Find affordable Indiana Health Insurance Marketplace and Exchange rates for individuals, families and the self-employed. We provide the lowest online prices for subsidized Obamacare policies and unsubsidized plans for your medical coverage. Instantly compare free online quotes from multiple companies for the entire Hoosier State. Ambetter and Caresource offer private plans, while UnitedHealthcare, National General, and other carriers offer unsubsidized coverage.

You can also review Senior Indiana Medicare Supplement plans and other Medigap options. If you have reached age 65, many policies are available to help pay for out-of-pocket expenses that original Medicare benefits (Parts A and B) do not cover. Part D prescription drug plans are also offered by many companies along with several Advantage contracts. Consumers have many rights and protections, along with 10 standardized plans to choose from, and retirees can review customized options.

Regardless if you own your own business, you're buying a policy for the first time, or simply can not afford your existing plan, you can compare multiple PPO, EPO, and HMO policies with the best prices on our website. Easily and quickly obtain the information you are looking for, apply, and enroll for benefits and get covered. We show you the amount of federal subsidy you are eligible for, and which plans you should choose. You can also select policies that are not subsidized by the federal government. Comprehensive office visit copay, low-deductible, and inexpensive catastrophic plans are offered.

Hoosier Medicaid benefits may be available to lower-income individuals and individuals. If you meet specific income requirements, are disabled, or are being treated for a chronic health condition, several state and federal programs may be offered. Vision, hearing, and dental benefits may also be available. HIP provides benefits for qualified adults, and incentives for staying healthy. Anthem BCBS, CareSource, MDwise, and Managed Health Services are participating carriers.


How Obamacare, New Legislation, And Other Changes Impact You

There have been many changes in the last six years, including the passage of the Patient Protection And Affordable Care Act (ACA) along with the establishment of the Indiana Health Exchange and Marketplaces. Federal subsidies can substantially reduce your rate if you qualify. Medicaid eligibility is also available for lower-income households. Medicare continues to be offered to persons that reach age 65, with many Medigap options offered in most areas. Standardized plans help consumers compare benefits and prices.

Pre-existing conditions are covered when you apply for coverage. They are included without additional premiums, waiting periods or higher deductibles. 2019 Open Enrollment  provides a window of opportunity to buy quality, yet inexpensive coverage. Enrollment time has been reduced to about 25 minutes. The Administration's proposed changes to the US healthcare system could be implemented by 2021. HSA plans may have additional features, and more carriers are expected to offer private coverage. The tax-deduction of qualified expenses will continue.

Short-term coverage has been expanded to provide guaranteed benefits up to 12 months, although existing conditions (and subsequent treatment) are not covered. However, temporary plans offer low premiums, quick underwriting approval, and flexible deductible options. Policies can be cancelled at any time without a penalty or additional obligation. Office visit, prescription drug, Urgent Care, ER, and hospitalization benefits are offered on temporary plans up to $2 million. Plans can be quickly approved, and there is no obligation to keep them in-force. Maternity and pre-existing conditions will continue to be limited or excluded.


Marketplace Open Enrollment in Indiana allows you to purchase quality medical benefits at an affordable price. Enroll online now.

Missed Open Enrollment?

Don't fret or be sad! If you missed the deadline, procrastinated too long, or simply forgot to enroll, there are plans that you can still purchase, and perhaps with federal financial aid if you qualify for a "qualified life event." (QLE).  For example, losing your prior qualified coverage, getting married, divorce, adopting a child, pregnancy, or changing residences in a new service area, are approved exceptions. If you don't qualify for an exemption, you can apply for stopgap short-term policies, that are very budget-friendly.

These customized plans can be paid monthly, and canceled by the customer at any time.  Typically, written proof is required to qualify for an SEP exception. Federal subsidies are also offered if your household income meets designated guidelines. You may also choose a non-Obamacare plan with lower premiums. However, 60 days after the "event," an off-Exchange plan will have to be chosen. When you become eligible for Medicare, a Medigap plan will be available (see below). Part D plans can cover your prescription drugs.

Whether you live in Indianapolis, Richmond, Fort Wayne, Evansville, South Bend, Rushville, Carmel, Gary, or any part of the state, we review the most popular medical options offered by the major companies. We will calculate your Obamacare federal subsidy, and explain how you can reduce your premiums with the help of new legislation. With the expansion of Medicaid, more persons are now eligible for free benefits. Hoosier Healthwise, Hoosier Care Connect, M.E.D. Works, and Healthy Indiana Plan (HIP) are several programs that help low-income households.


