Compare individual and family health plans from top insurance companies at the lowest available cost.
Indiana health insurance plans
Compare individual and family health plans from top insurance companies at the lowest available cost.
Need health insurance in Indiana? eHealth makes shopping easy.
Navigating Indiana health insurance plans
Finding the right health insurance plan in Indiana can be overwhelming. Whether you’re an individual looking for comprehensive coverage or a family seeking a plan to fit everyone’s needs, it’s important to consider factors such as:
Coverage needs
Evaluate what types of medical services you or your family use most frequently. Do you need regular doctor visits, specialist care, or prescription medications?
Budget
Look at both premiums and out-of-pocket costs. Sometimes a plan with a higher premium may save you money overall if you frequently use healthcare services.
Provider network
Ensure your preferred doctors and hospitals are included in the plan’s network to avoid higher out-of-network costs.
Additional benefits
Some plans offer extra perks, like wellness programs, telemedicine, or mental health services, which could be valuable to you or your family’s overall health.
Find health insurance plans for every stage of life
Health insurance
Health insurance exists to protect you from substantial medical costs. Each plan is an agreement between you and the health insurance company about the services they will cover, how much you will pay, and how much they will pay.
Can cover everything from routine cleanings and fillings to more comprehensive procedures, usually at a low premium. May cover annual eye exams and/or reduce the cost of contact lenses or glasses.
When you buy an insurance policy, you will pay a premium payment monthly or annually. In exchange for that premium, your insurance provider agrees to cover a portion of your healthcare bills as outlined in your plan policy. You are still responsible for some costs, like deductibles and copays. Here are descriptions of those costs and what you should expect.
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Frequently asked questions
Indiana does not have a state-specific law requiring residents have health insurance and there is no longer a federal insurance mandate. That being said, health insurance can help you avoid excessive medical costs.
Residents can purchase health insurance from the federal exchange or a private insurer during open enrollment. If you’ve missed open enrollment, Indiana residents can purchase a short-term plan or they may qualify for a special enrollment period that would allow them to enroll in a standard plan.
Indiana residents can expect to pay an average of $423.40 per person for an individual health insurance plan. This is the average monthly premium price of a plan available from eHealth in Indiana, but actual prices available depend on zip code, age, gender, plan metal level, and other factors. Get a personalized quote to see what may be available for you.
Indiana is one of 38 states that uses the federally facilitated health exchange, so residents enroll in Indiana medical insurance through the website, HealthCare.gov. If you want to research your Indiana health insurance options, select a plan, and apply for coverage, you typically need to create an account on HealthCare.gov or use eHealth’s plan comparison tool.
The open enrollment period in Indiana runs from November 1 to January 15. During this time, Indiana residents can sign up for a new ACA health insurance plan or update their existing coverage. Outside of the federal open enrollment period, you may qualify for a special enrollment period, if you have experienced a qualifying life event like losing your job or getting married.
The Healthy Indiana Plan is designed for adults under the age of 65 who can’t afford health insurance in Indiana and aren’t eligible for Medicare or Medicaid. To qualify for this insurance, your income must be less than 138% of the federal poverty level.
There are several private health insurance providers in the state of Indiana, including Aetna, Ambetter, Anthem, CareSource, Cigna, and United Healthcare.
Yes, you can have short-term private health insurance in Indiana. However, there are rules. For instance, you can’t have short-term health insurance for more than six months. Instead, this option is best suited for individuals who are between jobs or waiting for their employer’s health insurance benefit to start.
Short-term health insurance in Indiana can also not be renewed like regular health insurance. While this option is affordable, it only covers emergency care, so these plans are not ideal for individuals who visit the doctor frequently or need ongoing care.
Private health insurance in Indiana is a better value for your money than short-term insurance. However, short-term health insurance can be a good option if you know you’ll be eligible for an employer-sponsored health plan within six months.
Indiana health insurance is considered expensive because there’s a shortage of providers, which can drive up the costs for everything from routine to specialty care. Most individuals in the state can expect to pay around $400 or more for health insurance coverage, but how much you’ll pay depends on various factors like the metal tier and plan you choose.
Shopping for Indiana health insurance plans can seem intimidating, especially if you don’t know where to start. We suggest using eHealth’s online platform to help you browse available plans in your area and compare them to find the best option based on your budget and health needs.
You can find affordable health insurance in Indiana by filtering your results by price, but keep in mind that the lower your monthly premium, the less coverage you’ll have.
First, we recommend choosing a metal tier. The bronze tier offers the lowest monthly premiums but the highest deductibles and is best suited for individuals who have minimum health care needs. On the other end of the spectrum, platinum plans have the highest monthly premiums, but more of your care is covered, making them a better choice for individuals with high health care needs.
You can also base your decisions on your preferred provider by checking to see which doctors and facilities are in-network. Having a doctor in-network can keep your copay costs much lower. When you browse healthcare plans, you can check to see if your primary provider is in network for your plan and find out if there’s partial coverage for out-of-network doctors.
If you take medication, you can also find out if a plan covers generic or brand-name drugs. Each plan gives you a covered drug list, also called a drug formulary, and explains how they’re covered.
You may also want to keep in mind the health situations you can’t predict. For instance, while you might not visit the doctor much now, you can’t always predict what will happen a week from today. You can determine your worst-case scenario by adding the premiums and maximum out-of-pocket costs for each plan. This tells you how much you pay for a specific health plan if you need to use it entirely.
Finally, even if you don’t qualify for Medicaid based on income, you may still qualify for a subsidy.
You can see if you qualify for subsidies using the federal marketplace Healthcare.gov and starting an application.
Determining eligibility for Medicaid in Indiana depends on various factors such as income, household size, age, disability status, and immigration status. Generally, Medicaid eligibility is based on income level, with coverage available for low-income individuals, families, pregnant women, children, seniors, and individuals with disabilities. Indiana expanded Medicaid under the Affordable Care Act (ACA), extending coverage to more low-income adults. To find out if you qualify for Medicaid in Indiana or to apply for coverage, visit the official Indiana Medicaid website or contact your local Medicaid office for assistance.
Whether you can keep your current health insurance plan when moving to Indiana depends on several factors, including the type of plan you have and the specific insurance provider. If you have a health insurance plan through an employer, you may be able to retain coverage if your employer offers a nationwide network or has operations in Indiana. However, if you have an individual or family plan, you may need to switch to a new plan offered by an insurer operating in Indiana. It’s essential to review your current plan’s terms and coverage area and explore options available in Indiana to ensure uninterrupted healthcare coverage.
Pre-existing conditions are generally covered under Indiana health insurance plans, thanks to federal regulations implemented through the Affordable Care Act (ACA). Insurance companies are prohibited from denying coverage or charging higher premiums based on pre-existing conditions. This ensures that individuals with chronic illnesses or prior health issues can access comprehensive health insurance coverage without facing discrimination. Additionally, Indiana state law provides additional protections for individuals with pre-existing conditions, ensuring they have access to essential healthcare services and treatments.
The Indiana Department of Insurance plays a critical role in regulating health insurance within the state, overseeing insurance companies, agents, and brokers to ensure compliance with state laws and regulations. The department is responsible for reviewing and approving insurance rates, policies, and forms to protect consumers and promote fair and competitive insurance markets. Additionally, the Indiana Department of Insurance provides consumer assistance, licensing for insurance professionals, and enforcement of insurance laws to safeguard the interests of policyholders and promote transparency and accountability within the insurance industry.
