Affordable Indianapolis health insurance plans for personal or business needs are offered through our website. It only takes a few minutes to compare prices and benefits side-by-side so you can quickly see details of available plans. Hoosier Marketplace plans are eligible for large federal subsidies, and policies without subsidies can also be reviewed.
Marion County also features many Senior Medigap plans that can help pay for expenses that original Medicare benefits do not cover. Separate Part D prescription drug plans, along with Supplement and Advantage contracts are also offered. Persons that have reached age 65 can compare many low-cost options.
We provide prices, free online quotes, information, and enrollment for Anthem Blue Cross and Blue Shield (Wellpoint), UnitedHealthcare, Ambetter, Humana, CareSource, Aetna, and other large insurers that offer individual, family, Group, and Senior health insurance in Indianapolis and the surrounding area.
NOTE: Aetna, Cigna, PHP, MDWise, IU Health Plans, and Medical Mutual, withdrew from the private marketplace, although it is possible they may return. Also, you can enroll for both “on” and “off” Marketplace coverage. Several of these carriers also offer Group coverage along with various ancillary products.
Marion County has almost one million residents and is home to some of the finest hospitals, including Indiana University, St. Vincent and Franciscan St. Francis. The medical treatment is recognized as among the finest in the Midwest and contributes to the competitive cost structure of private and corporate medical coverage.
Additional facilities in the area include Billings VA, Clarian Health Partners, Community Hospital, Fairbanks Addiction Treatment Center, Hawley Hospital, Kindred Hospital, Martindale Brightwood Center, Roudebush VA Medical Center, Sunnyside Sanitarium, and Winona Memorial.
We understand that “one policy does not fit all,” so our solutions are based on the needs of single, family and self-employed buyers. You can purchase direct when you use our free resources that are designed to save you money. Marketplace and non-Obamacare policies are offered, and we will help you calculate the amount of your federal tax subsidy, which could pay most or all of your premium.
As your unofficial “Exchange,” our job is to consult and help, not to sell. Whether you need a state, federal or personal policy, we’ll make sure you get the “best deal.” Marketplace plans are offered that include guarantee-issue and federal tax relief. You can not be denied because of a pre-existing condition, and medical questions will no longer be asked when you apply for a policy. However, underwritten short-term plans can deny an applicant because of past or present pre-existing conditions.
Marion County (and nearby counties) have historically had very attractive and competitive premiums for medical coverage. The large number of hospitals and medical facilities in the area help reduce costs and increase sizes of provider networks. Also, physicians often incur lower fees compared to other parts of the state. Health care expenditures are high compared to most other states, and mental health services are more widely available than most other areas. Expansion of Medicaid has helped many low-income households obtain quality medical benefits.
The price of enrolling in private plans has always been a “good value”, and we believe prices will remain attractive, based on recent Supreme Court decisions. The Hoosier state offers many budget-friendly options, especially if your household family income meets Federal Poverty Level (FPL) guidelines. Higher-income households also have several affordable options, including 12-month short-term policies.
Medicare Supplement Plans In Indianapolis
Monthly rates illustrated below are for a 65-year-old female. Age, gender, and county of residence can impact prices.
