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Champaign-Urbana Health Insurance

The twin cities of Champaign and Urbana are home to the University of Illinois, and populous considering their heartland location. Within a few hour drive, you can reach Chicago to the north and Indianapolis to the east of this region, offering a uniquely quiet location with large cities nearby. Agriculture is the main draw in Champaign-Urbana, though medicine, technology, and education also support the local economy. For a small city, Champaign has a thriving downtown area, noteworthy museums and attractions, and great parks, including the University of Illinois Arboretum and Wandell Sculpture Garden.

Residents of both cities contribute to a lively, small-city community, centered around farm preservation, culture, and education. The location of the first Farm Aid music festival in 1985, Champaign and the University of Illinois have served an important role in heightening our nation’s agricultural awareness. This event brought together thousands of people and raised $9 million to benefit farmers across the country whose livelihoods were being threatened at the time.

Champaign-Urbana one of the best places in the state to buy private medical coverage. It is also the home of Health Alliance, which gives locals an additional option when searching for personal health insurance plans. After BlueCross BlueShield of Illinois, Health Alliance is the most favored plan in Illinois according to its members, receiving great reviews. This carrier offers HMO, as well as PPO, plans for individuals, a good option for those who want to rely on one provider network for all of their care. Additional PPO plans in the area come from BCBSIL and the selection of national insurers in the area, such as Aetna and Humana.

Rates are very affordable for residents of the area, especially when compared with Chicago and larger cities. To find how much a health plan in Champaign County costs for you and your family, get a free quote in a matter of seconds, or call us at 888 803 5917.


Champaign-Urbana Illinois Health Quotes

Sample Champaign-Urbana Health Insurance Quote

Looking at comprehensive health plans for a 30-year-old male Champaign resident, we find My Health Alliance provides the most benefits for the lowest premium, at $99 per month. This plan has a $2,000 deductible, 80/20 coinsurance, and copays for however many office visits you may need in the course of a year. While prescription coverage must be purchased separately, this plan does include upfront coverage for ER visits for a mere $200 copay. Hands down, this is the best deal in the area, especially due to the positive feedback this carrier usually receives.

BlueCross BlueShield of Illinois trails closely behind, with a $2,500 plan for $112 per month. Both specialist and primary care doctor visits are covered at an affordable $30 copay, though prescriptions are covered after deductible. In contrast to the My Health Alliance PPO, this plan has the benefit of a larger nationwide network, as well as a lower out-of-pocket maximum. This plan does not provide copays on emergency care, so if you’re an accident-prone type, the first plan may be your best choice.

For a third choice, which is always recommended when applying for coverage, Coventry is also reasonable for a $125 premium. This is their more reliable $2,000 PPO in Champaign, with emergency room copays and upfront coverage for both office visits and generic prescriptions. With the pharmacy benefit, this is actually the best plan for all of your coverage in one place, though the prescription rider for My Health Alliance is likely an inexpensive addition. Coventry One’s plan also provides copays for chiropractic care before the deductible is met.

View your own potential health insurance premiums, and a full selection of plans in the Champaign-Urbana region here.





1. CityTownInfo.com. Champaign, Illinois.

2. Wikipedia. Farm Aid.


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