You should have her check out E Health Insurance:

http://www.ehealthinsurance.com

There are plenty of good deals to be found.
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The best way solution is to go to the Vimo website below and obtain a comparison based on the quotes of 5 Insurance companies. It is a comparison website for health care. It covers doctors, hospitals, and health care insurance.

https://www.vimo.com/affiliate/affindquote1.php?affid=278&adid=19&submitQuoteForm=false&module=Healthplan
Source(s):
https://www.vimo.com

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Some of these answers seem about right. Since i have been self-employed, i just bought a random plan every year or other year. The reason is because they always jack up my rates. So i don't mind paying ten, twenty, thirty dollars here or there, or getting all stressed out and worried. I guess one should take it serious on the type, but after they jack it up hundreds of dollars, one wants to switch anyway. Now when you are talking prices, compare the monthly cost. I just happened to know one salesman that changed every few years because they cut off his commission about that time everytime so he always had a new one lined up and ready to sell. They all seemed to pay about the same and the only thing i was worried about was something really big. When i started out, i thought i better go with a great company and my hundred dollars when to two, three, four, then six. When i knew it would hit eight, i got smart, and all because i thought i was going with a great company. The fact is, today, with so many claims, they care nothing about loyalty it seems. I will suggest one only because they seemed cheap at the time i used them and that is the only reason that i know of.
Source(s):
http://www.goldenrule.com/

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Before we were covered by employer insurance we went with United Healthcare, which I do believe you can get in IL.
It is affordable, especially for an individual. Your sister will have the options of regular co-pay plans or an HSA account.
HSA does have its advantages, the premiums will be lower than with a co-pay plan and each month part of the premiums will go to a debit card that will be used only for medical purposes.
The drawbacks are, when you go to the doctor, you will pay a discounted portion of the medical bill. Say there are x-rays etc. that can really add up and your discount will still end up being pretty high.
If your sister rarely goes to the Dr. and she goes months and months without going then the $25 added each month to the debit card will certainly help.
I personally recommend the traditional co-pay, even if the premium is a little higher because once you choose HSA, you are not allowed to switch over to co-pay
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Individual health insurance will be perfect for you

Individual health insurance is available in many states to individuals and families who either do not have access to an employer sponsored plan, prefer to have their own plan with the individual carrier of their choice, or for those who wish to supplement the employer sponsored plan of a spouse for example to broaden the coverage for themselves or their dependents.

check out this site it can help you http://swbd.com/health.htm
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