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GROUP
HEALTH
INSURANCE

PLANS FOR SMALL BUSINESSES

AFFORDABLE HEALTH INSURANCE COVERAGE FOR YOU AND YOUR TEAM

Our employer-sponsored group health insurance plans allow you to cover all your small business employees and their family members.


Looking for group insurance plans for your Illinois small business? BCBSIL offers flexible small-group health insurance plans to fit your budget and your employee’s needs. Our health insurance plans give members access to a large network of providers and comprehensive coverage.

Comprehensive Small Business Health Insurance Coverage in Illinois

All of BCBSIL’s small business health insurance plan options include comprehensive coverage under the Affordable Care Act leaving site (ACA), including:

Explore Our Small Business Health Insurance Plans in Illinois

Regarding health insurance plans, "metal" tiers easily identify how costs are split between the insurance company and the insured. The tiers will help you find the right medical plan for you and your employees.

PLATINUM
Plan Pays: 90%
You Pay: 10%

Platinum plans are the most expensive insurance plans from a premium perspective because they are also considered the richest. Insurance carriers typically cover approximately 90% of the cost of covered services.


GOLD
Plan Pays: 80%
You Pay: 20%

In Gold plans, the insurance carrier typically covers about 80% of the cost of services, which results in higher premiums than the Bronze and Silver plans.


SILVER
Plan Pays: 70%
You Pay: 30%

Silver plan monthly premiums are more expensive than Bronze plans, but the out-of-pocket costs for services are lower with the insurance carrier covering around 70% of the cost of services.


BRONZE
Plan Pays: 60%
You Pay: 40%

Bronze plans have the lowest monthly premiums, but highest out-of-pocket costs. Typically the insurance carrier will cover 60% of the cost of services.

Plan options within each metal tier include Participating Provider Option
and Health Maintenance Organization choices.

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Learn more about the differences between these health insurance plan options with the videos below:

PPO


PPO insurance plans allow members more flexibility than an HMO to see specialists. Members can also choose their own primary care physician.

HMO


Members in HMO insurance plans choose a primary care physician who coordinates the patient's care. To see specialists, members need a referral from their PCP.

Network Offerings

Our health insurance plan offerings leverage different networks of Illinois providers in order to create plan options that fit any small business budget.* Available to groups with 2-50 employees.

See Our 2025 Plan Details PDF

More Access to Health Care

Plans from Blue Cross and Blue Shield of Illinois give you and your small business employees more access to care with in-network telehealth visits at the same cost as an in-office visit. Learn more about telehealth services by reading our Telemedicine and Small Businesses article.

Health Savings Account Plans

Select an HSA plan for you and your employees that features $0 copay for some preventive drugs. HSA plans help employees stick to their treatment regimen and better manage their health conditions. Learn more about HSAs by reading our HSA Accounts 101 article.

Health Insurance FAQs

Healthier Employees. Healthier Business.

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Phone

Get in Touch by Phone
1-833-923-1784