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Indiana Health Insurance Consumer Guide
Indiana uses the federally run health insurance exchange known as HealthCare.gov.
Use this guide to assist you in selecting the best health insurance for you and your family. Many people find Affordable Care Act (ACA) Marketplace plans to be budget-friendly.
These plans are also known as Obamacare or exchange plans. Through HealthCare.gov, you can explore health plans from private insurance companies. If you buy a plan from the Marketplace, you may qualify for financial assistance through an advance premium tax credit.
View our other comprehensive guides to coverage in Indiana
Dental coverage in Indiana
Get protection from expensive dental costs. Compare different plan options to find premiums and deductibles that match your budget.
Indiana’s Medicaid program
Indiana made Medicaid available to more people by adopting ACA’s expansion in 2015.1 As of August 2023, over 825,000 Indianans were covered by Healthy Indiana Plan, also known as the expanded Medicaid program in the state.2
Medicare coverage options and enrollment in Indiana
In 2023, more than 1.3 million people in Indiana were enrolled in Medicare.3 If you’re curious about signing up for Medicare in Indiana or want to know about the state’s Medigap rules, our guide has you covered.
Short-term coverage in Indiana
As of 2023, there were at least seven insurance companies offering short-term healthcare policies in Indiana.4
Frequently asked questions about health insurance in Indiana
Who can buy Marketplace health insurance?
You can buy individual and family health insurance from Indiana’s Marketplace if:5
- You live in Indiana.
- You are lawfully present in the U.S.
- You don’t have Medicare.
- You are not incarcerated.
Marketplace financial assistance, such as premium subsidies and cost-sharing reductions, depends on your income and how it compares with the cost of the second-lowest-priced Silver plan where you live. This cost is based on your age and location.
In addition, to qualify for financial assistance, you must meet the following:
- Not have access to affordable coverage through your employer. Our Employer Health Plan Affordability Calculator can help you check if you might qualify for premium subsidies in the Marketplace.
- Not be eligible for Medicaid or CHIP
When can I enroll in an ACA-compliant plan in Indiana?
In Indiana, you can sign up for individual and family health plans that comply with the ACA during the annual open enrollment period.6 This period runs from November 1 to January 15.
If you sign up before December 15, your coverage starts on January 1. If you enroll between December 16 and January 15, your coverage begins on February 1.
If the open enrollment deadline passes, you may still be able to sign up for or make changes to an ACA Marketplace health plan through a special enrollment period (SEP). To qualify for a SEP, you’ll need a qualifying life event.
However, you can apply in some situations even if you don’t have a qualifying life event. These include:
- If you’re qualified for premium tax credits and your income is less than 150% of the poverty level, you can enroll at any time until at least 2025.7
- If you’re a Native American, you can enroll whenever necessary.8
If you lose Medicaid or CHIP between March 31, 2023 and July 31, 2024, you can use the extended SEP to enroll year-round.9
How do I enroll in a Marketplace plan in Indiana?
There are a few ways to enroll in an exchange health plan in Indiana:
- You can sign up on HealthCare.gov – the ACA exchange website.
- Alternatively, you can call them at (800) 318-2596 (TTY: 1-855-889-4325). The call center is available 24 hours a day, seven days a week, but it’s closed on holidays.
- If you also get help from agents, navigators, certified application counselors or an approved enhanced direct enrollment entity.10
Many people, such as early retirees who aren’t on Medicare yet, self-employed individuals, and those working for small businesses without health benefits, find the ACA Marketplace helpful.
How can I find affordable health insurance in Indiana?
In Indiana, you can find affordable health plans through the ACA Marketplace’s website: HeathCare.gov.
Thanks to the ACA, you may be eligible for income-based subsidies called Advance Premium Tax Credits (APTC), which help reduce your monthly premiums.
Nearly nine out of 10 Indiana exchange enrollees were eligible for subsidies on 2023 plans, with an average monthly savings of about $455. People who received these subsidies pay an average monthly premium of $125.11
Source: CMS.gov12
Cost-sharing reduction also decrease costs by helping lower your deductibles and out-of-pocket costs, and you may qualify if your income is lower than 250% of the federal poverty level.13
Indiana is one of only two states that takes a unique approach to cost-sharing reductions (CSR) by distributing them across plans at all metal levels (broad loading).14 This differs from the standard practice of adding CSRs to Silver plan rates (Silver loading).
Medicaid is another affordable health coverage for those who meet the criteria. Check out our guide on Medicaid in Indiana for more information.
Short-term plans are also available as a cost-effective option if you don’t qualify for employer plans, Medicaid, Medicare, or subsidies from the exchange.
