15 Years Helping People Choose Coverage Confidently
We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.
We started Prairie State Coverage because health insurance should never be this hard.
In 2010, our founder watched his sister — a self-employed graphic designer in her early 30s — spend three weeks trying to understand her health insurance options after losing her job. Three weeks. Dozens of confusing websites, conflicting information, and zero guidance from people who actually understood the system.
She eventually gave up and went uninsured for eight months. Four months later, she was in the emergency room with appendicitis. The bill was $34,000.
That's the story that built Prairie State Coverage. We created this agency because navigating health insurance is genuinely difficult — and it shouldn't require a law degree to understand your options.
What makes us different
To make quality health coverage accessible, understandable, and affordable for every American — individual, family, or business — through honest, expert guidance and a service that costs you nothing.
Our values
Licenses & credentials
Prairie State Coverage is licensed to sell health, dental, vision, life, and supplemental insurance in all 50 states. Our agents are appointed with all major carriers including:
We Work for You,
Not the Insurance Company
As an independent agency, we represent you — not any single carrier. That means unbiased advice, transparent recommendations, and plans chosen to serve your best interest.
100% Independent & Unbiased
We're not owned by any insurance company. We shop across 50+ carriers to find your best match — no hidden agendas, no preferred plans.
Our Service is Free to You
Carriers pay us when you enroll, so our advice and plan comparisons cost you absolutely nothing. You pay the same — or less — than buying direct.
A Dedicated Agent for Life
Your personal Prairie State Coverage advisor stays with you year over year — reviewing your plan, handling claims issues, and being there when life changes.
Fast, Simple Enrollment
Most clients are enrolled within 48 hours. Our streamlined digital process means no stacks of paperwork and no waiting weeks for coverage to begin.
What Working With an Illinois Advisor Can Look Like
The examples below are illustrative composites based on common Illinois client situations, shared with first names only, and do not represent guaranteed outcomes or specific individuals.
“As a freelance designer working gigs around Chicago, I couldn't figure out ACA plans on my own. An advisor walked me through a Blue Choice PPO option that would keep my regular doctors in-network, and the call didn't feel like a sales pitch.”
“We moved from out of state to the Naperville area and our old plan didn't work here. An advisor helped us compare family plans that covered our regular doctors in DuPage County and explained the deductible structure in plain English.”
“I'm in my late 50s and lost employer coverage when my company downsized. An advisor explained bridge plan options clearly, helped me compare plans that covered my cardiologist, and flagged my upcoming Medicare enrollment window.”