Low cost Indiana health insurance plans are found very easily on our website. Rates from all of the top Hoosier State carriers such as Anthem Blue Cross and Blue Shield, UnitedHealthcare (UHC), Ambetter, IU Health Plans, MDwise, and PHP (Physicians Health Plan) are provided so you can quickly consider your Marketplace and non-subsidized options.

Each day we research and update affordable individual and family policies and illustrate the lowest rates available for Hoosier State residents. NOTE: Several carriers no longer offer private under age-65 coverage in the state, including Assurant, Humana, Aetna, and Cigna. In the future, if these companies return, we will include them in our quote engine. Exchange availability is different each year.

Utilize Our Unbiased And Professional Assistance

There are no costs for utilizing this website and we are committed to saving consumers money and helping you choose the best available plan. We understand that many consumers prefer to do business by phone or email, so our Agency is typically available on weekends and until midnight. We are indeed live persons!

In a matter of moments, you can compare, save and apply online for affordable personal Indiana Marketplace plans, both on and off the Exchange. We make it easy to find the most popular private and self-employed medical coverage. Purchasing a policy may not be as expensive as you think. There are many inexpensive policies that fit within your budget and give you the coverage you expect to have. Common expenses, such as office visits, Urgent-Care, ER and inpatient or outpatient claims, are covered with many possible deductible and copay options.

Low cost health insurance in Indiana. Easily buy a policy online at the lowest possible cost.

We’ll review your current options and also keep you informed on statewide and national  reform and how it could possibly reduce (or, unfortunately...increase) your rates.The State Exchange Marketplace provides a federal tax subsidy to help pay premiums. The amount of the subsidy is based on your total household income in conjunction with the Federal Poverty Level (FPL). We can easily and quickly calculate the amount you are eligible to receive.

Federal Subsidy Estimates (Takes The Form Of Instant Tax Credit)

Listed below are 2015 subsidy estimates from random individual and family examples. We selected Lake County, although amounts can vary. For example, Marion County would generate a higher subsidy, while St. Joseph County would result in a slightly lower subsidy.


Single person age 25 with $18,000 income - $2,088

Single person age 35 with $28,000 income - $1,296

Single person age 45 with $35,000 income - $756

Married couple ages 30 with $30,000 income - $4,656

Married couple ages 40 with $50,000 income - $2,472

Married couple ages 50 with $60,000 income - $4,404

Married couple ages 30 with two children and $65,000 income - $4,356

Married couple ages 40 with two children and $65,000 income - $5,160

Married couple ages 50 with two children and $80,000 income - $6,096

Single parent age 30 with one child and $45,000 income - $912

Single parent age 40 with one child and $45,000 income - $1,320


Temporary Plans


Indiana “short-term temporary” coverage is perhaps the cheapest option available. Rates are almost always 40%-60% less than popular comprehensive plans and this type of policy is ideal if you are unemployed, just graduating, between jobs or are waiting for Medicare. For example, a healthy 30-year old male can purchase short-term coverage for only $39 ($5,000 deductible) or $43 ($2,500 deductible) through HCC Life.

Lower deductibles are available through HCC and most other carriers. UHC (also known as "Golden Rule)," also offers inexpensive options, and we'll be happy to review all of the companies for you. Deductibles as low as $500 are available.

Important Note: Short-term policies are not eligible for instant tax-credit subsidies and generally, any  medical expenses you incur from pre-existing conditions will not be paid. Also, since maternity is often excluded, temporary plans are not considered "qualified," and you may be subject to a 2% household income tax.

How To Lower Your Premium

Many other affordable  options can be viewed by simply raising the deductible. Often, premiums will reduce by hundreds of dollars per month without having any impact on covered office visits and prescriptions. Increasing coinsurance and copays will also save money, especially when non-generic prescriptions are impacted.

For example, UnitedHealthcare's "Choice" and Anthem's "Pathway X" plans feature unlimited covered office visits (both primary care and specialist), and comprehensive prescription and preventive benefits. By raising the deductible, you can potentially save thousands of premium dollars each year. This means considering a Bronze-tier plan instead of a Silver-tier or Gold-tier plan. 

Other low cost policies prior to 2014 were “Saver” and Value” plans offered by UnitedHealthCare and Anthem. Typically, they included limited office visit benefits, generic and formulary prescription coverage and higher out-of-pocket expenses on major medical claims. “Saver” and “Value” policies were cheap alternatives to higher-priced plans.

Cheap health insurance plans for individuals in Indiana. Quickly apply for a policy and have it approved within a few days.

If you were being treated for a major condition or were uninsurable prior to 2014, the Indiana Comprehensive Health Insurance Association (ICHIA) offered coverage to individuals and families who could not qualify for medical insurance coverage because of their pre-existing conditions.The program was extended for one month to January 31st (2014) before ending. With Marketplace policies readily available, there was no longer a need to continue the ICHIA.

To qualify for benefits, you had to have been previously denied for coverage and not be eligible for Medicare. Additional qualifications also had to be met. Of course, starting in 2014, pre-existing conditions were not a factor when underwriting an application.

Shopping Made Easy

We know that shopping for healthcare insurance can be time-consuming, frustrating and quite frankly...not a lot of fun! We can help. By providing  your zip code at the top of the page, the process of finding the best  options for you will begin. If you have a grandfathered plan, although benefits may be limited, it may be advantageous to keep. We can easily explain which choice is best for you.

We know you'll like the rates, and the companies you view are all top-rated. There is no obligation or cost for using our expertise and experience.