Find affordable Indiana Health Insurance Marketplace rates for individuals, families and the self-employed. Review the lowest prices for subsidized Obamacare policies and off-Exchange plans for your medical needs. Non-Obamacare options are also available that offer options utilizing the Aetna or UnitedHealthcare PPO networks. Senior Medicare coverage is also widely available, including Supplement, Advantage (MA) and Part D prescription drug plans (PDP). Medigap plans have a different enrollment period than under-65 plans.

Instantly compare free 2022 online quotes from multiple companies for the entire Hoosier State. Ambetter, Anthem Blue Cross, US Health And Life, and Caresource offer private plans, while UnitedHealthcare, National General, and other carriers offer unsubsidized coverage. Dental and vision benefits can also be purchased at very inexpensive rates. Qualified preventative benefits (routine annual physicals, mammograms, and colonoscopies) are fully covered on all Exchange plans with no out-of-pocket expenses.

For 2022, Anthem has substantially increased its county coverage area from 3 counties to 45 counties. Ambetter and CareSource offer statewide coverage while US Health And Life (new for 2022) provides plans in 30 counties. Proposed rate changes for this year are Ambetter (3.5% decrease), CareSource (.1% decrease), and Anthem (2.8% increase). US Health And Life is new to the Hoosier State Exchange.

The least expensive Marketplace plans offered are CareSource Marketplace Bronze, CareSource Marketplace HSA-Eligible Bronze, CareSource Marketplace Low Premium Silver, CareSource Marketplace Standard Silver, Ambetter Essential Care 1, Ambetter Essential Care 2 (HSA), and Ambetter Balanced Care 29. Office visits (pcp and specialist), prescription drugs, and Urgent Care visits are often available with only a copay. Free health insurance in Indiana is available when the federal subsidy is higher than the policy premium.

Anthem offers  “Enhanced Choice” short-term plans that offer six deductible options. Referrals are not required for specialist visits, and qualified preventative benefits are included with no out-of-pocket costs. Temporary coverage often provides benefits that are substantially less expensive than Hoosier Marketplace plans. Subsidies are not offered, but plans are available throughout the entire year.


65 And Over Medical Coverage In Indiana

You can also review 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 plans are also offered by many companies with deductibles ranging from $0 to $480. The least-expensive plans are SilverScript SmartRx, Wellcare Value Script, Wellcare Classic, Clear Spring Health Premier Rx, Clear Spring Health Value Rx, and Humana Walmart Value Rx Plan.

Several available Senior Advantage plans offer $0 premiums and include prescription drug benefits. These plans include: AARP Medicare Advantage, AARP Medicare Advantage Choice Plan 2, Aetna Medicare Prime, Aetna Medicare Value, Anthem MediBlue Access, Anthem MediBlue Plus, Human Gold pLus, HumanaChoice, IU Health Plans Medicare Select Plus, MDWise Medicare Inspire, My TruAdvantage Select, Wellcare Giveback, Wellcare No Premium, Wellcare No Premium Open, Zing Choice In, Zing Essential Wellness In, and Zing Signature Care.

Consumers have many rights and protections, along with 10 standardized plans to choose from, and retirees can review customized options. There is no medical underwriting for Medigap plans during designated OE periods. Coverage can be customized to meet individual medical needs and budgets, and most carriers have large provider networks.

Recent changes impact availability of some plans. A high-deductible (HD) plan G is available with a $2,340 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). Up to 100 days of  nursing home care is typically provided with a low out-of-pocket cost. Memory care, assisted living, and additional non-medical care items are also provided.

Rates for these types of plans are less than the other available options.  Senior plans purchased by newly-eligible applicants do not cover the Part D deductible. Thus, Plans C and F are not offered to persons that just qualified for Medicare. It is possible that one spouse will be Medicare-eligible while the other spouse is covered under a private plan. It’s important to understand when you can purchase a Medigap plan without restriction.

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. Urgent Care, ER, and prescription drug copays are reduced.

Hoosier Medicaid benefits may be available to lower-income individuals and individuals. If you meet specific income requirements, are disabled, or are being treated for a chronic health condition, several state and federal programs may be offered. Vision, hearing, and dental benefits may also be available. HIP provides benefits for qualified adults, and incentives for staying healthy. Anthem BCBS, CareSource, MDwise, and Managed Health Services are participating carriers.