How many insurers offer Marketplace coverage in Indiana?
Five insurance companies provide individual and family plans through the exchange in Indiana.15
- Anthem (Anthem BCBS)
- Caresource
- Celtic/MHS/Ambetter
- Cigna (added for 2023)
- US Health and Life Insurance Company
For 2024, Aetna Health also will offer coverage through the Indiana exchange, increasing the number of participating insurers to six.16
Are Marketplace health insurance premiums increasing in Illinois?
Indiana individual market insurers have proposed the following average rate increases for 2024:15
Indiana’s ACA Marketplace Plan 2024 Proposed Rate Increases by Insurance Company |
|
---|---|
Issuer | Percent Increase |
Anthem (Anthem BCBS) | -0.95% |
Caresource | 0.73% |
Celtic/MHC/Ambetter | 0.64% |
Cigna | 11.62% |
US Health and Life Insurance Company | 12.87% |
Source: HealthCare.gov15
Rate increases apply to the full-price premiums. But, in Indiana, most people who use the exchange in 2023 receive financial assistance through premium tax credits.11
If you qualify for subsidies, the actual change in what you pay depends on how much your plan’s cost changes and how much financial assistance you receive from the government.
How many people are insured through Illinois’ Marketplace?
What health insurance resources are available to Indiana residents?
HealthCare.gov
800-318-2596
Indiana Department of Insurance
Oversees and licenses health insurance companies, brokers, and agents who sell insurance plans. It can be a valuable source for Indiana residents with questions or complaints about their health coverage.
Affiliated Service Providers of Indiana, Inc. (ASPIN)
A Navigator organization funded by the federal government, serving Indiana. They can assist with questions and help people enroll in Medicaid or a private insurance plan through the exchange.
Indiana State Health Insurance Assistance Information Program (SHIP)
This local service offers guidance and information to Medicare beneficiaries and their caregivers.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.
Footnotes
- “Federal Officials Approve Indiana Medicaid Expansion Plan” The Commonwealth Fund, Jan. 27, 2015 ⤶
- “Medicaid Monthly Enrollment Reports” Family and Social Services Administration, In.gov ⤶
- “Medicare Monthly Enrollment” CMS.gov, April 2023 ⤶
- “Availability of short-term health insurance in Indiana” healthinsurance.org, Feb. 23, 2023 ⤶
- “Are you eligible to use the Marketplace?” HealthCare.gov, 2023 ⤶
- “Where can you get health insurance?” HealthCare.gov, 2023 ⤶
- “An SEP if your income doesn’t exceed 150% of the federal poverty level” healthinsurance.org, Feb. 1, 2023 ⤶
- “Who doesn’t need a special enrollment period?“ healthinsurance.org, Accessed August 2023 ⤶
- “Temporary Special Enrollment Period (SEP) for Consumers Losing Medicaid or the Children’s Health Insurance Program (CHIP) Coverage Due to Unwinding of the Medicaid Continuous Enrollment Condition– Frequently Asked Questions (FAQ)” CMS.gov, Jan. 27, 2023 ⤶
- “Entities Approved to Use Enhanced Direct Enrollment” CMS.gov, April 28, 2023 ⤶
- “2023 Marketplace Open Enrollment Period Public Use Files” CMS.gov, March 2023 ⤶ ⤶ ⤶
- “2024 Marketplace Open Enrollment Period Public Use Files” CMS.gov, March 2024 ⤶
- “Federal Poverty Level (FPL)” HealthCare.gov, 2023 ⤶
- “The ACA’s cost-sharing subsidies” healthsinsurance.org, Accessed September 2023 ⤶
- ”Indiana Rate Review Submissions” HealthCare.gov, 2023 ⤶ ⤶ ⤶
- “Indiana 2024 ACA Filings” IN.gov, Accessed September 2023 ⤶
- “ASPE Issue Brief (2014)” ASPE, 2015 ⤶
- “Health Insurance Marketplaces 2015 Open Enrollment Period: March Enrollment Report”, HHS.gov, 2015 ⤶
- “HEALTH INSURANCE MARKETPLACES 2016 OPEN ENROLLMENT PERIOD: FINAL ENROLLMENT REPORT” HHS.gov, 2016 ⤶
- “2017 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2017 ⤶
- “2018 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2018 ⤶
- “2019 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2019 ⤶
- “2020 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2020 ⤶
- “2021 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2021 ⤶
- “2022 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2022 ⤶
- “Health Insurance Marketplaces 2023 Open Enrollment Report” CMS.gov, 2023 ⤶
- “HEALTH INSURANCE MARKETPLACES 2024 OPEN ENROLLMENT REPORT” CMS.gov, 2024 ⤶