Illinois
Cheapest ACA plans in Crystal Lake, Illinois for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Crystal Lake is in McHenry County, Illinois. 6 carriers sell 2026 ACA plans on Get Covered Illinois for residents of McHenry County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $390/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in McHenry County, including Crystal Lake.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Crystal Lake (McHenry County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in McHenry County |
|---|---|---|
| Catastrophic | $374 | 2 |
| Bronze | $390 | 4 |
| Expanded Bronze | $410 | 15 |
| Gold | $486 | 22 |
| Silver | $581 | 25 |
The actual cheapest Bronze plan in Crystal Lake
Oscar Health Plan, Inc. Bronze Simple (Choice)
$390/moFor a family of four (two 40-year-olds and two kids under 14): Oscar Health Plan, Inc. Bronze Simple (Choice) at $1,248/month before subsidies.
Carriers selling 2026 plans in Crystal Lake
6 carriers sell 2026 plans on Get Covered Illinois for McHenry County residents. 80 plans total in McHenry County.
What you'll actually pay in Crystal Lake
Estimated monthly net premium for the cheapest Bronze plan above ($390/mo before subsidy) on Get Covered Illinois, after federal APTC. APTC is computed against the McHenry Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $492/mo | $0/mo |
| $40,000 | 256% | $302/mo | $88/mo |
| $60,000 | 383% | $91/mo | $299/mo |
| $100,000 | 639% | — | $390/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,321/mo | $0/mo |
| $130,000 | 404% | — | $1,248/mo |
| $200,000 | 622% | — | $1,248/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Crystal Lake, Illinois for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Oscar Health Plan, Inc. Bronze Simple (Choice) at $390 per month before subsidies. Plans sell through Get Covered Illinois. Crystal Lake is in McHenry County, Illinois; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Crystal Lake's 2026 ACA pricing compare to other Illinois cities?
Cheapest Bronze for a 40-year-old in Crystal Lake is $390 per month before subsidies. For comparison: Chicago at $373/mo; Peoria at $556/mo; Rockford at $546/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Is Illinois on Healthcare.gov?
No. Illinois launched its own state-based exchange, Get Covered Illinois, for PY2026. Previously Illinois used Healthcare.gov as an SBE-FP, but enrollment now runs through the state platform at getcoveredillinois.gov.
Has Illinois expanded Medicaid?
Yes, effective January 1, 2014. Illinois was an early-adopter expansion state. Adults 19-64 with income up to 138% FPL qualify regardless of parental status or disability, administered by the Illinois Department of Healthcare and Family Services. There is no coverage gap in Illinois.
When is Illinois Open Enrollment for 2026?
Get Covered Illinois Open Enrollment runs November 1, 2025 through January 15, 2026. Enroll by December 15 for a January 1 effective date; enrollments December 16 through January 15 take effect February 1. Special Enrollment is available year-round for qualifying life events.
More Illinois pricing
- Statewide Illinois pricing and metal tiers
- Chicago pricingcheapest Bronze $373/mo
- Peoria pricingcheapest Bronze $556/mo
- Rockford pricingcheapest Bronze $546/mo
Sources
- Get Covered Illinois for SBE enrollment, OEP dates, and APTC application.
- Illinois Department of Insurance for rate review, carrier filings, and consumer guidance.
- Illinois Department of Healthcare and Family Services for Medicaid eligibility and expansion enrollment.
- KFF: Illinois State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.