View and compare health insurance rates in Indiana from the top-rated companies. We provide free information, the lowest rates, and side by side, easy-to-understand comparisons of all major companies which include Anthem Blue Cross, UnitedHealthcare, Humana, Ambetter, Aetna, CareSource, National General, and IHC Group.
As your one-stop resource for research, shopping, and Marketplace enrollment, we guide you through the process of finding the medical plan that provides the benefits you want, but also at the price that is within your budget. Comprehensive, catastrophic, short-term, HSA, student, pre-Medicare, and all types of coverage are available. A wide selection of small-business plans are offered to the self-employed.
Medicare Supplement and Advantage plans provide attractive options for Seniors that would like to pay for many of the out-of-pocket expenses that original Medicare does not cover. Medigap policies are available in all counties from multiple companies. Coverage is also provided for prescription drugs, either through a Part D plan, or an Advantage contract.
Several carriers that offer Advantage coverage in the Hoosier State include Aetna, Anthem, CareSource, Cigna HealthSpring, Allwell, MeridianCare, Health Alliance, Humana, IU Health Plans, and AARP-UnitedHealthcare. These types of plans often offer prescription drug, dental, vision, and eyewear benefits.
Instant Hoosier Company Comparisons
Our direct link allows you to instantly see all available options in your area, determine how much your federal subsidy reduces your premium, and if you want, enroll online quickly and easily for 2021 on or off Marketplace benefits. You can also contact us to help review which plans may be the best choice. Simply request our free online quote at the top of the page, or contact us directly. You may cancel coverage at any time, although you may not be able to immediately re-enroll, depending on the type of policy and other factors.
We will also help you choose the correct carrier, which of course, will be different for each situation. For example, if you do not qualify for a federal subsidy through the State Exchange, perhaps a “Bronze” plan may be the most cost-effective. Also, cheaper policy alternatives that are provided “outside” of the Exchange may be priced much for favorably for you. We walk you through the best options so you easily understand which company is the best choice.
Annual Open Enrollment begins in November, and new plans should always be reviewed.However, during pandemics and other emergency situations, OE periods are often extended to help more persons qualify for affordable coverage.
Applying For A Policy
When applying for a policy through our website, there are never any charges or mysterious bills that suddenly appear. During Open Enrollment (OE) periods, you are not asked medical questions, and of course, no physical would ever be required. When outside of the OE period, depending on the type of policy you are applying for, some medical information may be needed (unless you qualify for a special enrollment exemption).
Typically, plan availability during this time, is limited, and not all options are offered. However, small-business group plans are available at any time, for newly-hired employees. Non-Obamacare policies are also offered and can provide an extremely cost-effective option for providing quality medical benefits.
NOTE: We are aware that many other companies and agencies charge a highly-questionable “application” or “enrollment” fee of up to $200. No insurer authorizes this fee, and as earlier mentioned, we never charge any money for the services we provide. We highly suggest that if you are ever requested to pay this type of fee, please do not use those services. Also, often, the plans that are shown, create significant out-of-pocket medical bills for hospital claims, since they may only offer limited benefits for major medical expenses.
Temporary Medical Coverage
The only type of policy that includes a legitimate one-time cost is a short-term contract. Typically, there is a $10-$50 application fee, which is customary. These types of plans are often approved within 24 hours, and are lightly-underwritten. Premiums are lower since out-of-pocket costs are higher for most claims. The deductible applies to most benefits, including office visits and prescription drugs. However, an optional rider can waive the deductible.
Urgent Care visits are often provided with just a copay, and online Telemed office visits may be covered at 100%. However, major medical expenses are typically subject to deductibles and coinsurance, which results in large out-of-pocket costs to the consumer.
If enrolling for a subsidized plan, you may be eligible for financial help from the federal government. To earn a federally approved subsidy, you will have to meet income requirements (up to 400% of the Federal Poverty Level) and not be eligible for Medicare, CHIP, military aid, or Medicaid. However, if you are a member of the household is eligible for CHIP or Medicaid, you may purchase Marketplace coverage at the full retail price.
