Indiana comprehensive health insurance plans provide coverages similar to much more expensive group plans available through employers. Anthem Blue Cross, UnitedHealthCare, Medical Mutual, Humana, Celtic and Assurant offer comprehensive health insurance benefits to individuals and families in Indiana. It is the most common type of health care coverage.

We created this website to educate the consumer and simplify the process of applying for quality affordable health care. We take the time to investigate and find the comprehensive plans that not only match your budget, but also provide the coverage you need. Additionally, the rates you view on this website are the most competitive prices filed by each carrier with the Indiana Department of Insurance. And you will never pay any fees when you use our service. If you already have coverage, we'll evaluate your best options, which may include staying with your present company.

UnitedHealthCare’s “Copay Select” plan offers comprehensive coverage at affordable prices in most parts of the state. This particular policy features $35 copays on covered office visits (unlimited) and rich RX benefits that cover generic and non-generic prescriptions. Most preventive benefits are not subject to a deductible or copay and dental and vision discounts are included with the policy. This plan is UnitedHealthCare's best policy.

For example, in the Indianapolis area, a healthy 35 year-old male pays only $140 per month for comprehensive coverage (UnitedHealthCare “Copay Select” with $2,500 major medical deductible). This rate reduces to $107 if the deductible is increased to $5,000. Optional deductibles from $500 to $10,000 are also available. Also included is a "Vanishing Deductible" benefit which rewards policyholders that have very few claims.

A reduced rate is available from the "Copay Value" plan which reduces the covered prescription and office visit coverages. But if you don't often use those features, the savings may be enough to offset the lost benefits. This policy still provides mandated preventive services at no cost to the insured. And catastrophic claims still are well-covered.

Another popular option is the Anthem Blue Cross “SmartSense” policy. Three office visits and formulary drug prescription benefits are included along with major medical coverages. Premiums are lower than most other comprehensive plans because of the limitation in benefits.Typical preventive expenses are usually paid in full. Once again, this policy may not contain some "bells and whistles" that other more expensive plans have. However, the premium savings must be considered.

The same healthy 35 year-old male that was previously mentioned pays only $83 per month for a “SmartSense” plan with a $5,000 major medical deductible. Reducing the deductible to $1,000 will raise the premium to $133. If you don’t have many office visits or prescriptions, this type of coverage may be worth considering. However, the “SmartSense” plan is typically not recommended if there are many small children in the household.

Indiana Health Savings Accounts (HSAs) provide comprehensive benefits after a deductible has been satisfied. Although office visits (other than preventive visits) and prescriptions are subject to the deductible, with most HSA plans, 100% of expenses are covered after the deductible. Network repricing discounts will also reduce out-of-pocket expenses. The combination of lower premiums, tax deductions and accumulating money for future medical expenses, makes this type of policy very popular. Anthem and UnitedHeathCare offer the best rates. Celtic, however, offers a low-priced "Value" HSA policy.

The "Get Free Quotes" section at the top of the page will allow you to quickly compare Indiana health insurance policies, and if you wish, apply for a policy. We are always happy to help you with every step along the way. And as previously mentioned, you never pay a fee for our help.

Affordable Indianapolis health insurance plans are available through our website. Anthem Blue Cross, Medical Mutual, UnitedHealthcare and Humana offer affordable individual and family health insurance in Indianapolis and surrounding areas. Low cost catastrophic, comprehensive, HSA and short-term temporary policies offer residents a wide selection of coverage that will meet your budget.

Celtic, a smaller company based in Chicago, offers competitive rates in some areas. Assurant also provides a wide selection of policies. Their "Core-Med" plan is also reasonably priced in Central Indiana.

Indianainsurancehealth.com is Indiana’s premier shopping guide for affordable medical coverage and a trusted authority for applying for online coverage. The rates you view on this website are always the lowest allowable from each of the companies. Also, only major reputable companies are considered. No “discount plans” are ever used and there is never any cost for our services. We make it easy to locate the most competitive rates for individual, family, self-employed, short-term temporary or student health plans.

