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GROUP
HEALTH
INSURANCE

PLANS FOR SMALL BUSINESSES

AFFORDABLE HEALTH CARE COVERAGE FOR YOU AND YOUR TEAM

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


Looking for group insurance plans for your small business in Illinois? BCBSIL offers flexible small-group health insurance plans to fit your budget and your employee’s needs. Our 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 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 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 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 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 options with the videos below:

PPO


PPO plans allow members more flexibility than an HMO to see specialists. Members can choose a primary care physician.

HMO


Members in HMO 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 plan offerings leverage different networks of 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 employees more access to care with in-network telehealth visits at the same cost as an in-office visit.

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.

Health Insurance FAQs

Healthier Employees. Healthier Business.

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Phone

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