Indiana Senior Medicare Coverage

Applicants that have reached age 65, and are covered through Medicare, can compare Medigap plans from many of the largest insurers. Many expenses, including copays, coinsurance, and deductibles, can be covered with a supplemental policy. Advantage contracts (Part C) often provide low premiums, and Part D prescription drug plans can be reviewed. Under-65 Exchange plans should not be considered by Seniors. It is possible to receive Social Security benefits without purchasing a Medigap plan.

Available Part D plans include Aetna Medicare Rx Select, Aetna Medicare Rx Saver, SilverScript Choice, Humana Walmart Rx Plan, Humana Preferred Rx Plan,  AARP MedicareRx Preferred, AARP MedicareRx Walgreens, Cigna-HealthSpring Rx Secure, WellCare Classic, EnvisionRxPlus, Symphonix Value Rx, and Express Scripts Medicare Saver. Deductibles, copays, and formulary lists will vary, depending upon the plan.

Standardized options are available (A through J), including a high-deductible Plan F with a $2,300 deductible. Coverage can also be offered to persons that are disabled, or have not yet reached age 65. Plans F, G, and N are also very popular choices. The three types of ratings for premium calculation are issued age, attained age, and no age rating. The DOI must approve all proposed carrier rates. Increases or decreases to premiums must also be disclosed.

Advantage plans (MA) typically offer lower premiums, and may include prescription drug benefits. Wellness, dental, vision, and hearing benefits are often included. Private carriers offer these types of policies, and include Parts A and B. Several of the larger companies authorized to underwrite coverage are: Aetna, Anthem BCBS, CareSource, Cigna, Health Alliance, Humana, IU Health Plans, and UnitedHealthcare. Plans without prescription benefits are also available.

If your Advantage plan is no longer available in your service area, or Medicare terminates or does not renew the contract, you are eligible for a Special Election Period (SEP) to enroll for new coverage. The SEP lasts for three months, beginning two months before you lose coverage, and ending one month after the termination date. Your choices including picking a different plan, changing to original Medicare coverage and choosing a Part D prescription drug plan, and selecting a supplement policy.


Indiana Health Exchange Plans

The companies that are offering Marketplace policies for persons under age 65 (new and renewal) are  Ambetter and CareSource.  Anthem, MDwise,  IU Health Plans, Humana, Physician's Health Plan (PHP) and UnitedHealthcare have previously withdrawn because of rising costs. UnitedHealthcare, Aetna, Cigna, and Humana could possibly return by 2021 to offer a limited portfolio. However, additional ancillary products (dental, vision, Medigap, long-term health, life, and disability) are still offered. Temporary medical benefits are also offered by several carriers.

Short-term plans provide benefits for up to 12 months, with policies approved within 24-36 hours. Rates are low, but maximum coverage is typically limited to $2 million or less. Coinsurance and copays are also generally higher. Office visits, prescriptions and preventative benefits can be added. Urgent Care copays are often included ($50 with National General plan that utilizes Aetna PPO Network). Online medical visits subject to low copays are also offered.

More than 50 options are available through Platinum, Gold, Silver, Bronze and Catastrophic "Metal" plans. US Health And Life offers compliant small group metal plans. Anthem BC also offers small business, and other related plans. The least expensive plan options are CareSource Marketplace Bronze, CareSource Marketplace HSA Eligible Bronze, Ambetter Essential Care 2 HSA, Ambetter Balanced Care 11, Ambetter Balanced Care 5, Ambetter Balanced Care 4, and CareSource Marketplace Low Premium Silver. Based on your budget and medical history, you can customize a policy to maximize your savings, and reduce your out-of-pocket expenses.

If you have existing coverage through a grandfathered plan (policy issued on or before April of 2010), or if you purchased an Exchange contract in previous years, you may retain the policy without losing any benefits. However, if prices have increased or your providers no longer participate in the carrier network, you should compare other available options. If your existing policy is being terminated by your insurer, written notification is always provided, and you are granted 60 days to choose an alternative policy. No medical underwriting is required, and pre-existing conditions are covered. However, you may be required to choose new physicians and other medical facilities.

Healthy Indiana Plan (HIP) provides benefits for qualified adults in low-income households. Applicants must be between 19-64, reside in the state, and not be disabled. Dental and vision coverage is also offered if you are between the ages of 19 and 64. Maximum annual income requirements must be met, which are about $17,000 for individuals, $23,000 for a couple, and $36,000 for a family of four. The program is designed to create financial independence for all members.

