The individual health insurance industry in Illinois provides critical coverage for those seeking personal health care solutions. With companies ranging from large insurers to niche organizations, there is a focus on offering a variety of products, including Medicaid, Medicare supplements, and family plans. The shift toward personalized care is becoming increasingly notable, as consumers demand tailored services that address their specific needs. Additionally, many companies are actively working to simplify the enrollment process and enhance customer support, positioning themselves for growth in a competitive market as or digital options emerge alongside traditional plans.

This list highlights 24 companies in Illinois dedicated to individual health insurance. Styles vary in size, with some employing thousands while smaller agencies focus on personalized service. Many were founded several decades ago, showcasing industry stability, while some new entrants bring fresh innovation. Companies concentrate on providing diverse offerings, including supplements and Medicare plans, indicating market adaptability and a commitment to clients' varied health care needs.

Continue reading to learn more about Illinois' top individual health insurance companies.

Top 24 Individual Health Insurance Companies in Illinois

1. Health Care Service Corporation

• Website: hcsc.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Founded year: 1936
• Headcount: 10001+
• LinkedIn: blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-%26-texas

Health Care Service Corporation (HCSC), founded in 1936 and based in Chicago, Illinois, is a prominent health insurance provider in the United States. The company operates under the Blue Cross Blue Shield brand and serves over 23 million members across five states: Illinois, Montana, New Mexico, Oklahoma, and Texas. HCSC offers a comprehensive range of health benefit solutions, including individual and family health plans, life insurance, disability coverage, and dental insurance. The company is dedicated to improving health outcomes and expanding access to quality care through various initiatives and community investments. HCSC's commitment to corporate social responsibility is evident in its efforts to address social determinants of health, such as food access and economic stability, which are crucial for enhancing overall community health. With a workforce of nearly 28,000 employees, HCSC is well-positioned to drive innovation and provide effective health solutions to its members.

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, with a history dating back to 1922. The company specializes in supplemental health, accident, disability, and life insurance products, catering to individuals, families, and businesses. With a workforce of over 5,000 employees, Combined operates primarily in the United States and Canada, offering tailored insurance solutions designed to address coverage gaps and financial insecurities related to health issues. The company is dedicated to simplifying the world of supplemental insurance, ensuring that clients can easily understand their options. Combined has received an A+ (Superior) financial strength rating from AM Best, reflecting its robust financial health. The company has also been recognized as a top military-friendly employer, showcasing its commitment to supporting veterans and their families. Through its various insurance products, Combined aims to provide essential coverage that complements traditional medical insurance, thereby enhancing the financial security of its policyholders.

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 founding in 1936. The company specializes in supplemental health and life insurance products, providing a range of solutions designed to help individuals and groups manage medical expenses and financial risks associated with health issues. GTL's product lineup includes hospital indemnity insurance, cancer insurance, short-term care insurance, and Medicare supplement plans, among others. This focus on supplemental coverage is particularly relevant as healthcare costs continue to rise, and many individuals seek additional financial protection beyond standard health insurance. GTL prides itself on its strong financial condition and commitment to customer service, ensuring that policyholders receive personalized support when navigating their insurance needs. The company also emphasizes corporate citizenship, actively engaging in charitable initiatives and community support, which reflects its values and commitment to social responsibility.

4. Independent Health Agents

• Website: independenthealthagents.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2007
• Headcount: 51-200
• LinkedIn: independent-health-agents

Independent Health Agents, founded in 2007 and based in Chicago, Illinois, is a private insurance agency that specializes in health insurance services. The company offers a range of products, including individual health insurance, Medicare supplements, and employer group plans. Their clientele consists of both individuals and businesses seeking guidance in selecting suitable health coverage options. With a team of experienced agents, Independent Health Agents aims to simplify the often complex process of obtaining health insurance. They pride themselves on providing personalized service, ensuring that clients understand their options and can make informed decisions. The agency operates across 46 states, demonstrating its commitment to serving a broad customer base. Their focus on customer satisfaction is reflected in the positive feedback they receive, highlighting their dedication to helping clients find the right coverage for their needs.

