Health insurance options in Aurora
Residents of Aurora and Kane County buy coverage from two markets: Get Covered Illinois, with guaranteed-issue plans from Blue Cross Blue Shield of Illinois, Ambetter, Aetna CVS Health, and Oscar priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Aurora have only been shown the first.
What it costs in Aurora
A healthy 40-year-old in Aurora pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Aurora doctors
Marketplace plans in Illinois are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Kane County and work in every state — we check your specific doctors before you enroll.
The Illinois factor
Illinois moved to its own state-run marketplace, Get Covered Illinois, for 2026 coverage, and Chicago-area marketplace plans are heavily HMO — one reason suburban business owners look at national PPOs. Illinois has no state individual mandate.