The health insurance industry in Illinois plays a vital role in providing coverage for individuals, families, and businesses. Companies range from large national players to smaller niche providers, focusing on products like Medicaid, Medicare, accident, disability, and supplemental health insurance. With a growing emphasis on personalized care and digital health solutions, the industry is navigating a landscape of rising healthcare costs and increasing demand for innovation. As technology advances and consumer preferences evolve, health insurance companies are exploring telemedicine and wellness programs to enhance healthcare delivery. Understanding these dynamics is crucial for stakeholders in this essential sector.


This list highlights 22 health insurance companies based in Illinois, ranging from large corporations to smaller agencies. The companies vary in size, with some employing over 10,000 individuals, while others operate with fewer than 50. They were founded over various decades, with some like Health Care Service Corporation originating in 1936, and others like Clear Spring Health established more recently in 2017. The companies specialize in a variety of areas including individual health insurance, employee benefits, and Medicare solutions, showcasing the mixed landscape of firms dedicated to addressing a variety of healthcare needs.


Continue reading to learn about the top health insurance companies in Illinois.


Top 22 Health Insurance Companies in Illinois


1. Health Care Service Corporation


Health Care Service Corporation (HCSC) is a prominent health insurance provider based in Chicago, Illinois. Established in 1936, HCSC operates as a mutual legal reserve company, which means it is owned by its policyholders rather than shareholders. This structure allows HCSC to focus on delivering value to its members. The company offers a comprehensive range of health benefit solutions, including life, disability, and dental insurance, catering to individuals, families, and businesses. HCSC serves over 23 million members across Illinois, Montana, New Mexico, Oklahoma, and Texas. The company is dedicated to expanding access to quality healthcare and improving health outcomes through various initiatives, such as community health programs and partnerships aimed at addressing social determinants of health. HCSC's commitment to corporate social responsibility is evident in its efforts to support local communities, enhance health equity, and promote sustainable practices. With a workforce of over 28,000 employees, HCSC is well-positioned to drive innovation and improve healthcare delivery in the regions it serves.


2. Combined, a Chubb Company

  • Website: combinedinsurance.com
  • Ownership type: Corporate
  • Headquarters: Chicago, Illinois, United States (USA)
  • Employee distribution: United States (USA) 66%, Canada 32%, Other 2%
  • Latest funding: January 2021
  • Founded year: 1922
  • Headcount: 5001-10000
  • LinkedIn: combined-insurance

Combined Insurance Company of America, a Chubb company, is an insurance provider based in Chicago, Illinois, specializing in supplemental health, accident, disability, and life insurance products. Founded in 1922, the company has built a robust portfolio aimed at individuals, families, and businesses, offering tailored solutions to fill coverage gaps and alleviate financial insecurities related to health issues. With a workforce of over 5,000 employees, Combined operates primarily in the United States and Canada, serving millions of policyholders. The company is recognized for its commitment to making supplemental insurance easy to understand and accessible. It has received an A+ rating from AM Best, indicating strong financial stability. Combined's products are marketed through independent agents and brokers, ensuring a broad reach in the market. Their focus on supplemental benefits is particularly relevant in today's healthcare environment, where many individuals seek additional coverage to complement their primary health insurance plans.


3. Guarantee Trust Life Insurance Company

  • Website: gtlic.com
  • Ownership type: Private
  • Headquarters: Glenview, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1936
  • Headcount: 201-500
  • LinkedIn: guarantee-trust-life-insurance

Guarantee Trust Life Insurance Company (GTL), based in Glenview, Illinois, has been a player in the insurance industry since its inception in 1936. The company specializes in supplemental health and life insurance products, providing essential coverage options that help individuals and groups manage the financial risks associated with health issues. GTL's product lineup includes hospital indemnity insurance, cancer insurance, short-term care insurance, and Medicare supplements, among others. This focus on supplemental insurance is crucial as it addresses the gaps left by primary health insurance plans, particularly in an era of rising healthcare costs. GTL prides itself on its strong financial condition, a conservative investment philosophy, and a commitment to personalized customer service. Their innovative approach is highlighted by their early adoption of life insurance for individuals with HIV and the introduction of advanced insurance products like Precision Care Cancer Insurance, which offers genomic sequencing services. With a workforce of around 291 employees, GTL remains dedicated to supporting its policyholders and contributing to community welfare through various charitable initiatives.


