You can still get a nationwide PPO in Illinois through me. Here is how investors in Moline and Rock Island, with rentals and doctors on both banks of the Mississippi, decide between Get Covered Illinois and a private plan.
Hi, I'm Sam Jaber. I'm a broker based in Tampa with licenses in 36 states. Investors and landlords in Illinois can set up their health coverage with me on a phone call.
Think of an investor who lives in Moline and owns a dozen doors: duplexes in Rock Island, a small apartment building in Moline, and three houses across the river in Davenport and Bettendorf. She manages them herself. Her family doctor practices in Davenport because that's where the clinic was closest when she moved. She files in Illinois, so her marketplace is Get Covered Illinois. Two things decide her coverage each year: whether she sells anything, and which network actually includes her doctor in Iowa.
Rock Island County has 21 individual medical plans on Get Covered Illinois for 2026, from two insurers: 11 HMOs and 10 PPOs. Illinois prices its marketplace by rating area, and in the area that includes Rock Island the least expensive silver PPO costs 23% more than the least expensive silver HMO for a 40-year-old with no subsidy.
You can still get a nationwide PPO in Illinois through me as well: a private, medically underwritten plan whose network doesn't care which bank of the Mississippi your doctor is on.
Get Covered Illinois counts net rental income, meaning rents after mortgage interest, taxes, insurance, repairs, turnover and depreciation, together with whatever else the household earns. Help is available up to four times the federal poverty level.
Selling changes the picture. The credit is built on modified adjusted gross income, and the gain on a sold duplex generally lands there. So we buy coverage for the year that's coming, not the one that just ended.
Shop Get Covered Illinois, the only place the credit applies. Your first question is network, not price. If your Davenport doctor isn't in either insurer's HMO network, an HMO will generally pay for a visit there only in an emergency. A PPO keeps paying out of network, at a higher share for you. With the credit set by a benchmark silver plan, choosing the PPO means you cover its extra 23%, and for an investor whose care sits in Iowa that can be money well spent.
Next step: Send me your doctors and last year's Schedule E, and I'll show you both Rock Island networks with your credit applied.
A closing can lift the year well over the credit range. If you've been taking the credit in advance, the excess comes due on your tax return, and for tax years after 2025 the repayment has no ceiling. Plan for a likely sale before you enroll.
At full price, a healthy investor often does better privately. The application asks about your health, and you're approved, approved with a specific condition excluded, or declined. Approved applicants in good health often pay under the marketplace's full rate, and the network spans both states and the rest of the country. Benefits vary by plan, and we compare them line by line.
Next step: Before the listing goes live, phone me, and you'll see a nationwide PPO quote beside the unsubsidized marketplace prices for that year.
A year of big repairs and empty units can push net income down. Illinois expanded Medicaid, and KFF lists the adult limit at 138% of the federal poverty level. If your honest estimate lands there, Medicaid may be the right coverage for now, and you move back to the marketplace when rents recover.
Next step: Before you apply anywhere in a lean year, call me and we'll work out where the household's income really sits.
Stay with Get Covered Illinois, even at full price. Its plans accept every applicant and can't charge more for a diagnosis. With two insurers in Rock Island County, the job is confirming which network keeps your specialists, on either side of the river.
Next step: Share the names of your doctors and your prescriptions, and I'll check them against the Quad Cities plans.
Straight answers, no sales pitch.
Yes. All ten are from one insurer, and in Rock Island County its most affordable silver PPO runs 23% above the most affordable silver HMO.
Only if the doctor is in the plan's network, or for out-of-network care if it's a PPO, which costs you more.
Usually. The gain generally adds to the modified adjusted gross income your credit is figured from.
Yes. If you're in good health, I can set one up privately.
Tell me your county, who needs coverage, what last year's Schedule E showed and whether a sale is planned. I'll match the year to the right plan and give you real prices.
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