavioral health, or substance abuse services: Inpatient | 50% | 40% | 50% | 40% |
| If you are pregnant, office visit | Primary: $65 / Specialist: $90 | Primary: $30 / Specialist: $85 | Primary: $5 / Specialist: 50% | Primary: $40 / Specialist: $80 |
| Childbirth/delivery/professional services | 50% | 40% | 50% | 40% |
| Childbirth/delivery facility services | 50% | 40% | 50% | 40% |
Help recovering / other special needs
| 905 | 906 | 907 (off ex only) | Silver Standard, Select Rx Copays | |
| Home Health Care | 50% | 40% | 50% | 40% |
| Rehabilitation Services | 50% | $30/visit | 50% | $40/visit |
| Habilitation services | 50% | $30/visit | 50% | $40/visit |
| Skilled nursing care | 50% | 40% | 50% | 40% |
| Durable medical equipment | 50% | 40% | 50% | 40% |
| Hospice services | 50% | 40% | 50% | 40% |
Childrens Dental / Eye care
| 905 | 906 | 907 (off ex only) | Silver 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.)
| 905 | 906 | 907 (off ex only) | Silver 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 |
| Routine eye care (adult) | Covered (Adult) | Covered (Adult) | Covered (Adult) | Covered (Adult) |
| 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.)
| 905 | 906 | 907 (off ex only) | Silver 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 Foot Care | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary |
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