Indiana health insurance for the uninsured is available at surprisingly low rates. Inexpensive health care coverage is offered by Anthem Blue Cross, Aetna, UnitedHealthOne, Humana and Celtic. Plans for individuals, families and the self-employed give the uninsured many different Indiana health insurance options to consider. And generally, there is no rate penalty for not having prior coverage. When you request a free quote on this page, quickly,you'll be able to see the most affordable options.

Indianainsurancehealth.com is one of Indiana’s most trusted providers of Indiana health care plans. The rates you view on this website are the lowest published rates provided by each carrier. We make it easy for you to compare premiums and benefits and apply for quality medical coverage without paying any fees. We’ll help you determine what type of policy is best for you, and what company offers the most affordable price for the coverage you want.

A popular policy for those without coverage is a temporary short-term plan. This type of policy is the least expensive type of Indiana health insurance for the uninsured. Coverage is designed to be kept for 1-12 months and it is ideal for persons that are laid off, between jobs, graduating students from high school or college, seasonal workers or waiting for Medicare to begin. Typically, Celtic, Humana and UnitedHealthOne offer the most competitive rates. Policies are issued and approved quickly and can be terminated at any time. The selected deductible applies to all coverage which keeps the rate low.

“Catastrophic” or “High Deductible” plans also tend to be easy on the budget. Often used with Indiana Health Savings Accounts, these low cost policies cover major medical expenses such as hospital expenses, emergency room charges, inpatient and outpatient expenses and professional fees of doctors, nurses and surgeons. Typically, office visits, prescriptions and other benefits are not included. However, for persons interested in keeping rates low in return for taking on additional risk, it is an ideal choice. Also, routine physicals, well-baby exams and OBGYN exams are covered without any out of pocket cost.

Unlike auto insurance, with most companies, you will not be charged a higher rate because you don’t have prior existing health insurance. However, pre-existing conditions may not be immediately covered for any person that is uninsured at the time an application is submitted. Often, however, after a waiting period, if the policy is approved, existing conditions will be covered. We’ll be happy to personally discuss your specific situation and recommend the company and  plan that works best for you.

Other Options

Indiana residents under the age of 65 who are blind or disabled may be eligible for health care under Indiana’s Medicaid program. Families with children and pregnant women who meet specific financial guidelines may be eligible to receive benefits under “Hoosier Healthwise.” For additional information on health insurance coverage for low-income families, please contact us and we'll provide additional information. 

Indiana, like many states, did not expand the high-risk insurance pool program to cover certain pre-existing conditions. Instead, the US Department of Health and Human Services is in charge of that task. Indiana Governor Mitch Daniels correctly pointed out that costs and requirements were unknown (in March) and federal funding for the project might run out before it ends in 2014. It is possible that there will be a Supreme Court decision in 2012 that will determine and possibly shape the future of these programs.

To easily view some of the best Indiana health insurance plans for the uninsured, you can fill in your zip code at the top of the page. Not all plans are alike and that's where we can help with finding the "right" plan for you.