5. Healthcare Solutions Team

• Website: healthcaresolutionsteam.com
• Ownership type: Private
• Headquarters: Lombard, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2007
• Headcount: 1001-5000
• LinkedIn: 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 individual and family health insurance, dental insurance, life insurance, and Medicare solutions. With a workforce of over 1,000 employees, Healthcare Solutions Team operates entirely within the United States, providing tailored insurance solutions to both individual consumers and businesses. Their agents are noted for their personalized approach, helping clients navigate the often complex insurance landscape to find affordable and comprehensive coverage. The company has built a reputation for its commitment to customer service, emphasizing the importance of human interaction in the insurance process. They offer a wide array of plans from numerous top carriers, ensuring that clients have access to various options that meet their specific needs.

6. Integrity Insurance and Financial Services IL, TX

• Website: insurewithintegrity.com
• Ownership type: Private
• Headquarters: Orland Park, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2004
• Headcount: 11-50
• LinkedIn: 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 tailored to meet the needs of individuals and families. Their offerings include Medicare Supplement, Medicare Advantage, and Medicare Part D plans, as well as group health insurance, dental and vision insurance, long-term care insurance, and life insurance. Integrity Insurance prides itself on providing personalized service, helping clients navigate the often complex world of health insurance. Their team of trained professionals is dedicated to enhancing clients' long-term financial success through tailored insurance solutions. The agency has received multiple accolades, including being named the Exclusive General Agency of the Year by Blue Cross Blue Shield of Illinois and Texas for several consecutive years, underscoring their commitment to client service and industry excellence.

7. 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 focused on Medicare Advantage plans. The company caters primarily to Medicare beneficiaries, offering a variety of plans that include features such as $0 premiums, $0 primary physician copays, and comprehensive coverage options. Clear Spring Health operates in several states, including Colorado, Georgia, and Illinois, and provides additional benefits like dental and prescription drug coverage. The company is committed to enabling its members to access affordable healthcare options, particularly for those with chronic illnesses. Clear Spring Health has not reported any funding, indicating it operates independently in the market.

8. 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., based in Darien, Illinois, has been serving the health insurance needs of individuals and families since its establishment in 1994. As an insurance agency, K&B Financial specializes in health insurance solutions, with a strong emphasis on Medicare supplement products. They operate as an authorized agent for Blue Cross and Blue Shield of Illinois, which allows them to provide clients with a range of health insurance options tailored to their specific needs. The company prides itself on its customer service, ensuring that clients receive the guidance necessary to navigate the complexities of health insurance. With a dedicated team of licensed professionals, K&B Financial has built a reputation for assisting over 20,000 clients in understanding and selecting appropriate insurance coverage. Their recent partnership with Árachas Group further enhances their ability to meet client needs, reflecting their commitment to evolving within the health insurance industry.

9. United Insurance Services

• Website: uisinsure.com
• Ownership type: Private
• Headquarters: Palos Heights, Illinois, United States (USA)
• Founded year: 1993
• Headcount: 11-50
• LinkedIn: 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 specializes in Medicare and supplemental insurance services, primarily catering to seniors. They assist clients in understanding and navigating their health insurance options, offering products such as Medicare Supplement insurance and prescription drug coverage. United Health Insure prides itself on personalized service, ensuring that each client receives tailored advice and support. Their affiliation with Blue Cross and Blue Shield of Illinois, a prominent health insurance provider, allows them to offer reliable coverage and competitive pricing. The company has built a reputation for strong customer relationships and knowledgeable service, making it a trusted choice for individuals seeking health insurance solutions in Illinois.