4. Independent Health Agents


Independent Health Agents, based in Chicago, Illinois, is a private insurance agency that has been operational since 2007. The company specializes in health insurance services, offering a range of products that include individual health insurance, Medicare supplements, and employer group plans. They cater to both individuals and businesses, assisting clients in navigating the often complex health insurance landscape. With a team of experienced agents, Independent Health Agents aims to provide personalized service, ensuring that clients find coverage options that suit their specific needs. The agency operates in 46 states across the U.S., reflecting its broad reach and commitment to serving a wide array of customers. Their website highlights a focus on customer satisfaction, with numerous testimonials praising their agents for their professionalism and dedication. This emphasis on service, combined with their extensive product offerings, positions Independent Health Agents as a relevant player in the health insurance industry.


5. Clear Spring Health

  • Website: clearspringhealthcare.com
  • Ownership type: Private
  • Headquarters: Park Ridge, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2017
  • Headcount: 51-200
  • LinkedIn: clearspringhealth

Clear Spring Health, founded in 2017 and based in Park Ridge, Illinois, is a private health insurance provider that specializes in Medicare Advantage plans. The company primarily serves Medicare beneficiaries, offering a variety of plans that include chronic illness coverage and additional benefits such as dental and prescription drug coverage. Clear Spring Health operates in several states, including Colorado, Georgia, and Illinois, and aims to provide affordable healthcare options tailored to the needs of seniors. The company has established a reputation for its $0 premium plans and comprehensive coverage options, which are designed to enhance the quality of life for its members. Clear Spring Health has not reported any funding, indicating a self-sustaining business model focused on its core offerings in the Medicare market.


6. Healthcare Solutions Team


Healthcare Solutions Team, based in Lombard, Illinois, is a private insurance agency founded in 2007. The company specializes in a range of insurance products, including health, dental, life, and Medicare insurance. They cater to both individual consumers and businesses, providing customized solutions to meet specific needs. With a workforce of over 1,000 employees, Healthcare Solutions Team emphasizes the importance of personal interaction in the insurance process, aiming to simplify the often complex world of insurance for their clients. Their agents are noted for their industry knowledge and commitment to finding affordable coverage options. The company has not reported any funding, indicating a self-sustaining business model that relies on its operational capabilities and client relationships.


7. K&B Financial (a Partner of Árachas Group)

  • Website: kbfinancialinc.com
  • Ownership type: Private
  • Headquarters: Darien, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1994
  • Headcount: 11-50
  • LinkedIn: k%26b-financial-inc-

K&B Financial, Inc. is an insurance agency based in Darien, Illinois, established in 1994. The company specializes in health insurance solutions, with a particular emphasis on Medicare supplement products. As an authorized agent for Blue Cross and Blue Shield of Illinois, K&B Financial assists individuals and families in navigating their healthcare options. With a dedicated team of licensed professionals, they have served over 20,000 clients, providing personalized guidance in selecting appropriate insurance coverage. Their services extend beyond Medicare to include life insurance, travel insurance, dental, vision, and group insurance. K&B Financial prides itself on exceptional customer service and has developed a strong network of sub-agents across Illinois to enhance their reach and service delivery. Recently, they have partnered with Árachas Group, which further strengthens their capabilities in the health insurance market.


8. BCS Financial Corporation

  • Website: bcsf.com
  • Ownership type: Private
  • Headquarters: Oakbrook Terrace, Illinois, United States (USA)
  • Employee distribution: United States (USA) 95%, Russia 4%, Other 2%
  • Founded year: 1953
  • Headcount: 51-200
  • LinkedIn: bcs-financial-corporation

BCS Financial Corporation, founded in 1953 and based in Oakbrook Terrace, Illinois, is a private insurance and financial services provider. The company offers a range of innovative insurance solutions, including Fixed Indemnity and Stop Loss insurance, primarily targeting Blue Cross Blue Shield companies and commercial markets. BCS Financial is dedicated to managing healthcare costs and providing financial protection against unpredictable claims. Their product offerings also include Group Voluntary insurance, International Health solutions, and specialized services for gene therapy, reflecting their proactive approach to evolving healthcare needs. With a workforce of approximately 219 employees, BCS Financial operates predominantly in the United States, with a small presence in Russia and other regions. The company underwrites its U.S. insurance products through BCS Insurance Company and 4 Ever Life Insurance Company, ensuring a robust operational framework within the health insurance industry.


9. VistaNational Insurance Group, Inc.

  • Website: vistanational.com
  • Ownership type: Corporate
  • Headquarters: Oak Brook, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: September 2022
  • Founded year: 1996
  • Headcount: 11-50
  • LinkedIn: vistanational-insurance-group-inc.

