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IL-1040, Line 41 Health Insurance Information
If you checked the Health Insurance Checkbox on your Form IL-1040, Illinois Individual Income Tax Return, asking for health insurance information when you filed your state taxes this year, you should receive a letter by paper or email containing health insurance information.
Per P.A. 102-0799, the Illinois Department of Revenue (IDOR) will share your contact and income information with the Illinois Department of Healthcare and Family Services (HFS) and the Illinois Department of Insurance (IDOI) in order to provide information to you about your eligibility for health insurance benefits. The information provided to you will also include health insurance enrollment options.
The information shared with the other state agencies shall be kept confidential and used only in determining your eligibility for these benefits.
How do I get health insurance?
There are four main options for health insurance:
- Insurance plans offered on the Affordable Care Act (ACA) Marketplace or in the private market
- Medicaid
- Medicare
- Job-based health insurance
How can I get health insurance through the Affordable Care Act Marketplace?
Get Covered Illinois is the official ACA Marketplace for Illinois. Get Covered Illinois offers ACA Marketplace plans through https://www.healthcare.gov/ that are affordable and provide comprehensive coverage. This coverage includes free preventive services, prescription drugs, mental health services and emergency services. Financial help is available to purchase plans for people who meet income requirements. Get Covered Illinois also can help connect you with local, trained enrollment assisters and Navigators who provide free, expert assistance and help you enroll in the plan that is right for you. You can learn more about ACA Marketplace plans at https://getcovered.illinois.gov/ or by calling 1 866 311-1119.
Can I enroll in an ACA Marketplace plan today?
Yes! Open Enrollment for the 2025 ACA Marketplace began on November 1, 2024, and runs through January 15, 2025. If you wish for coverage to begin on January 1, 2024, you must sign up by December 15, 2024. Please visit https://getcovered.illinois.gov/shop-enroll/open-enrollment.html to learn more.
You may qualify for a Special Enrollment Period (SEP) to enroll in an ACA Marketplace plan outside of the Open Enrollment Period if you have experienced certain life events such as getting married, having a child, or losing your Medicaid or job-based health coverage. For a full list of life events that qualify for a Special Enrollment Period, visit: https://getcovered.illinois.gov/special-enrollment-period/special-enrollment.html.
Am I eligible for Medicaid?
Medicaid is a government-funded, comprehensive health insurance program that covers low-income adults, children, pregnant people, and people with disabilities. If you are eligible and enroll in Medicaid, you will not need to pay any premiums, deductibles, or co-pays for health insurance coverage. Medicaid has a year-round process. You can apply and enroll in Medicaid at any time. You can apply for Medicaid coverage at https://abe.illinois.gov or by calling the Department of Human Services (DHS) Help Line at 1 800 843-6154. You also can visit a DHS Family and Community Resource Center (FCRC) to apply with in-person help. You can find an FCRC near you at www.dhs.illinois.gov/officelocator.
Am I eligible for Medicare?
Medicare is the federal program that provides affordable, government-funded insurance for persons, age 65 and older, and select persons with disabilities. You can learn more about Medicare and its various coverage options (including Medigap) by visiting the Illinois Department on Aging (IDOA) Senior Health Insurance Program (SHIP) website at https://ilaging.illinois.gov/ship.html or calling 1 800 252-8966.
How can I get health insurance through work?
Ask your employer about the health benefits that are offered. The ACA requires that employers with more than 50 full-time employees and/or full-time equivalents provide affordable insurance options to their employees. Employees who work 30 or more hours per week are considered full-time. Employer plans may have a time-limited special enrollment period for employees who lose other health coverage.