How Obamacare, New Legislation, And Other Changes Impact You

There have been many changes in the last six years, including the passage of the Patient Protection And Affordable Care Act (ACA) along with the establishment of the Indiana Health Exchange and Marketplaces. Federal subsidies can substantially reduce your rate if you qualify. Medicaid eligibility is also available for lower-income households. Medicare continues to be offered to persons that reach age 65, with many Medigap options offered in most areas. Standardized plans help consumers compare benefits and prices.

Pre-existing conditions are covered when you apply for coverage. They are included without additional premiums, waiting periods or higher deductibles. 2021 Open Enrollment provides a window of opportunity to buy quality, yet inexpensive coverage. Enrollment time has been reduced to about 25 minutes. The Administration’s proposed changes to the US healthcare system could be implemented within the next several years. HSA plans may have additional features, and more carriers are expected to offer private coverage. The tax-deduction of qualified medical, dental, and vision expenses will continue.

Indiana Short-Term Health Insurance

Short-term coverage has been expanded to provide guaranteed benefits up to 12 months, although existing conditions (and subsequent treatment) are not covered. However, temporary plans offer low premiums, quick underwriting approval, and flexible deductible options. Policies can be cancelled at any time without a penalty or additional obligation. Office visit, prescription drug, Urgent Care, ER, and hospitalization benefits are offered on temporary plans with $2 million of benefits. Additional dental, vision, and accidental injury riders are also offered.

Plans can be quickly approved, and there is no obligation to keep them in-force. Maternity and pre-existing conditions will continue to be limited or excluded (temporary contracts). Considered ideal stopgap coverage, they often provide an acceptable solution when the Open Enrollment deadline is missed (see below). UnitedHealthcare, one of the nation’s largest carriers, offers many low-cost options. Anthem Blue Cross offers a temporary plan that covers pre-existing conditions and also has seven deductible options.

Several carriers offer indemnity options which allow covered persons to receive treatment at a provider of their choice. In addition to UnitedHealthcare and Anthem, other carriers that offer temporary plans include United Security Health and Casualty, National General, Independence American, Companion Life, and American Financial Security Life.

Missed Open Enrollment?

Don’t fret or be sad! If you missed the deadline, procrastinated too long, or simply forgot to enroll, there are plans that you can still purchase, and perhaps with federal financial aid if you qualify for a “qualified life event.” (QLE). For example, losing your prior qualified coverage, getting married, divorce, adopting a child, pregnancy, or changing residences in a new service area, are approved exceptions. No medical questions will be asked and there will be no waiting periods for covered benefits.

If you don’t qualify for an exemption, you can apply for stopgap temporary policies (see above), that are very budget-friendly. Benefits can be kept for up to 12 months, and policies are often approved within 24 hours. A monthly premium is generally required to initiate the policy. House Bill 1631 limits the duration of temporary plans to 360 days and required benefits include lab services, ER, hospitalization, and outpatient ambulatory care.

These customized plans can be paid monthly, and canceled by the customer at any time. Typically, written proof is required to qualify for an SEP exception. Federal subsidies are also offered if your household income meets designated guidelines. You may also choose a non-Obamacare plan with lower premiums. However, 60 days after the “event,” an off-Exchange plan will have to be chosen.

When you become eligible for Medicare, a Medigap plan will be available (see below). Part D plans can cover your prescription drugs with several available copays and deductibles. Most Advantage plans include prescription benefits and addition coverage, including hearing, vision, and dental. Over-the-counter medications, meal benefits, adult day-care services, home safety devices, telehealth services, and fitness perks.

Whether you live in Indianapolis, Richmond, Fort Wayne, Evansville, South Bend, Rushville, Carmel, Gary, or any part of the state, we review the most popular medical options offered by the major companies. We will calculate your Obamacare federal subsidy, and explain how you can reduce your premiums with the help of new legislation. With the expansion of Medicaid, more persons are now eligible for free benefits. Hoosier Healthwise, Hoosier Care Connect, M.E.D. Works, and Healthy Indiana Plan (HIP) are several programs that help low-income households.