10. 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. With a workforce of approximately 138 employees, the company offers a variety of plans tailored for individuals, families, and groups. Their mission centers on enhancing access to oral and visual healthcare, which they achieve through a range of innovative services, including virtual dental visits and member discount programs. Delta Dental of Illinois is part of the larger Delta Dental Plans Association, which allows them to provide coverage across all 50 states and U.S. territories. Their community involvement is notable, with nearly $2 million invested in oral health education and initiatives aimed at improving overall health and well-being. This commitment to social impact further solidifies their role in the healthcare industry.

11. 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 boasting over 30 years of combined experience, IXSolutions offers a range of health insurance solutions tailored for businesses and individuals. Their services include crafting employee benefits packages, assisting individuals and families in finding affordable health coverage, and providing guidance on Medicare plans. The company prides itself on simplifying the insurance process, ensuring clients receive the best possible coverage for their unique needs. IXSolutions has established partnerships with organizations like the US Chamber of Commerce and MetLife, enhancing their ability to deliver valuable insurance solutions. They are dedicated to staying current with industry trends and compliance, which is crucial in the ever-evolving health insurance market.

12. 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 founded in 2007. The company specializes in a wide array of healthcare insurance products, including individual and family health insurance, dental insurance, life and critical illness insurance, and Medicare solutions. With a workforce of approximately 88 employees, Healthcare Solutions Team prides itself on providing personalized service through a network of seasoned agents. These agents are dedicated to guiding clients through the often complex health insurance landscape, ensuring they find affordable coverage tailored to their specific needs. The company has served over 1.1 million clients and boasts a portfolio of more than 500 plans from over 50 top carriers. Their focus on customer satisfaction and relationship-building has positioned them as a notable player in the health insurance sector, particularly for individuals and families.

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 a dedicated health insurance provider since its founding in 1993. The company specializes in Medicare and supplemental insurance services, catering primarily to seniors navigating their health insurance options. With a focus on personalized service, United Health Insure aims to assist clients in finding suitable coverage tailored to their specific needs. They have established a strong relationship with Blue Cross and Blue Shield of Illinois, enhancing their credibility and reliability in the market. The company also offers services for individuals under 65, including ACA-compliant plans, dental, and vision coverage. Their commitment to customer service is evident in their approach, which prioritizes building long-term relationships with clients. United Health Insure operates with a small team, emphasizing a personal touch in their interactions, which can be appealing to clients seeking guidance in a complex insurance landscape.

14. 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. Founded in 2018, the company aims to offer affordable healthcare solutions to individuals. MoreCare provides a range of plans, including MoreCare For You, MoreCare +, MoreCare Home, and MoreCare At Home, each designed to meet specific healthcare needs. The company also emphasizes customer support through resources like a searchable pharmacy directory and medication management services, helping members navigate their healthcare options effectively. With a workforce of 38 employees, MoreCare operates entirely within the United States, focusing on enhancing access to healthcare for its members.

15. ACA Marketplace Enrollment Solutions

• Website: acaenroll.com
• Ownership type: Private
• Headquarters: Bedford Park, Illinois, United States (USA)
• Founded year: 1986
• Headcount: 51-200
• LinkedIn: 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 under the Affordable Care Act. Their licensed agents are trained to assist clients in understanding their health insurance options, determining subsidy eligibility, and navigating the enrollment process. The agency offers a variety of health insurance products, including individual and employer health plans, COBRA, and telemedicine services. With a multilingual staff, they cater to a broad audience, ensuring that clients receive personalized support throughout their enrollment journey. The company has established relationships with numerous regional and national carriers, allowing them to present a range of options to their clients. Their commitment to quality service is evident in their approach to helping consumers find the right coverage to meet their healthcare needs.

