Families in Chicago typically see hourly rates of $140–$210/hr. Here's how that compares nationally, what insurance covers in Illinois, and what to expect locally.
$140–$210/hr · Above national averageUpdated April 2026$36,000/yr
Covers through age 21
Illinois Medicaid (MMAI and Medicaid Managed Care) covers ABA for children with autism.
Chicago-area ABA rates are significantly higher than downstate Illinois, reflecting a competitive provider market and higher cost of living. Illinois's insurance mandate caps annual benefits at $36,000 for individuals through age 21. Most major carriers operating in Illinois cover ABA up to this cap, though intensive full-time programs (30+ hrs/week) will typically exhaust the annual limit.
ABA therapy in Chicago typically costs $140–$210 per hour. For 20 hours per week, families can expect monthly costs of $11,000–$18,000 without insurance. Illinois commercial insurance covers ABA up to $36,000 per year for individuals through age 21.
Illinois law (215 ILCS 5/356z.14) requires insurers to cover ABA therapy up to $36,000 annually for individuals through age 21. For part-time programs (10–15 hours/week), this cap is often sufficient. Families pursuing intensive programs (30–40 hours/week) will likely exhaust the cap mid-year and face out-of-pocket costs.
Yes. Illinois Medicaid covers ABA therapy for children with autism through the Medicaid Managed Care and MMAI programs. Families must obtain a diagnosis and prior authorization. Coverage through Medicaid is not subject to the $36,000 commercial insurance cap.
Chicago ABA rates ($140–$210/hr) are above the national average of $120–$150/hr. The premium reflects Chicago's higher cost of living and BCBA compensation levels. Families in suburban Cook County or DuPage County may find rates 10–20% lower than in the city proper.
Higglo works with ABA providers across Illinois on marketing, intake, and growth. Talk to our team about your program.
