BJC and the Health Insurance Marketplace

The 2026 Health Insurance Marketplace Open Enrollment period is open November 1, 2025 through January 15, 2026.

Individuals and families may be eligible for a Special Enrollment Period to get 2026 coverage if they’ve experienced a significant life event, like a change in marital status or employment status. Consult healthcare.gov, or call 800-318-2596 to learn more.

BJC HealthCare hospitals and providers are part of the Individual Health Insurance Marketplace plans offered by UnitedHealthcare for the 2026 Plan Year.

  • This plan or network will cover Missouri-and Illinois-based BJC HealthCare providers and facilities and is available for purchase to residents in the following counties:

Missouri

  • Carter County
  • Crawford County
  • Dent County
  • Franklin County
  • Howell County
  • Iron County
  • Jefferson County
  • Lincoln County
  • Oregon County
  • Phelps County
  • Pulaski County
  • Reynolds County
  • Ripley County
  • Shannon County
  • St. Charles County
  • St. Francois County
  • St. Genevieve County
  • St. Louis City
  • St. Louis County
  • Texas County
  • Warren County
  • Washington County

Illinois

  • Bond County
  • Calhoun County
  • Clinton County
  • Greene County
  • Jersey County
  • Macoupin County
  • Madison County
  • Montgomery
  • Monroe County
  • Randolph County
  • St. Clair County
  • Washington County
  • While some reciprocity exists, it can be limited. Residents of other Missouri or Illinois counties are encouraged to confirm if UnitedHealthcare plans are available to them if they’re interested in enrolling on BJC HealthCare services.

Alton Memorial Hospital and Memorial Hospital in Belleville and Shiloh, Illinois campuses and Illinois-based BJC HealthCare physicians will be available in most Illinois counties through Blue Cross Blue Shield of Illinois (Blue Choice Preferred PPO). Missouri-based BJC HealthCare providers are not included in this plan or network.