$76 – AARP-UnitedHealthcare
$87 – Humana
$89 – Philadelphia American Life
$89 – CSI Life
$104 – Guarantee Trust Life
$106 – United American
$107 – Medico
$108 – Thrivent
$109 – United World Life
$109 – Cigna
$109 – Bankers Fidelity
$106 – Equitable
$111 – American Retirement Life
$112 – Gerber
$113 – Manhattan Life
$126 – Americo
$141 – Oxford Life
$115 – AARP-UnitedHealthcare
$123 – Manhattan Life
$124 – Continental Life
$154 – United American
$128 – Philadelphia American
$146 – Manhattan Life
$146 – AARP-UnitedHealthcare
$189 – United American
$132 – Guarantee Trust Life
$134 – United World Life
$135 – Thrivent
$136 – Bankers Fidelity
$136 – Cigna
$136 – Americo
$145 – Americo
$146 – AARP-UnitedHealthcare
$147 – CSI Life
$163 – American Retirement Life
$168 – Oxford Life
$174 – Continental Life
$236 – Gerber
Plan F (High Deductible)
$29 – United American
$41 – Philadelphia American
$59 – Humana
$95 – United World Life
$102 – Cigna
$105 – Sentinel Security
$107 – Thrivent
$108 – CSI Life
$108 – Americo
$113 – Medico
$113 – Bankers Fidelity
$116 – Equitable
$121 – American Retirement Life
$128 – Pekin Life
$129 – Companion Life
$129 – Oxford Life
$129 – AARP-UnitedHealthcare
$135 – CSI Life
$139 – Central States
$142 – Mutual Of Omaha
$150 – Gerber
$178 – United American
$86 – Cigna
$86 – Thrivent
$87 – Equitable National Life
$87 – Shenandoah Life
$89 – Guarantee Trust Life
$92 – Continental Life
$92 – Greek Catholic Union
$92 – Liberty Bankers Life
$95 – Manhattan Life
$95 – Philadelphia American Life
$96 – American Retirement Life
$98 – Humana
$98 – AARP-UnitedHealthcare
$99 – Mutual Of Omaha
$100 – Individual Assurance
$105 – CSI Life
$111 – Medico
$113 – Central States
$117 – Transamerica
$118 – Combined Insurance
$119 – Equitable Life
$121 – Oxford LIfe
$140 – United American
Medicare Advantage Plans And Monthly Rates (Marion County)
AARP MedicareComplete Plan 1 (HMO) – $0 per month with $225 deductible and 3,919 available formulary drugs. Primary-care physician copay is $10 and specialist copay is $45. The outpatient hospital copay is $360 and Urgent Care and ER copays are $30-$40, and $90. Lab services and outpatient x-rays are covered with $0 and $14 copays. 30-day drug Tier 1, 2, and 3 copays are $0, $10, and $47. 90-day Tier 1, 2, and 3 copays are $9, $30, and $141.
Allwell Medicare (HMO) – $0 per month with $200 deductible and 4,275 available formulary drugs. Primary-care physician copay is $0 and specialist copay is $40. The outpatient hospital copay is $280 and Urgent Care and ER copays are $40, and $90. Lab services and outpatient x-rays are covered with $0-$10 and $35 copays. 30-day drug Tier 1, 2, and 3 copays are $0, $5, and $37. 90-day Tier 1, 2, and 3 copays are $0, $15, and $111.
Allwell Medicare (PPO) – $19 per month with $200 deductible and 4,294 available formulary drugs. Primary-care physician copay is $5 and specialist copay is $40. The outpatient hospital copay is $300 and Urgent Care and ER copays are $40, and $90. Lab services and outpatient x-rays are covered with $5-$15 and $35 copays. 30-day drug Tier 1, 2, and 3 copays are $0, $5, and $37. 90-day Tier 1, 2, and 3 copays are $0, $15, and $111.
Anthem MediBlue Plus (HMO) – $0 per month with $75 deductible and 3,638 available formulary drugs. Primary-care physician copay is $5 and specialist copay is $40. The outpatient hospital copay is $0-$255 and Urgent Care and ER copays are $35, and $90. Lab services and outpatient x-rays are covered with $0-$15 and $50-$120 copays. 30-day drug Tier 1, 2, and 3 copays are $2, $9, and $42. 90-day Tier 1, 2, and 3 copays are $6, $27, and $126.
Individual Health Insurance Rates In Indianapolis (Under Age 65)
Illustrated below are selected monthly rates in Marion County. The most populated zip codes in the Indianapolis area include 46227, 46226, 46237, 46203, 46254, 46224, 46220, 46219, 46260, 46222, 46235, 46201, 46241, 46217, 46218, and 46229.
45-year-old married couple living in Marion County with household income of $32,000
$81 – CareSource Marketplace Bronze
$117 – Ambetter Essential Care 2 HSA
$131 – Ambetter Balanced Care 11
$137 – CareSource Marketplace HSA Eligible Bronze
$138 – CareSource Marketplace Bronze Dental And Vision
$142 – Ambetter Balanced Care 5
60-year-old married couple living in Marion County with household income of $42,000
$183 – CareSource Marketplace Bronze
$250 – Ambetter Essential Care 2 HSA
$276 – Ambetter Balanced Care 11
$288 – CareSource Marketplace HSA Eligible Bronze
$289 – CareSource Marketplace Bronze Dental And Vision
$298 – Ambetter Balanced Care 5
Persons that are uninsurable no longer have to apply through the State “High Risk” pool. This was a program available for persons that had been previously denied when applying for a policy. Typically, applicants had multiple medical problems that prevented them from being approved on an application. However, the creation of state and federal Marketplace Exchanges eliminated that need.