VistaNational Insurance Group, Inc., based in Oak Brook, Illinois, has been a player in the insurance industry since its founding in 1996. The company specializes in employee benefits, offering a wide array of products that include health, dental, life, and disability insurance. They also provide wellness programs and telemedicine services, catering primarily to businesses that aim to enhance their employee benefits while keeping costs manageable. With a team that boasts over 200 years of combined experience in employee benefits, VistaNational is well-equipped to navigate the complexities of health insurance and compliance. Their commitment to customer service is evident through their concierge services and educational resources, which help clients understand and utilize their benefits effectively. This focus on tailored solutions and support positions VistaNational as a significant entity in the health insurance market.


10. Integrity Insurance and Financial Services IL, TX


Integrity Insurance and Financial Services IL, TX, founded in 2004 and based in Orland Park, Illinois, operates as a private insurance agency. The company offers a comprehensive suite of health insurance products, including Medicare Supplement, Medicare Advantage, and various individual and group health plans. Their approach emphasizes personalized service, aiming to assist clients in understanding and selecting the right coverage for their needs. Integrity Insurance has been recognized multiple times as the Exclusive General Agency of the Year by Blue Cross Blue Shield of Illinois and Texas, reflecting their strong performance and client service in the health insurance market. The firm is dedicated to enhancing clients' long-term financial success through tailored insurance solutions and ongoing support, including annual check-ins and personalized medication planning.


11. Delta Dental of Illinois

  • Website: deltadentalil.com
  • Ownership type: Private
  • Headquarters: Naperville, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1967
  • Headcount: 51-200
  • LinkedIn: delta-dental-of-illinois

Delta Dental of Illinois, founded in 1967 and based in Naperville, Illinois, is a private insurance provider that specializes in dental and vision insurance services. The company offers a variety of plans tailored for individuals, families, and groups, with a strong focus on enhancing access to oral and visual healthcare. Their services include innovative features like virtual dental visits, allowing members to consult with dentists remotely, which reflects a modern approach to healthcare delivery. Delta Dental of Illinois is part of the Delta Dental Plans Association, which provides dental coverage across all 50 states and U.S. territories. The company is also committed to social impact, having invested nearly $2 million to support oral health education and improve access to quality care in Illinois. This involvement highlights their dedication to not just insurance, but also community health and well-being.


12. Allied Benefit Systems

  • Website: alliedbenefit.com
  • Ownership type: Private Equity
  • Headquarters: Chicago, Illinois, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Latest funding: February 2021
  • Founded year: 1980
  • Headcount: 501-1000
  • LinkedIn: allied-benefit-systems

Allied Benefit Systems, based in Chicago, Illinois, is a healthcare solutions provider that has been operational since 1980. The company specializes in creating custom health insurance plans and administrative services tailored to the needs of employers. As the largest independent third-party administrator in the United States, Allied focuses on helping organizations manage healthcare costs while enhancing employee benefits. Their services include administrative support, analytics, and care solutions, which are designed to improve the healthcare experience for both employers and employees. Allied collaborates closely with clients and benefits consultants to develop innovative self-insurance solutions that align with organizational goals. The company has a strong emphasis on data-driven decision-making and member-focused solutions, which are critical in today's healthcare environment.


13. United Health Insure

  • Website: uhinsure.com
  • Ownership type: Private
  • Headquarters: Palos Heights, Illinois, United States (USA)
  • Employee distribution: United States (USA) 74%, Pakistan 13%, Indonesia 13%
  • Founded year: 1993
  • Headcount: 11-50
  • LinkedIn: united-insurance-services

United Health Insure, based in Palos Heights, Illinois, has been serving the health insurance needs of Illinois residents since 1993. The company specializes in Medicare and supplemental insurance services, catering primarily to seniors. With a dedicated team of professionals, United Health Insure aims to provide personalized service, helping clients understand their options and find suitable coverage. They have a strong affiliation with Blue Cross and Blue Shield of Illinois, which enhances their credibility and reliability in the market. The company also offers services for individuals under 65, including ACA plans, dental, and vision coverage. Their commitment to customer service and building long-term relationships with clients has been a cornerstone of their operations.


14. State Farm

  • Website: statefarm.com
  • Ownership type: Private
  • Headquarters: Bloomington, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1922
  • Headcount: 10001+
  • LinkedIn: state_farm

State Farm, founded in 1922 and headquartered in Bloomington, Illinois, is a prominent insurance and financial services provider. With over 106,000 employees, the company serves individuals, families, and small businesses across the United States. State Farm offers a wide range of insurance products, including auto, home, life, and health insurance, as well as investment services. In the health insurance sector, State Farm provides supplemental health insurance, Medicare supplement insurance, and disability insurance, catering to the needs of its customers. The company operates through a network of approximately 19,000 agents, ensuring personalized service and support for policyholders. State Farm's long-standing presence in the industry and its commitment to helping customers manage risks and protect their assets underscore its relevance in the insurance market.