Indiana Senior Medicare Coverage

Applicants that have reached age 65, and are covered through Medicare, can compare Medigap plans from many of the largest insurers. Expenses, including copays, coinsurance, and deductibles, can be covered with a supplemental policy. Advantage contracts (Part C) often provide low premiums, and Part D prescription drug plans can be reviewed. Under-65 Exchange plans should not be considered by Seniors. It is possible to receive Social Security benefits without purchasing a Medigap plan.

Available Part D plans include SilverScript SmartRx, SilverScript Plus, Elixir RxPlus, Elixir RxSecure, Clear Spring Health Premier Rx, Clear Spring Health Value Rx, WellCare Wellness Rx, WellCare Value Script,  WellCare Medicare Rx Select, WellCare Classic, WellCare Medicare Rx Saver, WellCare Medicare Rx Value Plus, Humana Walmart Value Rx, Humana Basic Rx Plan, Humana Premier Rx Plan, Express Scripts Medicare Saver, Express Scripts Medicare Value, Express Scripts Medicare Choice, Mutual Of Omaha Rx Premier, Mutual Of Omaha Rx Plus, Cigna Secure-Essential Rx, Cigna Secure Rx, Cigna Secure-Extra Rx, Anthem MediBlue Rx Enhanced, Anthem MediBlue Rx Standard, Anthem MediBlue Rx Plus, SilverScript Choice, AARP MedicareRx Saver Plus, AARP MedicareRx Walgreens, and AARP Medicare Rx Preferred.

Deductibles, copays, and formulary lists will vary, depending upon the plan. Standardized Supplement options are available (A through J), including a high-deductible Plan G with a $2,300 deductible. Coverage can also be offered to persons that are disabled, or have not yet reached age 65. Plans F, G, and N are also very popular choices. The three types of ratings for premium calculation are issued age, attained age, and no age rating. The DOI must approve all proposed carrier rates. Increases or decreases to premiums must also be disclosed.

Medicare Supplement plans are widely available. Participating carriers include AARP (UnitedHealthcare), Aetna, Americo, Cigna, Colonial Penn, Companion Life, Everence, Everest, Great Southern Life, Greek Catholic Union, Humana, Lumico Life, Medico, Oxford Life, Philadelphia American, Union Security, and Western United Life. 2021 monthly rates for a non-smoking 65-year-old female residing in Indianapolis (Marion County) are shown below:

Plan A – $71  (AARP-UnitedHealthcare), $78 (Accendo), and Cigna $87)

Plan B – $107 (Aetna). $110 (AARP-UnitedHealthcae), and United States Fire ($126)

Plan F (HD) – $29 (United American), $34 (United World Life), and $34 (Great Southern Life)

Plan F – $109 (Accendo), $118 (Great Southern Life), and $124 (Central States)

Plan G (HD) – $29 (United American) $40 (United States Fire), and $45 (Humana)

Plan G – $94 (Accendo), $97 (AARP-UnitedHealthcare), and $98 (United World Life)

Plan N – $70 (Accendo), $71 (Cigna), and $79 (Capitol Life).

Advantage plans (MA) typically offer lower premiums, and may include prescription drug benefits. Wellness, dental, vision, and hearing benefits are often included. Private carriers offer these types of policies, and include Parts A and B. Several companies authorized to underwrite coverage are: Aetna, Allwell, Anthem BCBS, CareSource, Cigna, Health Alliance, Humana, IU Health Plans, Lasso Healthcare, MeridianCare, Simplete, and UnitedHealthcare (AARP). Plans without prescription benefits are also available.

If your Advantage plan is no longer available in your service area, or Medicare terminates or does not renew the contract, you are eligible for a Special Election Period (SEP) to enroll for new coverage. The SEP lasts for three months, beginning two months before you lose coverage, and ending one month after the termination date. Your choices including picking a different plan, changing to original Medicare coverage and choosing a Part D prescription drug plan, and selecting a supplement policy.

Many $0 premium MA plans in Indiana are offered (with prescription drug benefits) including the following: AARP Medicare Advantage Choice PLan 2, AARP Medicare Advantage Plan 1, Aetna Medicare Prime, Aetna Medicare Value, Allwell Medicare Boost, Anthem MediBlue Plus, CareSource Advantage Zero Premium, IU Health Plans Medicare Select Plus, and My TruAdvantage Choice.


