Find affordable Indiana Health Insurance Marketplace and Exchange rates for individuals, families and the self-employed. We provide the lowest online prices for subsidized Obamacare policies and unsubsidized plans for your medical coverage. Instantly compare free 2022 online quotes from multiple companies for the entire Hoosier State. Anthem, US Health And Life (Ascension), Ambetter and Caresource offer private plans, while UnitedHealthcare, National General, and other carriers offer unsubsidized coverage, including short-term options.

You can also review Senior Indiana Medicare Supplement plans and other Medigap options. If you have reached age 65, many policies are available to help pay out-of-pocket expenses that original Medicare benefits (Parts A and B) do not cover. Part D prescription drug plans (PDPS) are also offered by many companies along with several Advantage (MA) contracts. Consumers have many rights and protections, along with 10 standardized plans to choose from, and retirees can review customized options.

Recent changes impact availability of some plans. A high-deductible (HD) plan G is available with a $2,490 deductible. Plan F (HD) continues to be offered for existing customers. Once the deductible is met, the plan provides identical benefits as Plan G. Several Plan B benefits include Part B excess charges, Part B coinsurance payment, and Part A coinsurance and hospital costs (up to 365 days after Medicare benefits are used).

Regardless if you own your own business, you’re buying a policy for the first time, or simply can not afford your existing plan, you can compare multiple PPO, EPO, and HMO policies with the best prices on our website. Easily and quickly obtain the information you are looking for, apply, and enroll for benefits and get covered. We show you the amount of federal subsidy you are eligible for, and which plans you should choose. You can also select policies that are not subsidized by the federal government.

Comprehensive office visit copay, low-deductible, and inexpensive catastrophic plans are offered, and CareSource offers plan options in 92 counties for applicants under age 65. Qualification for an ACA subsidy can reduce policy deductibles below $1,000 and office visit copays as low as $5. Monthly payments can also reduce to $0. Silver-tier plans utilize cost-sharing to reduce out-of-pocket expenses.

After Open Enrollment for Obamacare ends in Indiana, you can still purchase affordable health insurance coverage. During the Open Enrollment period, federal tax subsidies are available to individuals, families and small businesses to help pay the premium. For private plans, household income guidelines must be met to receive financial help.

But if you missed the deadline, simply forgot about it, or decided that rates were too high, Indiana medical plans can be bought at surprisingly low prices, depending on a variety of factors. Many of these policies will provide ideal “gap” coverage until you are eligible for the next period. However, if you obtain alternative benefits through an employer, or simply can not afford a policy, you can immediately cancel the plan.

Cheap Temporary Gap Coverage

Just as it sounds, this type of plan doesn’t cost much, and is designed to be kept only 1-12 months. But that may be just enough time for you to obtain medical benefits until the next Open Enrollment, which typically begins in November. For 2020 effective dates, the OE period began on November 1st. We do not recommend a short-term policy as a long-term solution to not having qualified ACA benefits. But if bridging a gap is your goal, it’s a viable solution, despite not meeting some of the Obamacare mandate requirements.

Short-term often are the best possible solution until the following year, when new Administration plans may be partially available. Although HSA-deposits are not allowed (plans are not considered HDHP), several higher-deductible options are offered.

Short-term plans do not provide “unlimited” benefits for as long as you have the policy. Usually, the maximum payout is between $250,000 and $2 million, which still should be enough for the limited amount of time you will keep the plan. Preventive benefits, unlike regular Marketplace policies, are not covered at 100% prior to the deductible, and often are not provided at all. Primary-care physician visits, prescriptions, and Urgent-Care visits are generally subject to a deductible, although a rider can often be added to remove the deductible.

Note: Many contracts provide a $50 copay for Urgent-Care visits. Telemed video consultations are also offered with many temporary plans. In 2020, most carriers allowed COVID-19-related telemed visits to be covered with no out-of-pocket costs. Marketplace companies extended the free coverage to diagnosis and treatment.

Typical inpatient and outpatient expenses are covered fairly comprehensively, but a deductible and coinsurance will apply. Although accidents and illnesses are also covered, immunizations and, as mentioned above, physicals, are not included in benefits. Specialist visits are also covered, but subject to a deductible. You can find more information here including plan specifics and how to apply. A policy can be easily approved in less than 24 hours if there are no existing conditions or other underwriting concerns. Generally, maintenance medications (high blood pressure or high cholesterol) do not cause a denial of coverage.

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 (Group and Senior), UnitedHealthcare (Temporary and Senior)), Ambetter, and CareSource are provided so you can quickly consider your Marketplace, Senior, and non-subsidized options. Inexpensive short-term plans are also available if coverage is needed for less than 12 months.

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 IU Health Plans, MDwise, PHP, 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, and new non-Obamacare plans frequently become available. Currently, the only states that offer less than three Marketplace companies are Indiana, Alabama, Alaska, Connecticut, Delaware, DC, Hawaii, Iowa, Kentucky, Maryland, Mississippi, Nebraska, Rhode Island, South Dakota, Vermont, West Virginia, and Wyoming.

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 24/7. We are live persons! Complete plan descriptions and historical rates are easily provided, along with a simplified enrollment process. While a low premium is the goal of all consumers, low out-of-pocket expenses are equally important.

Senior Medicare Supplement, Advantage, and Plan D prescription drug plans are offered in all counties. Prices, benefits, and out-of-pocket expenses (including copays and deductibles) can vary. When policies renew, rates and coverage may also change, although prior notification will be given. Applicants that are under age 65 can easily transition to Senior product coverage. It’s also common that one spouse will be Medicare-eligible while the other spouse is covered under a Marketplace plan.

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.

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.If you are eligible for Medicaid or Medicare, specific options are available.