15. MoreCare

  • Website: mymorecare.com
  • Ownership type: Private
  • Headquarters: Chicago, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2018
  • Headcount: 11-50
  • LinkedIn: morecare

MoreCare, based in Chicago, Illinois, is a private health insurance provider that specializes in health maintenance organization (HMO) plans and prescription drug coverage. Established in 2018, the company aims to offer affordable healthcare solutions to individuals. MoreCare provides a variety of plans, including MoreCare For You, MoreCare +, MoreCare Home, and MoreCare At Home, catering to different healthcare needs. The company also emphasizes accessibility through resources such as a searchable pharmacy directory and medication management services, which assist members in managing their prescriptions and finding in-network pharmacies. With a workforce of 38 employees, MoreCare operates entirely within the United States, focusing on delivering personalized support to its members. The absence of reported funding suggests that the company is self-sustained, but it may also indicate limitations in scaling operations or expanding its market reach.


16. United Insurance Services


United Insurance Services, now operating as United Health Insure, is a private health insurance provider based in Palos Heights, Illinois. Founded in 1993, the company has carved out a niche in the health insurance market by specializing in Medicare and supplemental insurance services. They assist individuals, particularly seniors, in understanding and navigating their health insurance options. Their offerings include Medicare Supplement insurance and prescription drug coverage, which are critical for many seniors. United Health Insure prides itself on personalized service, ensuring that clients receive tailored advice and support. The company has a notable affiliation with Blue Cross and Blue Shield of Illinois, which bolsters their reputation and allows them to offer reliable coverage options. Their focus on building long-term relationships with clients reflects their commitment to meeting specific health insurance needs in Illinois.


17. IXSolutions

  • Website: ixshealth.com
  • Ownership type: Private
  • Headquarters: Chicago, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2011
  • Headcount: 11-50
  • LinkedIn: ixshealth

IXSolutions, founded in 2011 and based in Chicago, Illinois, operates as an insurance brokerage and employee benefits consultant. With a team that boasts over 30 years of combined experience, the company provides a range of health insurance solutions tailored for businesses and individuals. Their offerings include comprehensive employee benefits packages, individual and family health insurance, and specialized Medicare plans. IXSolutions aims to simplify the complexities of health insurance, ensuring clients can navigate their options effectively. They have established partnerships with notable organizations, such as the US Chamber of Commerce and MetLife, which allows them to stay informed on industry trends and best practices. This positions IXSolutions as a trusted partner for thousands of clients across the country, helping them secure the best possible insurance coverage for their unique needs.


18. Ebrm - Employee Benefit Risk Management Services, INC.


EBRM - Employee Benefit Risk Management Services, INC., founded in 1976 and based in Oak Brook, Illinois, operates as a health insurance brokerage. The company is licensed to conduct business in 49 states and has established itself as a significant player in the employee benefits and risk management sector. EBRM offers a range of health insurance products, focusing on small group and individual policies. They pride themselves on providing no-fee services to brokers, which allows agents to access expert support without incurring additional costs. EBRM's expertise is backed by a team of in-house underwriters and customer service representatives who are well-versed in the intricacies of health insurance policies. With over 4,000 agents relying on their services, EBRM manages policies totaling more than $300 million in premium. Their commitment to education and training for agents further enhances their role in the industry, making them a valuable resource for those navigating the complexities of health insurance.


19. ACA Marketplace Enrollment Solutions


ACA Marketplace Enrollment Solutions, also known as Preferred Health Insurance Solutions, is a private health insurance agency based in Bedford Park, Illinois. Founded in 1986, the company specializes in providing enrollment services for individuals and businesses seeking health insurance under the Affordable Care Act. They offer a range of products, including individual and employer health plans, COBRA, and telemedicine services. Their licensed agents are trained to assist clients in understanding their options, determining subsidy eligibility, and navigating the health insurance marketplace. The company emphasizes a customer-centric approach, with a multilingual call center staffed by certified professionals ready to guide clients through the enrollment process. They have established relationships with various national and regional carriers, enabling them to offer a variety of health insurance solutions tailored to meet the needs of their clients.


