Silver Access Transparent Logo

Providing financial help to families purchasing insurance on the Affordable Care Act Healthcare Marketplace.

Struggling to pay your health insurance premium? We may be able to help.

Silver Access is a DuPage Health Coalition Program that helps pay your Healthcare Marketplace premium. Silver Access is not health insuranceThe Health Insurance Marketplace is a government website where you can buy health insurance.  You will pay a premium (monthly payment) for your health insurance. Based on income and family size, applicants may qualify for ACA premium assistance up to $150 per person per month.

Marketplace Open Enrollment
November 1, 2023 - January 15, 2024

Open Enrollment is the time of year to enroll in a new ACA Health Insurance Marketplace plan or you can renew or change your current plan.

Who should enroll?

  • Eligible Illinoisans who do not have health insurance coverage or are losing job-based coverage
  • Consumers currently enrolled in an ACA Marketplace plan who want to renew or change their existing plan

This brochure is also available in AlbanianArabic, Burmese, FarsiHindiPolish, SpanishUrdu, and Vietnamese!

Do I Qualify?

To qualify, you must meet these guidelines:

  • Must be able to enroll in health insurance from the ACA marketplace.
  • Must be a legal US resident or citizen living in DuPage County, Illinois.
  • Must NOT qualify for Medicaid or Medicare.
  • Must meet program income guidelines (see chart)
 It is very important for you, as a consumer, to know if your preferred medical provider participates in the insurance plan you are enrolled in. Use our provider participation tool to see where your insurance plan is accepted.
 
Computer Screen

Healthcare Provider Insurance Participation Tool

Maximum Income Guidelines (before tax)*

Family SizeMonthly IncomeYearly Income
1$3,138$37,650
2$4,258$51,100
3$5,379$64,550
4$6,500$78,000
5$7,621$91,450
6$8,742$104,900
7$9,863$118,350
8$10,983$131,800
Each additional person after 8$448$5,380
*Income guidelines effective in the 2024 calendar year.

Steps to Apply

1. Apply and enroll in Health Insurance from the Healthcare Marketplace at www.healthcare.gov.

2. Choose a Silver Level Plan* with Cost Sharing Reduction (CSR).

3. Use your entire Advanced Premium Tax Credit (APTC).

4. Select a plan from one of the following insurance companies: Blue Cross Blue Shield, Cigna, Ambetter/Celtic, Oscar and UnitedHealth.

5. Apply for Silver Access here, or click the button on this page titled “2023 Application”.

*Bronze or Gold Plans may have alternative assistance options

Once you are approved for Silver Access

Silver Access members will receive up to $150/month per member of premium assistance for the remaining months of 2023.

  • Once you are approved for Silver Access you will be asked to set up a payment plan (or pay in full) for your portion of your health insurance costs.*
  • Most members will be asked to pay for one to three months of their premium cost, plus any cost greater than $150 per member per month. See the chart below for more information.
  • All members must attend one Silver Access Orientation.
  • Silver Access will pay your monthly premium payments directly to the health insurance company.
  • Silver Access will not pay your out of pocket costs such as copayments — those are your responsibility.
    *Payments need to be set up before Silver Access enrollment will become effective.

Silver Access will ask you to set up a payment plan for (or pay in full) your portion of your health insurance costs. Payments need to be set up before Silver Access enrollment will become effective. Most members will be asked to pay for one to three months of their premium cost, plus any cost greater than $150 per member per month. See the chart below for more information.

1 Month of Premium Costs2 Months of Premium Costs3 Months of Premium Costs
0 - 100 % FPL101 - 150 % FPL151 - 250 % FPL
Family SizeMax. Yearly Income ($)Max. Yearly Income ($)Max. Yearly Income ($)
1Up to $14,580Up to $21,870Up to $36,450
2$19,720$29,580$49,300
3$24,860$37,290$62,150
4$30,000$45,000$75,000
5$35,140$52,710$87,850
6$40,280$60,420$100,700
Each Additional Person$5,140$7,710$12,850

Payment Options

You Can

Submit a One-Time Payment Members can make a onetime payment for their FULL outstanding balance (click here)
OR
Set up a Monthly Payment Plan (click here)

 

  • Members can divide their outstanding balance by 10 or 11 months (If policy starts 1/1) 
  • There are NO fees or interest charges
  • Monthly payment plans will automatically charge to youcredit or debit card on the same day each month 

Ways to Make Payments

OnlineSubmit a payment online using a debit or credit card

By MailMake check payable to DuPage Health Coalition and mail to: DuPage Health Coalition, 511 Thornhill Dr. Suite C, Carol Stream, IL 60188

In person at our office: 511 Thornhill Drive, Suite C, Carol Stream. We are ONLY accepting card or check payments (no cash)
Tuesday – Thursday, 8am-12pm & 1pm-4pm

 

 

 

 

 

 

 

 

 

Hand holding a plant

Make a ONE-TIME Payment Here

Computer Screen

Set-up MONTHLY Payments Here

Need assistance for enrollment in Marketplace and Silver Access? Schedule your appointment below! Insert your zip code and an assister nearest to you will be first on the list.