{"id":39978,"date":"2026-11-10T11:53:30","date_gmt":"2026-11-10T17:53:30","guid":{"rendered":"https:\/\/holaamericanews.com\/?p=39978"},"modified":"2026-11-10T11:54:09","modified_gmt":"2026-11-10T17:54:09","slug":"illinois-2027-health-insurance-enroll-by-dec-15-for-jan-1-coverage","status":"publish","type":"post","link":"https:\/\/holaamericanews.com\/es\/illinois-2027-health-insurance-enroll-by-dec-15-for-jan-1-coverage\/","title":{"rendered":"Seguro m\u00e9dico 2027 en Illinois: inscr\u00edbete hasta el 15 de diciembre para tener seguro m\u00e9dico desde enero"},"content":{"rendered":"<div id=\"holaa-2450895507\" class=\"holaa-before-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/hyveetix.evenue.net\/events\/DOI?RSRC=WEB_PR&#038;RDAT=DOI_ONSALE\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"Website_1440x600\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/Website_1440x600-e1793299383786.jpg\" alt=\"Disney On Ice Des Moines\"  width=\"300\" height=\"187\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/><h2>En el condado de Rock Island habr\u00e1 planes de Ambetter y Blue Cross Blue Shield of Illinois para 2027. Una prima mensual baja no siempre significa que pagar\u00e1s menos cuando necesites atenci\u00f3n m\u00e9dica.<\/h2>\n<p>Los residentes de Illinois que compran su propio seguro m\u00e9dico ya pueden inscribirse o cambiar de plan para 2027 a trav\u00e9s de <a href=\"https:\/\/getcovered.illinois.gov\/es.html\" target=\"_blank\" rel=\"noopener noreferrer\">Get Covered Illinois<\/a>, el mercado oficial de seguros de salud del estado, establecido bajo la Ley del Cuidado de Salud a Bajo Precio (ACA).<\/p>\n<p><strong>El 15 de diciembre de 2026 es la fecha l\u00edmite para elegir un plan cuya cobertura comience el 1 de enero de 2027.<\/strong> Quienes se inscriban entre el 16 de diciembre y el 15 de enero generalmente tendr\u00e1n cobertura a partir del 1 de febrero, siempre que paguen la primera prima. El per\u00edodo de inscripci\u00f3n abierta termina el 15 de enero de 2027.<\/p><div id=\"holaa-3906088227\" class=\"holaa-ad-inside-articles-2 holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.ascentra.org\/es\/cheer?utm_source=hola&#038;utm_medium=display&#038;utm_campaign=ride50holadisplay\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"R50-26-Hola America-350&#215;250-ES\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/R50-26-Hola-America-350x250-ES.jpg\" alt=\"\"  srcset=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/R50-26-Hola-America-350x250-ES.jpg 350w, https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/R50-26-Hola-America-350x250-ES-300x214.jpg 300w\" sizes=\"(max-width: 350px) 100vw, 350px\" width=\"350\" height=\"250\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n<h2>Dos aseguradoras ofrecer\u00e1n planes en el condado de Rock Island<\/h2>\n<p>Para 2027, los residentes del condado de Rock Island podr\u00e1n encontrar seguros m\u00e9dicos a trav\u00e9s de dos compa\u00f1\u00edas participantes en el mercado oficial:<\/p>\n<ul>\n<li><strong>Ambetter of Illinois<\/strong>, que ofrece planes mediante Celtic Insurance Company.<\/li>\n<li><strong>Blue Cross Blue Shield of Illinois<\/strong>, a trav\u00e9s de Health Care Service Corporation.<\/li>\n<\/ul>\n<p>Ambas aparecen en el <a href=\"https:\/\/idoi.illinois.gov\/content\/dam\/soi\/en\/web\/insurance\/consumers\/documents\/2027-analysis-of-illinois-on-exchange.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">an\u00e1lisis oficial del mercado de seguros para 2027<\/a> del Departamento de Seguros de Illinois. Aunque cinco aseguradoras participar\u00e1n en el estado, no todas ofrecer\u00e1n cobertura en los mismos condados.<\/p>\n<p>Esta diferencia es importante en Quad Cities. Una compa\u00f1\u00eda que vende seguros en otra parte de Illinois puede no tener planes disponibles en Rock Island. Tampoco deben confundirse las opciones de Illinois con las que se ofrecen al otro lado del r\u00edo Misisipi, en Iowa.