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Inexpensive healthcare coverage in Indiana provides quality medical coverage at prices that will fit within your budget. We shop and compare hundreds of insurance policies for single persons, families and large and small businesses. Just because your premium is cheap, doesn't mean you have to skimp on benefits. Whether it's inside or outside the Exchange Marketplace, we show you the most affordable coverage.

Listed below are five of the least expensive Indiana health insurance options that you can easily purchase online through our website. It is important to note that not all policies are available in every county. Federal subsidies are available to help reduce premiums, although you can also choose to enroll outside of the Obamacare Marketplace.

 

Ambetter Balanced Care 11 - Office visit copays for primary-care physicians and specialists are $30 and $60. A deductible and coinsurance do not apply and there is no limit on the number of covered visits. The policy deductible is $6,000 with maximum out-of-pocket expenses of $7,900. Lab outpatient and professional services (blood tests and x-rays) only have to meet a $30 copay and are not subject to the deductible. The generic drug copays are $20 and $60 (mail order). The preferred brand drug copays are $50 and $150 (mail order).

Ambetter health insurance rates in Indiana continue to be very attractive. The provider network also extends outside the Hoosier State.

 Find the cheapest health insurance rates in Indiana. Need inexpensive medical coverage? Compare now.

CareSource Marketplace Bronze -  One of the least expensive health insurance plans in Indiana that is offered in most areas of the state. The primary care physician office visit copay is $35 with no limit on the number of times utilized throughout the year. Specialist visits, however, are subject to the deductible and coinsurance. Generic drugs have a $30 copay while mail-order will reduce your costs, especially when generic options are chosen. The mail-order copay is $75.

The deductible is $7,400, which is common with Bronze-tier options. Urgent-Care visits are also subject to coinsurance and a deductible, although mental/behavioral and substance abuse outpatient services must only meet a $35 copay. Prenatal and postnatal visits are covered. The CareSource provider network provides Hoosier residents with a large choice of doctors, specialists, and hospitals.

 

CareSource Marketplace HSA Eligible Bronze - HSA-eligible option with $5,200 deductible and $6,650 maximum out-of-pocket expenses. The coinsurance is 50%. A Health Savings Account is ideal for healthy households with no major medical conditions. Contributions do not have to be made to the savings portion to keep the policy active. Accumulated funds can also help pay for dental and vision costs, and some Medicare-related expenses.

 

Ambetter Essential Care 2 HSA - HSA-eligible option with $6,550 deductible and $6,550 maximum out-of-pocket expenses and 0% coinsurance. A Health Savings Account is ideal for healthy households with no major medical conditions. Similar to prior plan, but slightly less expensive.

 

Ambetter Balanced Care 5 - Office visit copays for primary-care physicians and specialists are $40 and $80. A deductible and coinsurance do not apply and there is no limit on the number of covered visits. The policy deductible is $7,350 with maximum out-of-pocket expenses of $7,350. Lab outpatient and professional services (blood tests and x-rays) are covered at 100% after the deductible has been met. The generic drug copays are $20 and $60 (mail order). The preferred brand drug copays are $60 and $180 (mail order). Non-preferred brand and speciality drugs are subject to the policy deductible.

 

UnitedHealthOne Short-Term Medical Value Select - The least expensive type of coverage available. Since this plan is designed to be kept less than 12 months, the rate is much lower compared to other unsubsidized options. However, temporary policies are not eligible for subsidies, and usually do not cover pre-existing conditions. This specific plan is a catastrophic major-medical contract that provides up to $2 million of benefits. A prescription drug discount card is provided, with an optional supplemental accident rider offered ($1,000- $12,500).

You can choose many deductible options, ranging from $1,000 to $12,500. Per-cause and per-term choices are also offered. Maximum out-of-pocket expense options are $5,000 and $10,000 with 30% and 40% coinsurance options. Golden Rule, a subsidiary of UnitedHealthcare, underwrites the plan. Although there are only a few medical questions, and approval can take less than 24 hours, applicants can be declined if they have been treated for cancer, heart disease, diabetes, or several other conditions.

The cheapest healthinsurance plans in Indiana are at indianainsurancehealth.com. Apply for low cost policies from the best insurers in the state.


Although these six plans are worth considering, there are dozens of other options that may be a better choice, depending on your budget and medical history. We are always available to help you find the most affordable health insurance in Indiana. Both on and off-Marketplace plans are available.