Health insurance for individuals under 65 

We offer Major Medical insurance on- and off the Health Insurance Marketplace. Many of our clients have qualified for financial help to lower their premiums.

We have helped hundreds of clients enroll in coverage through the Marketplace (subsidized health insurance plans).




The Open Enrollment for Major Medical plans in Illinois ended on December 15th, 2019.  Right now you need to have a special event to purchase major medical plans (even if you are not interested in any financial help!) The most common special events are loss of qualifying coverage (for example employer-based coverage, Medicaid), getting married, having a baby, moving to a new home in a new ZIP code or county, getting a legal status.

We represent all the companies which offer major medical plans in Chicagoland -Blue Cross Blue Shield, Ambetter and Cigna.

Please contact our agency for more information and quotes -708 669 7222.

If a Major Medical insurance is not available or you are looking for more affordable options, we can offer you temporary medical plans. They work for a shorter period of time (in Illinois the maximum term is 180 days). Temporary plans are available at any time during the year and can be effective the next day after submitting an application. In most cases they will cost less than Major Medical plans (if you don't qualify for a subsidy). We can offer you temporary plans from such companies as United Healthcare, National General, Pivot Health and IHC.

Please call our agency today for a free quote.



We also assist employers who want to provide health coverage to their employees and possibly to their families. Those employers can purchase group health insurance. Group plans usually have more options (for example larger networks) than individual plans and they are also available at any time during the year.

Insurance plans for Medicare beneficiaries

We offer various insurance plans to our Medicare clients. In our agency you can buy Medicare SupplementsPrescription Drug Plans as well as low cost (or even premium-free) Medicare Advantage plans. Medicare Supplements can be purchased at any time during the year, whereas Medicare Advantage and Prescription Drug Plans are available during the Initial Enrollment Period (when you first enroll in Medicare), during the Annual Enrollment period (October 15th -December 7th) and in some other special situations (for example when you lose your employer based coverage). We also offer $0 premium Medicare MSA Plans which combine a high-deductible insurance plan with a medical savings account that you can use to pay for your health care costs. 

We represent many carriers -Blue Cross Blue Shield, Aetna, United Healthcare, Humana, Cigna, Silverscipt, Wellcare and Lasso Healthcare (MSA plans).

Please contact our agency for more details and free quotes.

Other insurance products

​We also sell other health insurance products e.g. dental insurance, vision insurance, hospital indemnity plans, Critical Illness, accident plans and travel medical insurance (for travel outside of the U.S.)

We can also offer you various types of life insurance.

Please contact our agency for more information and free quotes - 708 669 7222

Why don't you use our knowledge and experience? Our advice and assistance are free!

Optima Insurance Agency

6606 W. Irving Park Rd.  Suite 2

Chicago, IL 60634 

Phone: 708 669 7222