<\/p>\n<h2>Rock Island, Moline y East Moline: 20 planes en cada c\u00f3digo postal consultado<\/h2>\n<p>El 10 de noviembre, Hola America consult\u00f3 el comparador oficial de Get Covered Illinois con los mismos datos de un solicitante de ejemplo en tres c\u00f3digos postales:<\/p><div id=\"holaa-539690358\" class=\"holaa-ad-inside-articles holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/yourlifeiowa.org\/learn\/gambling\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"183617_300x250c SPANISH\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/11\/183617_300x250c-SPANISH.jpg\" alt=\"\"  width=\"300\" height=\"250\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n<ul>\n<li><strong>61201:<\/strong> Rock Island.<\/li>\n<li><strong>61265:<\/strong> Moline.<\/li>\n<li><strong>61244:<\/strong> East Moline, seleccionando el condado de Rock Island.<\/li>\n<\/ul>\n<p>El perfil utilizado correspond\u00eda a una persona de 40 a\u00f1os, que no fuma, vive sola y tiene ingresos anuales estimados de $50,000. La herramienta mostr\u00f3 <strong>20 planes de seguro m\u00e9dico en cada c\u00f3digo postal<\/strong>, ofrecidos por Ambetter y Blue Cross Blue Shield of Illinois.<\/p>\n<p>La consulta fue ilustrativa y no constituye una solicitud de inscripci\u00f3n. Las opciones, los precios y la ayuda financiera pueden variar seg\u00fan la edad, los ingresos, el tama\u00f1o del hogar, el lugar de residencia y los requisitos que cumpla cada solicitante.<\/p><div id=\"holaa-3496252742\" class=\"holaa-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/hyveetix.evenue.net\/events\/DOI?RSRC=WEB_PR&#038;RDAT=DOI_ONSALE\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"Website_1440x600\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/Website_1440x600-e1793299383786.jpg\" alt=\"Disney On Ice Des Moines\"  width=\"300\" height=\"187\"  style=\"display: inline-block;\" \/><\/a><\/div>\n<h2>Un plan de $59.75 al mes ten\u00eda un deducible de $8,000<\/h2>\n<p>Para el perfil de ejemplo, el comparador calcul\u00f3 aproximadamente <strong>$621 mensuales en cr\u00e9ditos fiscales anticipados<\/strong> que podr\u00edan utilizarse para reducir el costo del seguro.<\/p>\n<p>Entre las opciones apareci\u00f3 el plan Blue Choice Preferred Bronze PPO \u2013 Support HSA, de Blue Cross Blue Shield of Illinois, con una <strong>prima estimada de $59.75 mensuales despu\u00e9s de aplicar la ayuda financiera<\/strong>.<\/p><div id=\"holaa-1591926147\" class=\"holaa-content_2 holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.desmoinesperformingarts.org\/whats-on\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"HolaIowa-Nov2026[25]\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/11\/HolaIowa-Nov202625.gif\" alt=\"\"  width=\"300\" height=\"735\"  style=\"display: inline-block;\" \/><\/a><\/div>\n<p>Sin embargo, ese mismo plan ten\u00eda un <strong>deducible de $8,000<\/strong> y un <strong>l\u00edmite anual de gastos de bolsillo de $12,000<\/strong>. Una prima mensual baja no significa necesariamente que la atenci\u00f3n m\u00e9dica resulte econ\u00f3mica.<\/p>\n<p>El deducible es la cantidad que una persona podr\u00eda tener que pagar por determinados servicios cubiertos antes de que la aseguradora comience a compartir esos costos. El l\u00edmite de gastos de bolsillo establece cu\u00e1nto puede pagar el asegurado durante el a\u00f1o por servicios cubiertos dentro de la red, sin incluir las primas mensuales.<\/p>\n<p>Los $59.75 no son una tarifa disponible para todos ni una recomendaci\u00f3n de contratar ese plan. Se trata de una estimaci\u00f3n obtenida el 10 de noviembre para un perfil hipot\u00e9tico.<\/p>\n<h2>Los planes Plata y Oro tambi\u00e9n pueden resultar convenientes<\/h2>\n<p>Los planes de categor\u00eda Bronce suelen tener primas mensuales m\u00e1s bajas, pero requieren mayores gastos de bolsillo cuando se necesita atenci\u00f3n m\u00e9dica. En cambio, las opciones Plata y Oro pueden ser m\u00e1s adecuadas para quienes acuden regularmente al m\u00e9dico, toman medicamentos recetados o necesitan otros servicios de salud.<\/p>\n<p>Las personas que califican para las <strong>reducciones de costos compartidos<\/strong>, una ayuda adicional que disminuye ciertos gastos m\u00e9dicos, deben elegir un plan Plata que re\u00fana los requisitos para recibir ese beneficio.