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.
Illinois Families Who Found Their Coverage
“I'm a freelance graphic designer in Wicker Park and couldn't figure out ACA plans on my own. Prairie State Coverage found me a Blue Choice PPO that kept all three of my doctors in-network. The whole process took one phone call.”
“We moved from Indiana to the Chicago suburbs and our old Indiana plan didn't work here. Prairie State Coverage set up our whole family — me, my wife, and two kids — within two days of our move. They knew exactly which Advocate-network plans worked in DuPage County.”
“I'm 58 and lost my employer coverage when my company downsized. Prairie State Coverage explained the bridge plan options clearly, found me a plan that covers my cardiologist, and reminded me about my Medicare enrollment window coming up. More thorough than I expected.”