Auto Body Technicians Health Insurance in Illinois (2026)

The benchmark premium for a 40-year-old in Illinois is $646 a month for 2026, ranking 15 of 21 states published here. BLS reports a median annual wage of $50,690 for Automotive Body and Related Repairers in Illinois.

Wage benchmark and the 2026 subsidy cliff

$50,690median annual wage, Auto Body Technicians in Illinois

324%of the federal poverty level

$62,6002026 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.

This occupation is below the cliff in all 21 states reported.

What this figure is. It is the median annual wage BLS reports for Automotive Body and Related Repairers (SOC 49-3021) in Illinois. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed auto body technician. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.

Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.

Sources

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03. The 2025 guidelines govern premium tax credit eligibility for plan year 2026 coverage. The 2026 guidelines apply to 2027 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 21 states

Benchmark premium and median wage for this occupation, ranked by premium.

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$414	$59,140	below
2	Virginia	$455	$55,870	below
3	Indiana	$474	$49,550	below
4	Nevada	$497	$57,490	below
5	Ohio	$513	$48,720	below
6	Michigan	$523	$48,630	below
7	Colorado	$557	$59,070	below
8	South Carolina	$564	$59,190	below
9	Oklahoma	$604	$46,420	below
10	Wisconsin	$611	$50,060	below
11	Georgia	$615	$50,020	below
12	North Carolina	$638	$50,620	below
13	Utah	$640	$51,080	below
14	Alabama	$645	$47,250	below
15	Illinois	$646	$50,690	below
16	South Dakota	$655	$54,520	below
17	Texas	$661	$50,350	below
18	Kansas	$670	$50,200	below
19	Florida	$683	$49,760	below
20	Nebraska	$710	$50,090	below
21	Arkansas	$774	$47,230	below

Questions

Does being a auto body technician change what health insurance costs in Illinois?

No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $646 a month applies regardless of trade.

Do auto body technicians qualify for a subsidy in Illinois in 2026?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Automotive Body and Related Repairers in Illinois is $50,690, which is below the 2026 cliff of $62,600 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in Illinois for 2026?

$646 a month for a 40-year-old, ranking 15 of 21 states published here. That is full price before any premium tax credit.

Where do these numbers come from?

Premiums come from the CMS Plan Year 2026 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on Illinois

This page compares states. For Illinois specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County.

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