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The 2019 Health Insurance Exchanges in Indiana provides extremely affordable medical coverage in all areas of the state. Whether you're a young adult, or nearing Medicare-eligibility, each Metal tier offers several very attractive individual and family policies. If you apply during the Open Enrollment period, your pre-existing conditions are covered, and your rates may dramatically drop if you qualify for a federal subsidy.

We make it easy for you to find the cheapest Marketplace rates in the Hoosier state for both single and multi-person households, and also subsequently enroll for coverage. Our direct application links reduce the enrollment process by 50% and expedites the approval of the policy. It only takes about 20 minutes to purchase a policy with or without a federal subsidy. You may also select a non-Obamacare plan.

Under-65 plans provide comprehensive benefits, including hospital, office visit, ER, Urgent Care, inpatient and outpatient surgery, and maternity.

Note: Indiana Medigap coverage is available to Seniors that are Medicare-eligible. The Open Enrollment Period is from October 15th through December 7th for 2019 effective dates. However, a 7-month window is also provided that surrounds the month you reach age 65. Advantage, Supplement, and Part D prescription drug plans are offered from many companies. MedSup plans are standardized while Advantage contracts often include prescription benefits, and other extra coverage, including dental, vision, and hearing.

Below, we have examined and compared all available plans in the state, so you can view the least expensive options in your area. Of course, depending on your overall health, often a more expensive upgraded contract may be the most cost-effective option in covering your medical expenses. However, if you qualify for a federal subsidy (we'll calculate the amount for you), a cost-sharing Silver-tier plan often should be strongly considered. Ambetter and CareSource are the only two carrier options, since Anthem and MDwise no longer offer private plans to applicants under age 65. Aetna, Humana, UnitedHealthcare, Cigna, and other companies offer Group and/or Senior products.

 

Catastrophic Tier  (Federal Subsidies are not available in this Tier. You must also be under age 30)

No available plans.

 

Bronze Tier

CareSource Marketplace Bronze - $7,400 deductible with 40% coinsurance. $35 copay for pcp office visits, but specialist visits must meet coinsurance and deductible. Generic drugs are subject to $30 copay ($75 mail-order). Generally, this plan is the least expensive option for most areas of the state.

CareSource Marketplace Bronze Dental And Vision - Identical to prior plan, but with dental and vision benefits included.

CareSource Marketplace HSA Eligible Bronze - HSA-eligible plan with $5,200 deductible and 50% coinsurance. This plan is ideal for healthy households that rarely meet a deductible. Preventative benefits continue to be provided with no out-of-pocket expenses, but all other items must meet deductible. Negotiated discounts also help.

Ambetter Essential Care 2 HSA - HSA-eligible plan with $6,550 deductible with 0% coinsurance. This plan is slightly more expensive than the CareSource HSA.




The most affordable medical plan in Indiana is often a Silver-tier Marketplace option. Special cost-sharing is available.

 

Silver Tier

Ambetter Balanced Care 11 - $6,000 deductible with 40% coinsurance. Office visit copays are $30 and $60. The Urgent Care copay is $100. Generic and preferred brand drug copays are $20 and $50. $30 copay for diagnostic tests. 

Ambetter Balanced Care 5 - $7,350 deductible with 0% coinsurance. Office visit copays are $40 and $80. The Urgent Care copay is $100. Generic and brand name drug copays are $20 and $60.

Ambetter Balanced Care 4 - $7,050 deductible with 0% coinsurance. Office visit copays are $30 and $60. The Urgent Care copay is $100. Generic and brand name drug copays are $15 and $50. 

Ambetter Balanced Care 2 - $6,500 deductible with 0% coinsurance. Office visit copays are $30 and $60. The Urgent Care copay is $100. Generic and brand name drug copays are $15 and $50. 

Ambetter Balanced Care 1 - $5,500 deductible with 20% coinsurance. Office visit copays are $30 and $60. The Urgent Care copay is $100. Generic and brand name drug copays are $10 and $50.  

