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2025 Health Insurance Plans in McHenry County, IL

Find and compare 2025 health plans in McHenry County, IL. Every health insurance plan below offers 10 essential benefits and qualifies for cost assistance. Select a plan to learn more about cost-sharing, benefits, and how you can save.
Choice PPO Basic
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Choice PPO Premium
2025
High
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Choice PPO Plus
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Choice PPO Preventive
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Choice PPO Basic Kids
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Choice PPO Premium Kids
2025
High
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
QUARTZ PERFORMANCE SILVER (DENTAL & VISION) STANDARD EASY PRICING – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
QUARTZ PERFORMANCE BRONZE (DENTAL & VISION) STANDARD EASY PRICING – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
QUARTZ PERFORMANCE BRONZE (VISION) STANDARD EASY PRICING – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
QUARTZ PERFORMANCE GOLD STANDARD (DENTAL & VISION) FLAT RX COPAYS EASY PRICING – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
QUARTZ ONE ACHIEVE GOLD STANDARD (DENTAL & VISION) FLAT RX COPAYS EASY PRICING – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
QUARTZ ONE ACHIEVE SILVER (DENTAL & VISION) STANDARD EASY PRICING – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Managed Care for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
QUARTZ PERFORMANCE GOLD STANDARD (VISION) FLAT RX COPAYS EASY PRICING – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
QUARTZ PERFORMANCE SILVER (DENTAL & VISION) $7000 DED – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$14000 per group

Coinsurance:

50.00%
See Plan
QUARTZ PERFORMANCE SILVER (DENTAL & VISION) $0 DED FLAT RX COPAYS – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE GOLD STANDARD (VISION) FLAT RX COPAYS EASY PRICING – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
QUARTZ PERFORMANCE SILVER (VISION) STANDARD EASY PRICING – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
QUARTZ PERFORMANCE BRONZE (DENTAL & VISION) $9100 DED FLAT RX COPAYS – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$9100 per person
$18200 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE SILVER (VISION) STANDARD EASY PRICING – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
QUARTZ ONE ACHIEVE BRONZE (VISION) STANDARD EASY PRICING – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) $9100 DED FLAT RX COPAYS – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$9100 per person
$18200 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE SILVER (DENTAL & VISION) $0 DED FLAT RX COPAYS – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE BRONZE (VISION) $7250 HSA – IL
2025
Expanded Bronze
HSA: Yes
Out-of-Pocket Maximum:

$14500 per group
Deductible:

$14500 per group

Coinsurance:

0.00%
See Plan
QUARTZ PERFORMANCE GOLD (DENTAL & VISION) $2500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$5000 per group

Coinsurance:

30.00%
See Plan
QUARTZ ONE ACHIEVE CATASTROPHIC (VISION) – IL
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
QUARTZ PERFORMANCE BRONZE (VISION) $9100 DED FLAT RX COPAYS – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$9100 per person
$18200 per group

Coinsurance:

50.00%
See Plan
QUARTZ PERFORMANCE BRONZE (VISION) $7250 HSA – IL
2025
Expanded Bronze
HSA: Yes
Out-of-Pocket Maximum:

$14500 per group
Deductible:

$14500 per group

Coinsurance:

0.00%
See Plan
QUARTZ PERFORMANCE CATASTROPHIC (VISION) – IL
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
QUARTZ ONE ACHIEVE GOLD (DENTAL & VISION) $2500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$5000 per group

Coinsurance:

30.00%
See Plan
QUARTZ PERFORMANCE GOLD MAINTENANCE (DENTAL & VISION) $500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$500 per person
$1000 per group

Coinsurance:

0.00%
See Plan
QUARTZ ONE ACHIEVE SILVER (DENTAL & VISION) $7000 DED – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$14000 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE GOLD MAINTENANCE (DENTAL & VISION) $500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$500 per person
$1000 per group

Coinsurance:

0.00%
See Plan
QUARTZ PERFORMANCE GOLD (VISION) $2500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$5000 per group

Coinsurance:

30.00%
See Plan
QUARTZ PERFORMANCE GOLD MAINTENANCE (VISION) $500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$500 per person
$1000 per group

Coinsurance:

0.00%
See Plan
QUARTZ PERFORMANCE SILVER (VISION) $7000 DED – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$14000 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE GOLD MAINTENANCE (VISION) $500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$500 per person
$1000 per group

Coinsurance:

0.00%
See Plan
QUARTZ PERFORMANCE SILVER (VISION) $0 DED FLAT RX COPAYS – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE SILVER (VISION) $0 DED FLAT RX COPAYS – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
QUARTZ ONE ACHIEVE BRONZE (VISION) $9100 DED FLAT RX COPAYS – IL
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$9100 per person
$18200 per group

Coinsurance:

50.00%
See Plan
Guardian Preventive Plus for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
QUARTZ ONE ACHIEVE GOLD (VISION) $2500 DED – IL
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$5000 per group