Carriers that offer short-term coverage include UnitedHealthcare, National General, Anthem, Standard Life, Everest Prime, and HCC. Companion Life offers indemnity plans in many states, and may be approved in the Hoosier State at a later date. Previously, Medical Mutual offered temporary coverage. However, MM exited the state and is not expected to return.
High deductible health care plans are the least expensive type of coverage. Typically, these types of plans cost approximately 25%-50% less than comparable comprehensive contracts and generally offer little or no office visit and prescription coverage (other than mandated preventive benefits). However, they are ideal for individuals and families that are mostly concerned with major medical claims, rather than occasional office visits or prescriptions.
Maternity is covered, although an alternative policy option (Silver-Tier plan with cost-sharing) may save thousands of dollars in medical expenses that you are required to pay. Projected out-of-pocket costs for maternity expenses on all Marketplace policies can be viewed before enrolling.
Ambetter’s Essential Care 2 contract is one of the most cost-efficient policies offered on a single or family basis, and is also HSA-eligible. Typically, this plan is one of the least expensive “Bronze” tier options, and features a $6,900 deductible with no coinsurance. Therefore, once the deductible requirement has been satisfied, there is no additional out-of-pocket expense. A slightly more expensive Essential Care 5 plan offers $40 and $80 copays on office visits, although the deductible ($7,350) is higher.
Indiana Health Savings Accounts also use a “HDHP” when offering coverage. Anthem features the most competitively-priced plans, regardless of household income. Since you are responsible for paying most non-preventative out-of-pocket expenses, slightly lower deductibles may be worth considering. Also, it is expected that higher HSA contribution limits and more generous tax treatment may arrive in 2022.
Family plans are popular when there are young children in the household. Often, this type of policy offers copays for most covered office visits and prescriptions and 100% coverage on preventive benefits. While rates are higher than most other types of policies, many providers offer optional deductibles on the major medical claims to keep premiums affordable. Thus, regardless how many office visits and prescriptions (most) you incur, a deductible may not have to be met.
Best Options For Office Visits
Inexpensive plans that offer copays (no deductible) on primary care physician (PCP) office visits:
$20 – Ambetter Balanced Care 29
$25 – CareSource Marketplace Standard Silver
$25 – CareSource Low Deductible Silver
$30 – Ambetter Balanced Care 11
$35 – CareSource Marketplace Low Premium Silver
$35 – Ambetter Balanced Care 12
$40 – CareSource Marketplace Bronze
$40 – Anthem Silver Pathway Essentials 6000
$30 – Anthem Gold Pathway Essentials 1350
Smallest Out-Of Pocket Maximum
It also may be important to find the policies that have the lowest out-of-pocket expenses (including the deductible). These plans are often the optimal choice for healthy persons (and/or families) that because of higher income, don’t receive a subsidy. And thus, the most important feature of their healthcare coverage is to minimize costs in the event of a catastrophic claim or ongoing chronic conditions.
Below, we have provided the policies (and companies) that offer this type of option. It is possible that in selected counties, some of these plans will not be available.
$4,450 – Ambetter Secure Care 15
$6,300 – Ambetter Secure Care 5
$6,500 – CareSource Marketplace Gold
$6,700 – Ambetter Balanced Care 27
$6,900 – Ambetter Essential Care 2
Seniors enrolling in Medicare Advantage, Medicare Supplement, or Part D prescription drug plans, have a much larger choice of carriers when comparing options. For examples, several of the available companies offering private coverage to persons that have reached age 65 include Aetna and UnitedHealthcare.
To make it easy for you to view free quotes, we created a section at the top of every page on the website where you can enter your zip code. This will allow you to start the quick process of comparing rates and coverage of the best available policies. And yes…you can even apply for coverage today! Online applications are available.