CareSource Marketplace Low Premium Silver - $6,400 deductible with $7,900 maximum out-of-pocket expenses and 15% coinsurance. $25 and $50 office visit copays with $75 Urgent Care copay.  $20 and $50 copays on generic and preferred brand drugs ($50 and $125 90-day mail order copays).

CareSource Marketplace Standard Silver - $5,700 deductible with $7,700 maximum out-of-pocket expenses and 20% coinsurance. $15 and $40 office visit copays with $75 Urgent Care copay.  $15 and $45 copays on generic and preferred brand drugs ($37.50 and $112.50 90-day mail order copays).

CareSource Marketplace Low Deductible Silver - $4,400 deductible with $7,500 maximum out-of-pocket expenses and 30% coinsurance. $10 and $60 office visit copays with $75 Urgent Care copay.  $10 and $60 copays on generic and preferred brand drugs ($25 and $150 90-day mail order copays). 

 

Gold Tier

Ambetter Secure Care 1 with Three Free PCP Visits - $1,000 deductible with 20% coinsurance. First three pcp office visits are covered in full. Generic and preferred brand drug copays are $10 and $25. The non-preferred brand drug copay is $75.

CareSource Marketplace Gold - $2,000 deductible with $6,500 maximum out-of-pocket expenses and 20% coinsurance. $0 and $35 office visit copays with $75 Urgent Care copay.  $10 and $50 copays on generic and preferred brand drugs ($25 and $125 90-day mail order copays).  The non-preferred brand drug copay is $200 ($500 mail order).


 Platinum Marketplace healthcare coverage in Indiana is the best you can find. Low deductibles and out-of-pocket expenses make it very popular.

 

Platinum Tier

 No available plans

 

After Open Enrollment Ends

 

You can apply for coverage after the end of each Open Enrollment period. However, to qualify for a Marketplace plan, you need a "Special Enrollment Period" exception (SEP). Situations that qualify for this exemption include losing coverage from a divorce, moving to a different service area, termination of an employer-sponsored plan, exhaustion of COBRA benefits, reaching age 26, becoming pregnant, or change in citizenship or immigration status. However, you must convert to a new plan within 60 days or wait until the next OE period. The SEP exception does not guarantee that you will receive a federal subsidy. You may also choose a non-compliant plan without paying a penalty.

If you go beyond the 60-day period, although several options are offered, coverage for pre-existing conditions is not guaranteed, and "essential benefits" may not be fully included in the policy you select. Alternative plans often feature lower premiums and quick underwriting approval. However, benefits, including prescription drug coverage, may be limited, and higher out-of-pocket expenses may be applied to major medical claims. If a spouse becomes eligible for new coverage, you also may be able to be added to the policy without medical underwriting. For example, a new job may offer immediate benefits for all family members.

If you voluntarily terminate or cancel a plan, let your policy lapse, or simply forget to enroll for coverage, an exemption will not be granted. However, you can apply for temporary benefits that can potentially cover large medical expenses until you are eligible for the following Open Enrollment. But during this period, larger potential out-of-pocket expense situations are more likely. Several short-terms can be kept for 12 months (four consecutive three-month plans). Temporary policies typically don't contain all of the benefits provided by Exchange contracts, including maternity coverage.

If you don't qualify for an SEP exemption, additional options are available. Simply contact us and we can review the most affordable individual and family health insurance plans in Indiana. Some of these options include non-compliant plans that do not satisfy Obamacare legislation mandates. Thus, although the prices of these policies are quite low, you may have to pay up to 2.5% of your household income as a special tax. This penalty expires at the end of 2018. Plans ad prices can differ from one county to another.

 

Under Age-65 Monthly Rates

Shown below are prices for the three least expensive plans in Indiana's largest Counties. Rates are based on a married couple (ages 45) with household income of $34,000.