<\/p>\n<p>Tambi\u00e9n vale la pena comparar las opciones Oro. <a href=\"https:\/\/getcovered.illinois.gov\/plans-and-cost\/plan-choices.html\" target=\"_blank\" rel=\"noopener noreferrer\">Get Covered Illinois se\u00f1ala<\/a> que, seg\u00fan los precios y la ayuda financiera disponible, algunos planes Oro pueden tener primas mensuales m\u00e1s bajas que determinados planes Plata.<\/p>\n<p>Antes de inscribirse, conviene revisar si los m\u00e9dicos y hospitales habituales pertenecen a la red del plan, si los medicamentos est\u00e1n cubiertos y cu\u00e1nto habr\u00eda que pagar por consultas o una emergencia.<\/p>\n<h2>Los cambios federales pueden reducir la ayuda para pagar el seguro en 2027<\/h2>\n<p>Las modificaciones a las reglas federales de asistencia financiera tambi\u00e9n afectan los costos de los seguros m\u00e9dicos. Los cr\u00e9ditos fiscales federales ampliados terminaron en 2026, por lo que algunos hogares reciben menos ayuda y enfrentan primas mensuales m\u00e1s altas.<\/p>\n<p>Los residentes cuyos ingresos familiares superan el 400 % del nivel federal de pobreza ya no pueden recibir cr\u00e9ditos fiscales anticipados para reducir las primas. Adem\u00e1s, las reglas de 2027 modifican el acceso a esa ayuda para ciertas categor\u00edas de inmigrantes con presencia legal en Estados Unidos.<\/p>\n<p>Ante estos cambios, es importante actualizar los ingresos y la informaci\u00f3n del hogar antes de comparar planes. Haber recibido un subsidio en otro a\u00f1o no garantiza que se mantenga la misma cantidad en 2027.<\/p>\n<p>Las condiciones actuales pueden consultarse en la <a href=\"https:\/\/getcovered.illinois.gov\/es\/plans-and-cost\/marketplace-changes.html\" target=\"_blank\" rel=\"noopener noreferrer\">p\u00e1gina oficial sobre cambios en el seguro m\u00e9dico de Illinois<\/a>.<\/p>\n<h2>Cigna y Molina dejar\u00e1n de ofrecer planes en el mercado de Illinois<\/h2>\n<p><strong>Cigna y Molina dejar\u00e1n de participar en Get Covered Illinois a partir del 1 de enero de 2027.<\/strong> La salida afecta principalmente a otras regiones del estado, ya que ninguna de las dos compa\u00f1\u00edas aparece entre las opciones disponibles para el condado de Rock Island en 2027.<\/p>\n<p>Quienes tengan actualmente un seguro de alguna de estas compa\u00f1\u00edas a trav\u00e9s del mercado oficial deber\u00e1n elegir otro plan para el pr\u00f3ximo a\u00f1o. Seg\u00fan el estado, su cobertura de 2026 puede continuar hasta el 31 de diciembre, siempre que mantengan al d\u00eda los pagos correspondientes.<\/p>\n<p>Los asegurados deben revisar las notificaciones de su compa\u00f1\u00eda y de Get Covered Illinois antes de seleccionar una nueva cobertura.<\/p>\n<h2>C\u00f3mo comparar planes e inscribirse en Get Covered Illinois<\/h2>\n<p>Los residentes pueden comenzar desde la <a href=\"https:\/\/getcovered.illinois.gov\/es\/get-started\/how-to-enroll.html\" target=\"_blank\" rel=\"noopener noreferrer\">p\u00e1gina oficial de inscripci\u00f3n en espa\u00f1ol<\/a>. Tambi\u00e9n es posible consultar las opciones disponibles mediante el <a href=\"https:\/\/enroll.getcovered.illinois.gov\/prescreener\/\" target=\"_blank\" rel=\"noopener noreferrer\">comparador de planes y precios<\/a> antes de completar una solicitud.<\/p>\n<ol>\n<li><strong>Ingresa tu c\u00f3digo postal y condado.<\/strong> Confirma que la ubicaci\u00f3n sea correcta, especialmente si el c\u00f3digo postal comprende m\u00e1s de un condado.<\/li>\n<li><strong>Proporciona la informaci\u00f3n de tu hogar.<\/strong> La edad, el n\u00famero de integrantes y los ingresos estimados ayudan a calcular los precios y la posible asistencia financiera.<\/li>\n<li><strong>Compara los costos completos.<\/strong> Revisa las primas, los deducibles, los l\u00edmites de gastos de bolsillo, los m\u00e9dicos de la red y la cobertura de medicamentos.<\/li>\n<li><strong>Completa la solicitud y elige un plan.<\/strong> El proceso oficial determinar\u00e1 si cumples los requisitos y qu\u00e9 cr\u00e9ditos fiscales podr\u00edas recibir.<\/li>\n<li><strong>Paga la primera prima.<\/strong> Seleccionar el seguro no basta para activar la cobertura; es necesario realizar el primer pago.<\/li>\n<\/ol>\n<p>En t\u00e9rminos generales, para comprar cobertura mediante Get Covered Illinois es necesario residir en el estado, ser ciudadano o nacional estadounidense o una persona no ciudadana con presencia legal en el pa\u00eds, y no estar encarcelado. Pueden aplicarse otros requisitos de elegibilidad.