Rates in Indianapolis are typically quite competitive compared to many other parts of the state. For example, a 40 year-old healthy male can purchase catastrophic coverage with limited office visit benefits for less than $100 per month. A family of three (Male and female ages 40 and one child) can purchase comprehensive coverage with unlimited covered office visit benefits and a prescription plan for less than $300 per month. Naturally, age, health conditions and zip code will affect rates. Persons that are uninsurable may still have reasonable choices through the State "High Risk" pool.

Comparing  health insurance quotes online only takes a few minutes and you might be surprised at how many affordable plans are available. If you are between jobs, unemployed, a graduating student or looking for quick coverage, a short-term temporary policy might be the best option.

Indiana short-term health insurance rates are extremely inexpensive and are typically approved within 24-48 hours. Applications for coverage are short and generally take less than 15 minutes to complete. Although pre-existing conditions are not covered on short-term plans, it's a great option to quickly get coverage with very little delay. We'll be happy to fax or email you an application or provide an online link that allows you to easily apply. Some plans can be kept as long as 12 months. And if your health stays good, you can apply for a policy that covers you after a year.

Indiana Health Savings Accounts (HSAs) are very popular in Indianapolis. Rates are substantially lower than traditional comprehensive plans and out-of-pocket expenses on major medical claims are also typically less than most other policies. An HSA is an inexpensive alternative to conventional health insurance coverage. It is a savings account that permits you to pay for current medical, vision and dental expenses and save for future expenses on a tax-free basis. A “High Deductible Health Plan” (HDHP) is necessary to take advantage of an HSA. Anthem often has very good HSA rates. Medical Mutual and UnitedHealthcare are often very competitive as well. Celtic features a low cost "Saver" plan.

To compare Indiana health insurance coverage, please enter your zip code in the "Get Free Quotes" box at the top of this page. You can also talk to a live person by calling us at (888) 513 6446. We realize that there are many different plans to review, so please don’t hesitate to call or email us.

Indiana individual health insurance plans are available from Indianainsurancehealth.com, the state’s respected resource for Indiana individual health insurance coverage. Policies are offered from top insurers such as Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Humana, Assurant and Celtic. We research and compare catastrophic, comprehensive and Health Savings Accounts (HSA) plans and offer the most competitive medical ratesavailable to consumers.

If you need personal Indiana individual, family or HSA health coverage, we’ll review all of the large (and small) companies so that you can find a plan that fits within your budget, and also provides the coverage that you want. We never utilize any type of “limited discount” plan and update our website daily. Occasionally, insurers change rates and benefits. When that happens, we quickly review those changes and determine how it will affect individuals and families.

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 the most affordable Indiana individual health insurance plans. We’ll help you find suitable coverage since we represent you…not the insurance carriers. And you will never pay a fee for using our resources. We pride ourselves on being extremely experienced, knowledgeable, but also unbiased. For example, if Anthem is the best choice, we'll tell you. If UnitedHealthcare provides the best option, we'll tell you. If you're taking a medication that is going to affect your premium payment, we'll explain what you should do.

When you view health insurance quotes on this website, you’ll be able to 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. And there are some policies that combine both concepts.

Although the majority of Americans have employer-provided health care, each year, the number of persons that purchase individual health insurance increases. Recent national health care reform is likely to expand the number of persons that purchase Indiana individual health insurance plans, especially after 2013. If there is ever an Indiana Health Exchange created, we'll provide expert guidance so you are getting the most out of your payment.

As one of the most trusted authorities in the state for providing personal medical coverage quotes, we also provide current reform information updates and review what impact it has on your rates and coverage. Of course, the Supreme Court is likely to have the final say on what parts of Obamacare (if any) ultimately becomes law. The future makeup of Congress will also greatly determine if there will be an Indiana Health Insurance Exchange.

Indiana private individual health insurance 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.

For individuals that are unable to purchase health insurance because of pre-existing conditions, the Indiana Comprehensive Health Insurance Association (ICHIA) offers coverage. To be eligible, you must have been turned down by at least one health insurance company, have lived in Indiana for at least 12 months and not be eligible for Medicaid. The official ICHIA brochure provides additional information. 

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 Indiana individual health insurance quote at the top of this page. The quote is free, and so is our advice.