Get Indiana individual health insurance plan quotes at direct rates. Policies are offered from major insurers such as Anthem Blue Cross, UnitedHealthcare, Molina, Ambetter, and CareSource. We research and compare catastrophic, comprehensive and Health Savings Accounts (HSA) plans and offer the most competitive medical rates available to consumers.
If you need personal single, family or HSA coverage, we review all of the large (and small) companies, so that you can find a plan that is affordable, and also provides the benefits that you are most likely to utilize. We never use any type of “limited discount” plan and we also update our website daily. Annually, carriers change rates and benefits. When this occurs, we quickly review those changes and make certain you are receiving all available discounts.
If you miss Open Enrollment, you can get information here about Special Enrollment Periods that allow you to purchase low-cost plans throughout the entire year. If you qualify, the federal subsidy will be applied as an instant tax credit to help you lower the premium. The most common exemption is when you lose group benefits through an employer. Generally, you have 60 days to secure an alternative and replacement policy. You may also choose less expensive non-compliant plans, although benefits will be reduced and pre-existing conditions may not be covered.
How To Get Free Quotes
By entering your zip code in the “Get Free Quotes” button at the top of the page, you will be able to compare or apply online for your own private policy. We’ll help you find suitable coverage since we represent you…not the insurance carriers. There are no fees or invasive forms to complete. All available plans can be easily and quickly viewed.
We pride ourselves on being extremely experienced (since 1980), knowledgeable, but also unbiased. For example, if Anthem BC is the best choice, we'll tell you. If UnitedHealthcare provides the best option, we'll tell you. If you're taking an expensive non-generic Brand medication that is subject to a deductible, we'll help you find the cheapest method (provided by your contract) to buy the drugs (mail-order, for example), and search for the carrier that doesn't force you to meet a deductible.
When you view insurance prices on this website, you can easily pick the type of coverage you need. For instance, if you need low-cost high-deductible coverage, you can choose plans that will offer quality major medical benefits (and preventive coverage) at the best rates. If comprehensive coverage is needed, there are many plans that offer office visit and prescription benefits that are not subject to a deductible. Specific policies combine both concepts in Bronze, Silver, Gold, and Platinum tiers.
Private Vs. Employer-Provided
Although the majority of Americans have employer-provided healthcare, each year, the number of persons that purchase private plans increases. And this trend will probably continue unless the Affordable Care Act legislation is repealed (which is unlikely). The 2016 election, regardless of who wins, is unlikely to result in a major upheaval of Obamacare. However,several small changes and modifications are likely.
The reason personal coverage will remain popular is that the tax imposed on employers for not offering benefits to employees is far less than paying for group benefits. And because of the expense, companies with a relatively small number of workers, often opt to allow their employees enroll in Marketplace coverage, which is a situation we can save you thousands of dollars in premium and potential out-of-pocket expenses.
How Does Obamacare Effect Indiana
The Affordable Care Act has expanded the number of persons that purchase policies, especially for those that were previously not covered. We will continue to offer direct Exchange rates and assist in applying for quality coverage. You may qualify for a federal tax subsidy, so ask us to help you calculate your credit. It will take us less than a minute.
As one of the most trusted authorities in the state for providing personal medical quotes, we also provide current reform and Exchange information updates and review what impact it has on your rates and benefits. If Medicare or Medicaid is available, we will also show you those options since they may meet your financial needs the best.
Private rates may actually cost less than many employer-provided group plans. Depending on the size of the group, contributions of the employer, and your current health, medical coverage could be a viable alternative worth consideration. Since coverages may differ, we believe it is very important to discuss and compare any differences so you don’t jeopardize any existing benefits.
NOTE: For individuals that were unable to purchase medical benefits because of pre-existing conditions, the Indiana Comprehensive Health Insurance Association (ICHIA) offered coverage until 2014. To be eligible, you must have been turned down by at least one insurance company, have lived in Indiana for at least 12 months and not been eligible for Medicaid. This program has been terminated, since all Marketplace policies are "guarantee-issue."
Please feel free to call us at (888) 513 6446 if you have any questions regarding rates, coverage details or applying for a policy. You can also get an immediate online quote at the top of this page. The quote is free, and so is our advice.
August 2015 - Open Enrollment begins November 1st for policies that will be effective in 2016. The OE period continues through the end of January. Although you may change plans without answering any medical questions, you may also keep the existing plan you have. The exception would be a "grandfathered" policy (issued April 2010 or earlier) that is being terminated by your current carrier.