<\/p>\n<h2>Si vives en Iowa, debes usar HealthCare.gov<\/h2>\n<p>Aunque Rock Island y Moline forman parte de la misma \u00e1rea metropolitana que Davenport y Bettendorf, <strong>los residentes de Iowa no deben solicitar sus seguros mediante Get Covered Illinois<\/strong>.<\/p>\n<p>La <a href=\"https:\/\/iid.iowa.gov\/press-release\/2026-11-06\/2027-aca-health-insurance-open-enrollment-begins-iowa-insurance-division-urges-residents-review\" target=\"_blank\" rel=\"noopener noreferrer\">Divisi\u00f3n de Seguros de Iowa<\/a> indica que sus residentes deben utilizar <a href=\"https:\/\/www.healthcare.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">HealthCare.gov<\/a> para comparar y contratar seguros m\u00e9dicos del mercado de 2027.<\/p>\n<p>Iowa tambi\u00e9n tiene como fecha l\u00edmite el 15 de diciembre para obtener cobertura a partir del 1 de enero, pero las compa\u00f1\u00edas y los planes disponibles dependen del estado donde viva cada solicitante.<\/p>\n<h2>Hay ayuda gratuita en espa\u00f1ol para elegir un seguro m\u00e9dico<\/h2>\n<p>Get Covered Illinois ofrece asistencia sin costo mediante orientadores certificados, corredores de seguros autorizados y representantes de atenci\u00f3n al cliente. Pueden ayudar a comparar opciones, revisar la posible asistencia financiera y completar la inscripci\u00f3n.<\/p>\n<p>Los residentes pueden encontrar apoyo en el <a href=\"https:\/\/getcovered.illinois.gov\/es\/get-help\/free-local-help.html\" target=\"_blank\" rel=\"noopener noreferrer\">directorio de ayuda local gratuita<\/a> o llamar al <strong>1-866-311-1119<\/strong> (TTY: 711). Tambi\u00e9n hay servicios de interpretaci\u00f3n para quienes prefieran recibir orientaci\u00f3n en otro idioma.<\/p>\n<p>Las personas que necesiten cobertura fuera de las fechas ordinarias pueden consultar si re\u00fanen los requisitos para Medicaid o para un per\u00edodo de inscripci\u00f3n especial, seg\u00fan sus circunstancias.<\/p>\n<hr \/>\n<p><strong>Mantente al tanto de las historias que importan: visita <a href=\"https:\/\/holaamericanews.com\/\">HolaAmericaNews.com<\/a> para enterarte de las \u00faltimas noticias, cultura y novedades de la comunidad.<\/strong><\/p>\n<div id=\"holaa-347119226\" class=\"holaa-after-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.ascentra.org\/es\/cheer?utm_source=hola&#038;utm_medium=display&#038;utm_campaign=ride50holadisplay\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"R50-26-Hola America-728&#215;90-ES\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/R50-26-Hola-America-728x90-ES.jpg\" alt=\"\"  srcset=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/R50-26-Hola-America-728x90-ES.jpg 728w, https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/R50-26-Hola-America-728x90-ES-300x37.jpg 300w, https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/R50-26-Hola-America-728x90-ES-696x86.jpg 696w\" sizes=\"(max-width: 728px) 100vw, 728px\" width=\"728\" height=\"90\"  style=\"display: inline-block;\" \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>En el condado de Rock Island habr\u00e1 planes de Ambetter y Blue Cross Blue Shield of Illinois para 2027. Una prima mensual baja no siempre significa que pagar\u00e1s menos cuando [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":39979,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[10,35,5],"tags":[19971,14873,10751,441,19957,19973,19969,105,159,104],"class_list":["post-39978","post","type-post","status-publish","format-standard","has-post-thumbnail","category-hola-illinois","category-latest-news","category-quad-cities","tag-2027-open-enrollment","tag-aca-marketplace","tag-affordable-care-act","tag-east-moline","tag-get-covered-illinois","tag-health-insurance-subsidies","tag-illinois-health-insurance","tag-moline","tag-quad-cities","tag-rock-island"],"translation":{"provider":"WPGlobus","version":"3.0.6","language":"es","enabled_languages":["en","es"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"es":{"title":true,"content":true,"excerpt":false}}},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Illinois residents must enroll by Dec. 15 for health coverage starting Jan. 1, 2027. 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