Indiana Health Exchange Plans

The companies that are offering Marketplace policies for persons under age 65 (new and renewal) are Ambetter, Anthem, and CareSource. MDwise, IU Health Plans, Humana, Physician’s Health Plan (PHP) and UnitedHealthcare have previously withdrawn because of rising costs. UnitedHealthcare, Aetna, Cigna, and Humana could possibly return by 2022 to offer a limited portfolio. However, additional ancillary products (dental, vision, Medigap, long-term health, life, and disability) are still offered. Temporary medical benefits are also offered by several carriers, and provide inexpensive medical plans that can be approved within 24 hours.

Temporary plans provide benefits for up to 12-24 months, with policies approved within 24-36 hours. Rates are low, but maximum coverage is typically limited to $2 million or less. Coinsurance and copays are also generally higher. Office visits, prescriptions and preventative benefits can be added. Urgent Care copays are often included. Online medical visits subject to low copays are also offered. These types of contracts are popular for applicants that have missed the Open Enrollment deadline, or have no existing medical conditions and do not qualify for a subsidy.

More than 50 options are available through Platinum, Gold, Silver, Bronze and Catastrophic “Metal” plans. US Health And Life offers compliant small group metal plans. Anthem BC, in addition to providing Marketplace plans in selected counties, also offers small business, and other related plans. The least expensive plan options are CareSource Marketplace Bronze, CareSource Marketplace HSA Eligible Bronze, Ambetter Essential Care 2 HSA, Ambetter Essential Care 1, Ambetter Balanced Care 11, Ambetter Balanced Care 5, Ambetter Balanced Care 12, and CareSource Marketplace Low Premium Silver. Based on your budget and medical history, you can customize a policy to maximize your savings, and reduce your out-of-pocket expenses.

If you have existing coverage through a grandfathered plan (policy issued on or before April of 2010), or if you purchased an Exchange contract in previous years, you may retain the policy without losing any benefits. However, if prices have increased or your providers no longer participate in the carrier network, you should compare other available options. If your existing policy is being terminated by your insurer, written notification is always provided, and you are granted 60 days to choose an alternative policy. No medical underwriting is required, and pre-existing conditions are covered. However, you may be required to choose new physicians and other medical facilities.

Healthy Indiana Plan (HIP) provides benefits for qualified adults in low-income households. Applicants must be between 19-64, reside in the state, and not be disabled. Dental and vision coverage is also offered if you are between the ages of 19 and 64. Maximum annual income requirements must be met, which are approximately $17,000 for individuals, $23,000 for a couple, and $36,000 for a family of four. The program is designed to create financial independence for all members. An HIP Workforce Bridge program is also available for members that return to the workforce, group coverage, or other benefits.

A Personal Wellness and Responsibility (POWER) account is created to pay the first $2,500 of medical expenses. Most of the expenses are paid by the Hoosier State, and each covered individual pays a small premium, which is based on his/her income. HIP Plus and HIP Basic are available. Unused funds can roll over to the following year, resulting in a lower required contribution amount. Completing required preventative services can result in additional savings. Your own contributions can be returned f they are not spent on medical expenses.

HIP Plus is more costly, but provides comprehensive benefits including chiropractic services along with dental and vision coverage. The POWER account contribution is based on income. Most services have a $0 copay. HIP Basic provides required essential health benefits with copays for office visits, prescriptions, and other services. However, the in-hospital copay is only $75.


Shopping Online Made Easy

Our personal and professional advice helps you compare the most popular and reputable highly-rated companies so you can simply choose the best options. High-Deductible, copay, short-term, and HSA coverage are just a few of the choices provided, so you are presented with the best possible solutions. Owners of businesses can easily review personalized proposals based on their unique budget and medical conditions. Self-employed health insurance in Indiana is not expensive. Students, unemployed persons, seasonal workers, and business owners can obtain medical benefits that specifically meet their needs.

Shopping for new coverage can be a hassle, so part of our job is to make the process simple and easy for you. The Marketplace/Exchange concept of enrolling can be quite challenging, considering the complexity of plans along with the impact your household income now has on what you pay. All policies are approved by the Indiana Department of Insurance, with comprehensive descriptions of benefits always available. Prescription drug coverage is typically provided in different tiers. For example, Tier 1 usually includes generic drugs, while Tier 2 often includes preferred brand name drugs. Tier 3 and Tier 4 drugs typically have the highest copays and coinsurance.