16. Key Insurance Agency, Inc

• Website: keyinsagency.com
• Ownership type: Family Owned
• Headquarters: Hinsdale, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1974
• Headcount: 11-50
• LinkedIn: key-insurance-agency-inc

Key Insurance Agency, Inc., based in Hinsdale, Illinois, is a family-owned independent insurance agency founded in 1974. With a team of 19 employees, the agency focuses on providing tailored insurance solutions to both individual consumers and businesses. They offer a range of services, including health, auto, life, and business insurance. Key Insurance Agency prides itself on its ability to manage risk and protect assets for its clients. They represent a selection of well-known insurance carriers, including Blue Cross/Blue Shield, Aetna, and Cigna, which allows them to offer quality PPO health insurance plans that cater to various needs and budgets. The agency's long-standing relationships with these carriers enhance their credibility and service offerings in the health insurance sector.

17. AMA Insurance

• Website: amainsure.com
• Ownership type: Corporate
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 83%, Canada 13%, Philippines 4%
• Latest funding: September 2000
• Founded year: 1988
• Headcount: 1001-5000
• LinkedIn: ama-insurance-agency

AMA Insurance, founded in 1988 and based in Chicago, Illinois, operates as a corporate insurance agency. It specializes in providing tailored insurance products for physicians and healthcare professionals. Their offerings include disability insurance, life insurance, and health insurance, all designed to meet the unique needs of medical professionals. As a subsidiary of the American Medical Association, AMA Insurance benefits from a strong affiliation that allows them to offer competitive rates and specialized services to over one million physicians. The company employs a team of non-commissioned insurance specialists who assist clients in navigating their insurance options without the pressure of sales quotas. This approach aims to ensure that clients receive personalized service and solutions that align with their financial goals. AMA Insurance has not reported any recent funding, indicating a stable operational model since its inception.

18. Zing Health

• Website: myzinghealth.com
• Ownership type: Private Equity
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $140.0M, September 2024
• Founded year: 2019
• Headcount: 11-50
• LinkedIn: zing-health

Zing Health, founded in 2019 and based in Chicago, Illinois, is a healthcare provider that specializes in Medicare Advantage plans. The company was established by two African American physician entrepreneurs, Dr. Eric E. Whitaker and Dr. Kenneth Alleyne, along with co-founders from Health2047 and healthcare executive Garfield Collins. Zing Health aims to address healthcare disparities by offering integrated health services tailored to the needs of underserved populations. Their model emphasizes personalized care, with a holistic approach that includes a team of healthcare professionals such as nurse care managers and social workers. Zing Health has expanded its service area to include counties in Illinois, Michigan, and Indiana, and is set to introduce new plan types and enhancements in 2024. The company has received significant funding, totaling $140 million as of September 2024, which supports its mission to improve health outcomes through community-based solutions and innovative care models.

19. Neis Insurance Agency, Inc

• Website: neisinsurance.com
• Ownership type: Private
• Headquarters: Crystal Lake, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1962
• Headcount: 11-50
• LinkedIn: neis-insurance

Neis Insurance Agency, Inc., based in Crystal Lake, Illinois, has been a player in the insurance industry since its founding in 1962. With a team of 27 employees, the agency specializes in a variety of insurance products, including homeowners, auto, health, life, and business insurance. Neis Insurance serves both individual consumers and businesses, helping them manage risks and protect their assets through customized insurance solutions. The agency is licensed in all 50 states and has built a robust network, gaining access to over 1,000 insurance carriers. This extensive network enables them to offer competitive pricing and tailored coverage options. Neis Insurance has experienced significant growth over the years, increasing its business from $4 million in 1990 to $25 million today. Their commitment to exceptional customer service is reflected in their high client retention rate of 93%. The agency also emphasizes community involvement and has received recognition for its contributions to local organizations.

