Chinese-Speaking Health Insurance Agent in Chicago
Dongni Chen (Anny) is a licensed health insurance agent who speaks Chinese (Mandarin and Cantonese) and English. She helps individuals and families in Chicago, Naperville and the rest of Illinois compare and enroll in Obamacare (ACA) plans through Get Covered Illinois, the state’s own marketplace.[1] Working with a licensed agent costs nothing extra: agents are paid by the insurance companies, and your premium is the same as enrolling on your own.[2][3]
Looking for a health insurance broker in Chicago or Naperville?
In Illinois, the license to sell health insurance is an insurance producer license, and Dongni Chen is a licensed producer (agent). Like a broker, she compares plans from several insurance companies rather than selling for one, and her help costs nothing extra.[2][3]
2027 Open Enrollment in Illinois
- Open Enrollment for 2027 coverage starts November 1, 2026. Get Covered Illinois lists Open Enrollment as November 1 to January 15; it has not yet posted the 2027 deadline for coverage starting January 1.[2]
- Pick a plan by December 15, 2026 to be sure coverage starts January 1, 2027.
- Outside Open Enrollment, you need a qualifying life event, such as losing job-based coverage, getting married, having a baby or moving.
How much does Obamacare cost in Chicago?
For a 40-year-old with $30,000 in annual income who qualifies for a subsidy, the estimated Silver premium after the subsidy is about $155 a month anywhere in Illinois. Bronze and Gold depend on where you live:[4]
| Area | Bronze | Silver | Gold |
|---|---|---|---|
| Chicago / Chinatown | $23 | $155 | $94 |
| Naperville | $0 | $155 | $79 |
ZIP codes used: Chicago / Chinatown 60616 (Cook County); Naperville 60540 (DuPage County).
Estimates use 2026 premiums with 2027 subsidy rules, and will be updated when 2027 premiums are published. A $0 premium does not mean free care: deductibles and copays still apply.
More household examples (in Chinese): Chicago Obamacare prices.
Things to know in Illinois
- State marketplace. Illinois now runs its own marketplace, Get Covered Illinois, which replaced HealthCare.gov for Illinois starting with 2026 coverage.[1]
- Plan changes for 2027. Beginning January 1, 2027, Cigna and Molina plans will no longer be available on the Get Covered Illinois marketplace. If you have one of these plans, you need to choose a new plan for 2027 during Open Enrollment.[5]
- Medicaid. Illinois has expanded Medicaid. Adults with lower income are usually screened for Medicaid first.[6]
- Immigration status. Starting in 2027, among non-citizens only green card holders and two other small groups can get federal subsidies; H-1B, F-1 and most other visa holders can still enroll at full price.[7]
Areas served in Illinois
Chicago & Chinatown
Dongni helps families in Chicago, including Chinatown, and in the north and northwest suburbs such as Evanston and Schaumburg. See Chinese-speaking doctors in the Chicago area, in Chicago city and Chinatown, and Chicago Obamacare prices (in Chinese).
Naperville & West Suburbs
She also helps in Naperville and the western suburbs. See Chinese-speaking doctors in the west suburbs (in Chinese).
The rest of Illinois is served as well. Help is by phone, WeChat and email, so anywhere in Illinois works.
Licensed and verifiable
- Licensed insurance agent Dongni Chen, NPN 20635222.
- Illinois license #20635222. Texas license #3102037. California license #4277633. Licensed in 28 states.
- Certified by Get Covered Illinois to help residents enroll.
This website is owned and maintained by Dongni Chen and is not affiliated with Get Covered Illinois.
Common questions
Do I pay more if I use an agent?
No. Agents are paid a commission by the insurance companies. The plan and the premium are the same as enrolling on your own.[3]
Is there an office I need to visit?
No. Dongni works by phone, WeChat and email, so you can enroll from home anywhere in Illinois.
Contact Dongni
Call (213) 322-8909, add WeChat 咚咚在美国（Anny） by QR code, or email dongnichen001@gmail.com. Mandarin, Cantonese or English is fine.
Also: Texas · California (Covered California) · All states
Sources
Sources checked on October 14, 2026. Links open in a new tab. Rules may change; the official sources are final.
- [1] CMS: Illinois conditional approval letter (Aug 4, 2025). “conditional approval to establish a State-based Exchange (SBE) for plan year 2026”; CMS: States by Marketplace Type for Plan Year 2027 lists Illinois as a State Based Marketplace.
- [2] Get Covered Illinois: Frequently asked questions. “This year, open enrollment starts on November 1 and ends on January 15.”; “You can also get free help from one of our Get Covered Illinois-certified brokers or Navigators.”
- [3] HealthCare.gov: Get help applying for health insurance. “They may be paid a commission by health insurance plans when they help enroll you in…”
- [4] Estimates use CMS state-based marketplace public use files (2026), IRS Revenue Procedure 2026-26, HHS 2026 poverty guidelines and the CMS default age curve, the same method as the site’s calculator.
- [5] Get Covered Illinois: 2027 plan changes. “Beginning January 1, 2027, Cigna and Molina plans will no longer be available on the Get Covered Illinois marketplace.”
- [6] Medicaid.gov: Medicaid and CHIP enrollment map; HealthCare.gov: Medicaid expansion & what it means for you.
- [7] CMS: Guidance on Noncitizen Eligibility for APTC and CSR for Plan Year 2027.