A Personal Wellness and Responsibility (POWER) account is created to pay the first $2,500 of medical expenses. Most of the expenses are paid by the Hoosier State, and each covered individual pays a small premium, which is based on his/her income. HIP Plus and HIP Basic are available.


Shopping Online Made Easy

Our personal and professional advice helps you compare the most popular and reputable highly-rated companies so you can simply choose the best options. High-Deductible, copay, short-term, and HSA coverage are just a few of the choices provided, so you are presented with the best possible solutions. Owners of businesses, and the self-employed can easily review personalized proposals based on their unique budget and medical conditions. Students, unemployed persons, seasonal workers, and business owners can obtain medical benefits that specifically meet their needs.

Shopping for new coverage can be a hassle, so part of our job is to make the process simple and easy for you. The Marketplace/Exchange concept of enrolling can be quite challenging, considering the complexity of plans along with the impact your household income now has on what you pay. All policies are approved by the Indiana Department of Insurance, with comprehensive descriptions of benefits always available. Prescription drug coverage is typically provided in different tiers. For example, Tier 1 usually includes generic drugs, while Tier 2 often includes preferred brand name drugs. Tier 3 and Tier 4 drugs typically have the highest copays and coinsurance.

Our three decades of experience and expertise will help you every step of the process. You don't have to worry about trying to enroll without the proper guidance. Whether by phone, email or any other method, we can reduce the amount of time it takes you to enroll in half, and ensure you're applying for the right policy.

Get the cheapest health insurance in Indiana. Quick quote online, compare and find the most affordable medical plans in Indiana

If you're currently on COBRA, additional policies can be offered. You no longer are required to remain on COBRA for 18 months because of the "Special Enrollment Period" exemption. The SEP allows you to qualify for guaranteed coverage that is eligible for subsidies, regardless of the time of the year. This assumes you have lost qualified benefits (from an employer, for example) within the last 60 days. Not all family members are required to select the same plan.

Also, If dental, vision or life benefits are needed, we can help. You have a budget to meet and we will show you the options that fit best. At your request, we can handle the entire buying direct process from the initial quote to the delivery of the contract. You don't have to see anybody in person or complete any long forms. Additional ancillary products (long-term care, disability, life, final expense, and critical-illness) are also provided. Property and casualty products (auto, home, boat, motorcycle) are offered by many insurers.

The "SHOP" (Small Business Health Options) Marketplace provides free online quotes and customizable low-cost options for employers with less than 50 employees. A tax credit may also be available.


Your Application

A submitted application can be approved within a few days and your coverage can be effective just as quickly. If you need immediate coverage, temporary policies can go into effect the next day, and you'll be assigned a policy number. During Open Enrollment periods, there are some restrictions regarding effective dates of policies. For example, when you request a January 1st effective date, the deadline for completing the short application is December 15th.

Often, the type of benefits you need is completely different than someone else. For example, a college student may be more concerned with specific policy options than someone getting ready to retire. Also, pre-existing conditions are typically covered, so it's critical for you to purchase the right type of policy with your potential out-of-pocket medical costs and budget helping determine the most appropriate plan. Copays on diagnostic tests and x-rays can be just as important as the copay on office visits or Urgent Care visits.

Our experience can help you make the right choice. Since rates and plan design can change, it's always a good idea to review your policy each year. Also, if your income changes, it could impact the amount of subsidy you receive. Each year, we will re-calculate your federal subsidy and determine the best Marketplace options for you. The Senior  Indiana Department of Health (part of the DOI) provides additional resources, including reform, long term care, compliance, tobacco prevention and cessation, and the Healthy Hoosiers Foundation. But residents that have reached age 65 are provided additional services.


Free Quotes

You can "Get Free Quotes" at the top of the page, and compare direct or apply online for the best available plans. Prices and any approved benefit changes are updated daily. Typically, the most competitive plans are offered by National General, UnitedHealthcare (short-term only), Ambetter, and CareSource. Anthem Blue Cross offers Group and Senior products.

Aetna and Medical Mutual no longer offer private coverage in the state. Unicare also ceased writing business. Assurant exited the individual market. Many carriers offer "outside-Exchange" options which may be very attractive to households with higher incomes that don't qualify for instant tax credits. These policies still contain the mandatory 10 essential health benefits. Note: UnitedHealthcare and Aetna offer group plans through employers, but not private individual or family coverage.

We realize that comparing copays, coinsurance, deductibles and coverage from several companies is not easy or fun. At any time, please feel free to contact us (the "contact us" link is at the top of the page) or call us. We handle all shopping, comparing and researching for you. Affordable Indiana health insurance coverage is just a click away.