Coinsurance:

30.00%
See Plan
QUARTZ ONE ACHIEVE SILVER (VISION) $7000 DED – IL
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$14000 per group

Coinsurance:

50.00%
See Plan
Gold S: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care + Rx Copay
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Silver S: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Humana Dental Smart Choice- Lite
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Delta Dental Individual Primary Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Humana Dental Smart Choice – Low
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Humana Dental Smart Choice – High
2025
High
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
BESTOne Dental Plus Silver
2025
Low
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

$75 per person
per group not applicable

Coinsurance:

See Plan
Guardian Essentials for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
Guardian Select for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
Guardian Basics for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
Delta Dental Individual Preferred Plan
2025
High
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
Delta Dental Individual Preventive Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
MercyCare Gold Health Savings
2025
Gold
HSA: Yes
Out-of-Pocket Maximum:

$6800 per group
Deductible:

$6800 per group

Coinsurance:

0.00%
See Plan
MercyCare Silver 2500 (3 Free PCP Visits)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$2500 per person
$5000 per group

Coinsurance:

50.00%
See Plan
MercyCare Silver Health Savings
2025
Silver
HSA: Yes
Out-of-Pocket Maximum:

$10800 per group
Deductible:

$10800 per group

Coinsurance:

0.00%
See Plan
Delta Dental Individual Kids Basic Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

$120 per person
per group not applicable

Coinsurance:

See Plan
MercyCare Gold Standard
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Delta Dental Individual Kids Preferred Plan
2025
High
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
MercyCare Silver Standard
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Delta Dental Individual Basic Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

$120 per person
per group not applicable

Coinsurance:

See Plan
DentaQuest PPO Family Preventative
2025
Low
HSA:
Out-of-Pocket Maximum:

$400 per person
$800 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Connect Bronze 5000 Indiv Med Deductible – Rx Copay
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$10000 per group

Coinsurance:

50.00%
See Plan
Connect Silver 3000 Indiv Med Deductible – Rx Copay
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$6000 per group

Coinsurance:

50.00%
See Plan
Connect Bronze 2000 Indiv Med Deductible
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$2000 per person
$4000 per group

Coinsurance:

50.00%
See Plan
Connect Bronze CMS Standard
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Connect Silver CMS Standard
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Connect Gold CMS Standard – Rx Copay
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
DentaQuest PPO Pediatric High
2025
High
HSA:
Out-of-Pocket Maximum:

$400 per person
$800 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
DentaQuest PPO Family High
2025
High
HSA:
Out-of-Pocket Maximum:

$400 per person
$800 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
DentaQuest PPO Family Low
2025
Low
HSA:
Out-of-Pocket Maximum:

$400 per person
$800 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
EssentialSmile Illinois – Total Care
2025
Low
HSA:
Out-of-Pocket Maximum:

$400 per person
$800 per group
Deductible:

$30 per person
per group not applicable

Coinsurance:

See Plan
BlueCare Direct Gold℠ Standard – Rx Copays with Advocate
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
BlueCare Direct Silver℠ Standard – Select Rx Copays with Advocate
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
BlueCare Direct Bronze℠ Standard – Select Rx Copays with Advocate
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
BlueCare Dental 4 Kids℠ 1B
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
$150 per group

Coinsurance:

See Plan
BlueCare Dental℠ 1D
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
$150 per group

Coinsurance:

See Plan
BlueCare Dental 4 Kids℠ 1A
2025
High
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$25 per person
$75 per group

Coinsurance:

See Plan
BlueCare Dental℠ 1C
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
$150 per group

Coinsurance:

See Plan
BlueCare Dental℠ 1A
2025
High
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$25 per person
$75 per group

Coinsurance:

See Plan
BlueCare Dental℠ 1B
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
$150 per group

Coinsurance:

See Plan
Gold 8 with Rx Copay
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Silver 8
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Silver 12 with first 4 free PCP or MH visits
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$14000 per group

Coinsurance:

20.00%
See Plan
Gold 1 with Adult Vision Services
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$16200 per group
Deductible:

$3280 per group

Coinsurance:

25.00%
See Plan
Silver 1 with Rx Copay and Adult Vision Services
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$15700 per group
Deductible:

$10000 per group

Coinsurance:

35.00%
See Plan
Standard Expanded Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Standard Silver + Vision + Adult Dental
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Standard Gold + Vision + Adult Dental
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Gold 1
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$16200 per group
Deductible:

$3280 per group

Coinsurance:

25.00%
See Plan
Silver 1
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$15880 per group
Deductible:

$11500 per group

Coinsurance:

40.00%
See Plan
Central Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$17000 per group
Deductible:

$10000 per group

Coinsurance:

50.00%
See Plan
Central Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$11000 per group
Deductible:

$2000 per group

Coinsurance:

40.00%
See Plan
Standard Expanded Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Standard Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Standard Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Everyday Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$16900 per group

Coinsurance:

50.00%
See Plan