20. Danzig Group

  • Website: ddanzig.com
  • Ownership type: Private
  • Headquarters: Deerfield, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: danziggroup

Danzig Group, founded in 1997 and based in Deerfield, Illinois, is a private insurance agency that specializes in employee benefits and insurance services. The company offers a wide range of products, including health, dental, and life insurance, along with consulting services aimed at helping businesses manage their employee benefits effectively. With a team of experienced professionals, Danzig Group has established itself as a trusted partner for various organizations seeking comprehensive insurance solutions. They have developed innovative tools such as a New-Hire Onboarding Portal and have the capability to integrate with payroll and HRIS systems, enhancing their service delivery. Their client base includes a variety of businesses, and they are recognized for their commitment to providing superior service and support. Danzig Group has not reported any funding, indicating they operate independently without external financial backing.


21. Healthcare Solutions Team

  • Website: myhst.com
  • Ownership type: Private
  • Headquarters: Lombard, Illinois, United States (USA)
  • Employee distribution: United States (USA) 98%, Georgia 2%
  • Founded year: 2007
  • Headcount: 11-50
  • LinkedIn: myhst

Healthcare Solutions Team, based in Lombard, Illinois, is a private insurance agency that has been operational since 2007. The company offers a range of healthcare insurance products, including individual and family health insurance, dental insurance, life and critical illness insurance, Medicare solutions, and group plans for businesses. With a workforce of approximately 88 employees, Healthcare Solutions Team prides itself on providing personalized service through a network of experienced agents. They focus on helping clients find affordable coverage tailored to their specific needs, emphasizing the importance of human interaction in an increasingly automated industry. The company has built a reputation for guiding clients through the complexities of health insurance, ensuring they receive the best possible coverage. Their approach has resulted in a significant client base, with over 1.1 million satisfied customers. Healthcare Solutions Team operates primarily in the United States, with a strong presence in Georgia and other states, and continues to grow its network of agents nationwide.


22. Prairie States Enterprises, Inc.


Prairie States Enterprises, Inc., founded in 1989, operates as a health benefits administrator based in Chicago, Illinois. The company provides a range of services that include claims administration, wellness programs, and health management solutions. They cater primarily to self-insured companies, offering tools and insights aimed at controlling healthcare costs while maintaining high-quality care for employees. Their approach integrates clinical expertise with personalized service, ensuring that both employers and members receive attentive support. Prairie States has built a reputation for its commitment to compassionate service, with a team of experienced professionals dedicated to enhancing the health benefits experience. Their innovative strategies and data-driven technologies position them as a significant player in the health benefits administration space, making them a relevant choice for businesses seeking effective health insurance solutions.



Health Insurance Insights: Key Companies in Illinois


CompanyHeadquarterSizeFoundedOwnership
Health Care Service CorporationChicago, Illinois, United States (USA)10001+1936Private
Combined, a Chubb CompanyChicago, Illinois, United States (USA)5001-100001922Corporate
Guarantee Trust Life Insurance CompanyGlenview, Illinois, United States (USA)201-5001936Private
Independent Health AgentsChicago, Illinois, United States (USA)51-2002007Private
Clear Spring HealthPark Ridge, Illinois, United States (USA)51-2002017Private
Healthcare Solutions TeamLombard, Illinois, United States (USA)1001-50002007Private
K&B Financial (a Partner of Árachas Group)Darien, Illinois, United States (USA)11-501994Private
BCS Financial CorporationOakbrook Terrace, Illinois, United States (USA)51-2001953Private
VistaNational Insurance Group, Inc.Oak Brook, Illinois, United States (USA)11-501996Corporate
Integrity Insurance and Financial Services IL, TXOrland Park, Illinois, United States (USA)11-502004Private
Delta Dental of IllinoisNaperville, Illinois, United States (USA)51-2001967Private
Allied Benefit SystemsChicago, Illinois, United States (USA)501-10001980Private Equity
United Health InsurePalos Heights, Illinois, United States (USA)11-501993Private
State FarmBloomington, Illinois, United States (USA)10001+1922Private
MoreCareChicago, Illinois, United States (USA)11-502018Private
United Insurance ServicesPalos Heights, Illinois, United States (USA)11-501993Private
IXSolutionsChicago, Illinois, United States (USA)11-502011Private
Ebrm - Employee Benefit Risk Management Services, INC.Oak Brook, Illinois, United States (USA)51-2001970Private
ACA Marketplace Enrollment SolutionsBedford Park, Illinois, United States (USA)51-2001986Private
Danzig GroupDeerfield, Illinois, United States (USA)11-501997Private
Healthcare Solutions TeamLombard, Illinois, United States (USA)11-502007Private
Prairie States Enterprises, Inc.Chicago, Illinois, United States (USA)51-2001989Private


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