What Is Healthy Indiana Plan (HIP 2.0)?
If you are between the ages of 19 and 64 and classified as “low income,” you may be eligible for this new program. If you are single with an income under $16,500, a couple with household income under $22,300, or a family (four persons) with household income under $33,900, HIP 2.0 should be considered. The Federal Poverty Level guideline that is used is 138%.
Comprehensive medical coverage is provided along with many financial incentives designed to reward you for eating right, exercising, and participating in designated fitness programs. HIP 2.0 will also provide benefits for persons currently enrolled in Hoosier Healthwise, Parents And Caretakers (MAGF), and Family planning services (MA E).
Temporary Plans For Less Than 12 Months
Comparing our free 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.
Short-term 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 included, it’s a great option to quickly get coverage with very little delay. The Obamacare instant tax credit also is not available, since temporary contracts do not contain “essential health benefits.”
We’ll be happy to fax or email you an application or provide an online link that allows you to easily apply. Coverage can be kept for up to 12 months. Basic underwriting is required. Since there is an annual Open Enrollment each year (typically in November), it may be cost-effective to consider an Exchange contract at that time. Monthly pricing is shown below:
$37 – IHC Group $5,000 Deductible, $1 Million Policy Maximum And 50% Coinsurance
$40 – IHC Group $2,500 Deductible, $1 Million Policy Maximum And 50% Coinsurance
$49 – IHC Group $2,500 Deductible, $1 Million Policy Maximum And 20% Coinsurance
$60 – National General $2,500 Deductible, $1 Million Policy Maximum And 20% Coinsurance
$65 – IHC Group $1,000 Deductible, $1 Million Policy Maximum And 20% Coinsurance
40-Year-Old Married Couple (2 Persons)
$79 – IHC Group $5,000 Deductible, $1 Million Policy Maximum And 50% Coinsurance
$92 – IHC Group $2,500 Deductible, $1 Million Policy Maximum And 50% Coinsurance
$117 – IHC Group $2,500 Deductible, $1 Million Policy Maximum And 20% Coinsurance
$146 – National General $5,000 Deductible, $1 Million Policy Maximum And 20% Coinsurance
$166 – IHC Group $1,000 Deductible, $1 Million Policy Maximum And 20% Coinsurance
40-Year-Old Married Couple With Two Children (4 Persons)
$106 – IHC Group $5,000 Deductible, $1 Million Policy Maximum And 50% Coinsurance
$124 – IHC Group $2,500 Deductible, $1 Million Policy Maximum And 50% Coinsurance
$159 – IHC Group $2,500 Deductible, $1 Million Policy Maximum And 20% Coinsurance
$217 – National General $5,000 Deductible, $1 Million Policy Maximum And 20% Coinsurance
$230 – IHC Group $1,000 Deductible, $1 Million Policy Maximum And 20% Coinsurance
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 a great option to consider if you own your own business or work for yourself.
It is a savings account that permits you to buy current medical, vision and dental expenses and save ahead for future expenses on a tax-free basis. A “High Deductible Health Plan” (HDHP) is required to take advantage of an HSA. Anthem and UnitedHealthcare previously offered very attractive HSA rates. Currently, the two available HSA plans in Marion County are listed below:
CareSource HSA Bronze – $4,000 deductible with 50% coinsurance, and maximum out-of-pocket expenses of $6,550.
Ambetter Essential Care 2 HSA – $6,550 deductible with 0% coinsurance, and maximum out-of-pocket expenses of $6,550.
Note: The inclusion of dental and vision benefits is optional. However, you can pay for treatment with pre-tax dollars when your account is created. If you reach age 65 and funds remain, you may continue to utilize the money.
Indianapolis has many low-cost health insurance options for both adults and children. If you are not presently covered, or believe your existing premium is too high, we’ll compare the best prices for you. Also, if you already have existing coverage, it is always a good idea to review alternative plans each year, since your acceptance is guaranteed during Open Enrollment.