Our three decades of experience and expertise will help you every step of the process. You don’t have to worry about trying to enroll without the proper guidance. Whether by phone, email or any other method, we can reduce the amount of time it takes you to enroll in half, and ensure you’re applying for the right policy. If Medicaid or Medicare expands, we’ll review the impact it has on your benefits and budget.

If you’re currently on COBRA, additional policies can be offered. You no longer are required to remain on COBRA for 18 months because of the “Special Enrollment Period” exemption. The SEP allows you to qualify for guaranteed coverage that is eligible for subsidies, regardless of the time of the year. This assumes you have lost qualified benefits (from an employer, for example) within the last 60 days. Not all family members are required to select the same plan.

Also, If dental, vision, or life benefits are needed, we can help. You have a budget to meet and we will show you the options that fit best. At your request, we can handle the entire buying direct process from the initial quote to the delivery of the contract. You don’t have to see anybody in person or complete any long forms. Free servicing and updates continue throughout the year, and updates are always available on

Additional ancillary products (long-term care, disability, life, final expense, and critical-illness) are also provided. Property and casualty products (auto, home, boat, motorcycle) are offered by many insurers, including several payroll-deduction options.

The “SHOP” (Small Business Health Options) Marketplace provides free online quotes and customization of plans with low-cost options for employers with less than 50 employees. A tax credit may also be available. Shown below are the lowest available monthly rates for selected ages and metal tiers. Note: These prices are employer costs.


Ages 0-20 – $158.72

Age 21 – $249.95

Age 30 – $283.69

Age 40 – $319.44

Age 50 – $446.41

Age 60 – $678.36


Ages 0-20 – $183.13

Age 21 – $288.39

Age 30 – $327.32

Age 40 – $368.56

Age 50 – $515.06

Age 60 – $782,69


Ages 0-20 – $206.40

Age 21 – $325.04

Age 30 – $368.92

Age 40 – $415.40

Age 50 – $580.52

Age 60 – $882.16


Your Application

A submitted application can be approved within a few days and your coverage can be effective just as quickly. If you need immediate coverage, temporary policies can go into effect the next day, and you’ll be assigned a policy number. During Open Enrollment periods, there are some restrictions regarding effective dates of policies. For example, when you request a January 1st effective date, the deadline for completing the short application is December 15th.

Often, the type of benefits you need is completely different than someone else. For example, a college student may be more concerned with specific policy options than someone getting ready to retire. Also, pre-existing conditions are typically covered, so it’s critical for you to purchase the right type of policy with your potential out-of-pocket medical costs and budget helping determine the most appropriate plan.

Copays on diagnostic tests and x-rays can be just as important as the copay on office visits or Urgent Care visits. Typically, they are $0-$25, depending on the carrier. MRIs and CT Scans have higher copays because of their cost compared to most lab tests and x-rays.

Our experience can help you make the right choice. Since rates and plan design can change, it’s always a good idea to review your policy each year. Also, if your income changes, it could impact the amount of subsidy you receive. Each year, we will re-calculate your federal subsidy and determine the best Marketplace options for you. The Senior Indiana Department of Health (part of the DOI) provides additional resources, including reform, long term care, compliance, tobacco prevention and cessation, and the Healthy Hoosiers Foundation. But residents that have reached age 65 are provided additional services.


Free Quotes

You can “Get Free Quotes” at the top of the page, and compare direct or apply online for the best available plans. Prices and any approved benefit changes are updated daily. Typically, the most competitive plans are offered by National General, UnitedHealthcare (short-term only), Ambetter, and CareSource. Anthem Blue Cross offers Group and Senior products.

Aetna and Medical Mutual no longer offer private coverage in the state. Unicare also ceased writing business. Assurant exited the individual market. Many carriers offer “outside-Exchange” options which may be very attractive to households with higher incomes that don’t qualify for instant tax credits. These policies still contain the mandatory 10 essential health benefits. Note: UnitedHealthcare and Aetna offer group plans through employers, but not private individual or family coverage.

We realize that comparing copays, coinsurance, deductibles and coverage from several companies is not easy or fun. At any time, please feel free to contact us (the “contact us” link is at the top of the page) or call us. We handle all shopping, comparing and researching for you. Affordable Indiana health insurance coverage is just a click away.