Marion County

$95 - CareSource Bronze

$132 - CareSource Hoosier Bronze

$159 - CareSource HSA Bronze

 

Lake County

$171 - Ambetter Essential Care 2 HSA

$177 - Ambetter Essential Care 5

$194 - Ambetter Balanced Care 4

 

Allen County

$75 - CareSource Bronze

$107 - CareSource Hoosier Bronze

$130 - CareSource HSA Bronze

 

Hamilton County

$95 - CareSource Bronze

$132 - CareSource Hoosier Bronze

$159 - CareSource HSA Bronze

 

St. Joseph County

$73 - CareSource Bronze

$114 - CareSource Hoosier Bronze

$151 - CareSource HSA Bronze

 

Elkhart County

$73 - CareSource Bronze

$125 - CareSource HSA Bronze

$151 - CareSource Federal Simple Choice Bronze

 

Vanderburgh County

$167 - Ambetter Essential Care 2 HSA

$172 - Ambetter Essential Care 5

$189 - Ambetter Balanced Care 4

 

Tippecanoe County

$55 - CareSource Bronze

$115 - CareSource HSA Bronze

$144 - CareSource Federal Simple Choice Bronze

 

Porter County

$166 - Ambetter Essential Care 2 HSA

$172 - Ambetter Essential Care 5

$189 - Ambetter Balanced Care 4

 

Hendricks County

$183 - Ambetter Essential Care 2 HSA

$189 - Ambetter Essential Care 5

$208 - Ambetter Balanced Care 4

 

Johnson County

$238 - Ambetter Essential Care 2 HSA

$244 - Ambetter Essential Care 5

$266 - Ambetter Balanced Care 4

 

Monroe County

$238 - Ambetter Essential Care 2 HSA

$244 - Ambetter Essential Care 5

$266 - Ambetter Balanced Care 4

 

Indiana Medicare Open Enrollment For Seniors

 

Open Enrollment begins on October 15th and ends on December 7th. However, if you have reached age 65 or are eligible for Medicare, you do not participate or purchase plans through the Marketplace. During these dates, you can change your existing plan and/or your prescription drug coverage. The effective date of the changes would be on January 1st. If you miss the deadline, it's possible that you may be able to enroll in a plan, although medical underwriting may be required.

If you are currently enrolled in a Medicare Advantage plan, you can change to original Medicare. Your Part D benefits (drugs/prescriptions) can be purchased separately. Medigap (Supplement) coverage may also be offered, depending on your zip code or county. These plans are issued and underwritten by private insurers (Humana, Blue Cross, Aetna, UnitedHealthcare, for example).

There are many more carriers offering products to Seniors instead of persons under age 65. However, plans are standardized and easier to compare benefits. The Centers of Medicare and Medicaid Services, which is controlled by Congress, run the federal program. If you are eligible for Social Security, you can request benefits. Listed below are some of the larger companies that offer coverage:

 

Issue Age Policies (Premium Does Not Increase Because You Grow Older)

United American

Physician's Mutual

National States

Bankers Fidelity

Everence Association

Combined Insurance

 

Attained Age Policies (Rate Goes Up As You Get Older)

AARP-UnitedHealthcare

American National

Central Reserve

Pekin Life

Equitable

Gerber

Genworth

Colonial Penn

Physician's Mutual

Humana

Shenandoah Life

Thrivent

Cigna

Central States

Transamerica

Everence

Globe Life

Medico

State Mutual

Provident

CSI Life

American Republic

Bankers Fidelity

Continental Life

Oxford Life

USAA

 

PAST UPDATES:

Indiana's Children's Health Insurance Program (CHIP) received great news. The federal government will pay more than 99% of the plan costs for the next two years. Originally, the reimbursement was going to be approximately 77%. This should help enrollment, which is typically among the lowest (percentage of state population) in the US. The extra revenue is expected to be about $25 million.

Only seven states receive more than 98% reimbursement of CHIP costs. The program is designed for households that make too much money to qualify for Medicaid, but also can not afford private medical plans offered by carriers in their area. More than 8% of children in the state are without coverage.

Anthem continues to lead all carriers in market share and this year will not be an exception. However, if you're looking ahead to 2019, anticipated changes by President Trump should increase the number of available companies. Perhaps, Cigna, Aetna, and UnitedHealthcare will return.

Open Enrollment has been shortened. The first day is November 1 and the last day is December 15th. Anthem, Aetna, and UnitedHealthcare did not offer private plans last year.