20. Lohman Companies

• Website: lohman-companies.com
• Ownership type: Private
• Headquarters: Moline, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1953
• Headcount: 11-50
• LinkedIn: lohman-companies-insurance-and-benefits

Lohman Companies, based in Moline, Illinois, is a private insurance agency that has been operational since 1953. With a team of 11 to 50 employees, the company specializes in a variety of insurance products, including health, life, auto, and business insurance. They cater to both individual consumers and businesses, providing essential coverage to mitigate various risks. Lohman Companies emphasizes quality service and aims to meet the specific needs of their clients. Their website highlights their offerings in health insurance, including individual and group plans, and they provide resources to help clients understand their options. The agency has recently expanded by acquiring E.H. Schroder Insurance Agency, which indicates growth and a commitment to serving a broader customer base. This acquisition allows them to continue fulfilling the insurance needs of both new and transitioning customers.

21. The Insurance People

• Website: insuranceppl.com
• Ownership type: Private
• Headquarters: Skokie, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2010
• Headcount: 1-10
• LinkedIn: the-insurance-ppl

The Insurance People, founded in 2010 and based in Skokie, Illinois, is a private insurance agency that offers a range of insurance products, including health insurance, employee benefits, Medicare, and ancillary insurance. With a small team of dedicated professionals, they focus on providing personalized service to both individual consumers and businesses. The agency prides itself on its educational approach, helping clients understand their options and make informed decisions about their insurance needs. They are independent agents, which allows them to shop around for the best policies from various carriers, ensuring that clients receive tailored solutions. The Insurance People actively engages with their community and clients through informative blog posts and events, demonstrating their commitment to customer service and industry knowledge.

22. Lee O'Keefe Insurance Agency

• Website: leeokeefe.com
• Ownership type: Private
• Headquarters: Springfield, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1934
• Headcount: 1-10
• LinkedIn: lee-o%27keefe-insurance-agency

Lee O'Keefe Insurance Agency Inc., established in 1934, is a private insurance agency based in Springfield, Illinois. With a small team of 1-10 employees, the agency specializes in a wide range of insurance services, including auto, home, business, life, and health insurance. They cater to both individual consumers and businesses, providing tailored insurance solutions to help clients manage risks and protect their financial interests. The agency prides itself on its independent status, allowing it to offer clients a selection of coverage options from various reputable insurance carriers. This independence enables them to advocate for their clients effectively, ensuring they receive fair treatment and prompt service during claims. Lee O'Keefe Insurance Agency is committed to building long-term relationships with clients and insurance providers, emphasizing professional excellence and ethical standards in all business dealings.

23. Service Insurance Agency

• Website: serviceinsuranceagency.com
• Ownership type: Private
• Headquarters: Schaumburg, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1973
• Headcount: 11-50
• LinkedIn: service-insurance

Service Insurance Agency, founded in 1973 and based in Schaumburg, Illinois, is a private insurance agency with a team of approximately 26 employees. The agency operates as an independent broker, which allows them to offer a wide array of insurance products tailored to both individual consumers and businesses. Their offerings include personal health insurance, auto insurance, life insurance, long-term care, and various commercial insurance products. By working with over 30 different insurance providers, Service Insurance Agency aims to find the best coverage options at competitive rates for their clients. Their commitment to personalized service is evident in their approach to understanding client needs and educating them on suitable coverage options. This client-centric model positions them as a resource for individuals seeking insurance solutions, although their broad focus may limit their specialization in the health insurance sector.

24. Creatix is now GoHealth!

• Website: thinkcreatix.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Founded year: 2005
• Headcount: 51-200
• LinkedIn: thinkcreatix

GoHealth, originally founded as Creatix in 2005, is based in Chicago, Illinois. The company has evolved into a health-tech entity that focuses on providing health insurance solutions through innovative technology. GoHealth connects consumers with affordable health insurance options, offering personalized support to help individuals make informed decisions about their healthcare coverage. Their services include real-time quoting technology and one-on-one consultations, which enhance the consumer experience in selecting health plans. GoHealth has also made strides in the Medicare Advantage market, helping consumers find suitable benefits. The company has received recognition for its workplace culture and innovation, indicating a commitment to both employee satisfaction and customer service.

Individual Health Insurance Insights: Key Companies in Illinois

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