Cheap Indiana health insurance rates are offered by most health insurers and we’ll help you find them. Indianainsurancehealth.com specializes in finding affordable medical coverage for residents of Indiana. Cheap, but high quality plans are provided by major companies such as Anthem Blue Cross, UnitedHealthcare, Celtic, Humana and Assurant. Aetna stopped writing personal medical coverage in the state, so they are no longer an option. Rates in most major cities, like Indianapolis and Richmond, are usually very attractive.

Of course, the least expensive type of health insurance is a “temporary” plan. Rates are extremely low although this type of coverage is designed  for only a few months of coverage. However, you can keep coverage in effect for a year, if necessary. Pre-existing conditions are excluded from coverage and typically all benefits are subject to a deductible. Most companies allow you to renew coverage one time (subject to approval), so it is still possible to use this type of policy for longer than 12 months…if you change carriers. But if your health changes, it could become an issue.

The most popular Indiana temporary  policies are UnitedHealthcare’s “Short Term Medical Plus” and “Short Term Medical Value” plans, Humana’s “Short Term” plan,  Anthem’s  “Blue Short Term” plan and Celtic’s “Short Term Silver” and “Short Term Gold” plans. Each of these policies cost significantly less than an individual or family comprehensive contract. How much less? Sometimes as much as 45%-70% less. That’s a lot of savings! UnitedHealthcare will offer the lowest premium in most portions of Indiana.

Most temporary or short-term plans feature short applications and simplified underwriting. Typically, if you can answer “No” to about 6-10 medical questions, you will be approved within 48 hours. We’re always happy to help you with the application process and help determine which company and plan is best for you. These types of health care plans are commonly used for students that just finished school, workers that lost their job or anyone needing to get coverage quickly if their current policy is lapsing. Or, if you just need time to decide about your long-term coverage, temporary plans will give you more time.

The other type of “cheap” Indiana health insurance is a catastrophic policy that is designed to cover major medical claims. Rates are very inexpensive and policies can be paid on a monthly basis. Although mandated preventive benefits are provided (no waiting period or deductible), symptomatic office visits are not covered and prescriptions are usually just discounted. If you are able to pay for office visits out of your own pocket, the savings may make this policy a great choice. And after a few years of coverage (or longer), the savings may  offset your out-of-pocket expenses.

UnitedHealthcare’s “Saver 80” plan is a popular low cost catastrophic plan that is competitively priced in most parts of the state. It is ideal for individuals and families that are willing to pay out-of-pocket for non-preventive office visits and expenses. The savings is often hundreds of dollars per month in lower premiums. Anthem’s “SmartSense” and Celtic’s “Basic” plans are additional options to consider, although they are more expensive than the “Saver 80” plan. However, they do provide more coverage including 2-3 office visit benefits per year along with generic RX protection.

“Cheap” medical coverage is available in Indiana. And you can still have some of the coverages found in much more expensive plans. Indianainsurancehealth.com provides the lowest available rates offered by each carrier. You can view your free quotes by placing your zip code in the “Quote” section at the top of the page. Naturally, there is never any obligation!

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