Inexpensive healthcare coverage in Indiana provides quality medical benefits 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 options.

High-income households can also take advantage of the increased federal instant tax credit. Recent subsidies substantially increased, providing many low-cost plan options with smaller deductibles and office visit copays. Households with multiple children benefit the most.

Listed below are seven of the least expensive Indiana health insurance policies 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. Pre-existing conditions are covered on all plans, and there is no cap on lifetime payable benefits.

Ambetter Essential Care 1 – The policy deductible is $8,300 with maximum out-of-pocket expenses of $8,300 and 0% coinsurance. Once the deductible is met, covered benefits are paid at 100%. Network-negotiated discounts help reduce costs for non-preventative expenses. Virtual visits are covered at 100% and the generic drug copay is $25. One children’s eye exam and one pair of children’s glasses are provided free each year.

Adult vision and dental benefits can be added for approximately $15-$20 per month per person. Virtual office visits (from Ambetter Health) are full-covered and not subject to the policy deductible.

Ambetter Balanced Care 29 – Office visit copay for unlimited primary-care physician visits is $20. Specialist visits are subject to the policy coinsurance and deductible. The policy deductible is $5,450 with maximum out-of-pocket expenses of $8,400 and 35% coinsurance.  Lab outpatient and professional services (blood tests) only have to meet a $35 copay and are not subject to the deductible. X-rays and diagnostic imaging are subject to coinsurance.The Urgent Care copay is $60.

The generic drug copay is $35 and the preferred brand drug copay is $75. Non-preferred brand drugs (Tier 3) and specialty drugs (Tier 4) are subject to 50% coinsurance. Prior authorization may be required for non-generic drugs.

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

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 $40 with no limit on the number of times utilized throughout the year. Specialist visits are subject to a $80 copay. Low-cost drugs have a $30 copay while mail-order will reduce your costs with a $75 copay. X-rays are subject to a $125 copay and the deductible.

The deductible is $7,700, which is common with Bronze-tier options.  The maximum out-of-pocket expenses are $8,550 with 50% coinsurance. Urgent-Care visits are also subject to coinsurance and a deductible, although mental/behavioral and substance abuse outpatient services must only meet a $60 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 $5,300 deductible and $6,750 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. Once you reach age 65, deposits are no longer permitted, although accumulated funds may be used for qualified 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. Network extends to additional states. Typically, this plan is more expensive than the HSA plan above.

Ambetter Balanced Care 12 – Office visit copays for primary-care physicians and specialists are $35 and $70. A deductible and coinsurance do not apply and there is no limit on the number of covered visits. The policy deductible is $6,500 with maximum out-of-pocket expenses of $8,150. $35 copay for lab outpatient and professional services. 40% coinsurance for diagnostic imaging and x-rays. Generic drug copays are $25 and $62.50 (mail order). The preferred brand drug copays are $60 and $150 (mail order). Non-preferred brand and specialty 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, coverage can be retained for up to 364 days.

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 $12,500 supplemental accident rider. Deductible options are $2,500, $5,000, $7,500, $10,000 and $12,500. The coinsurance is 30% on all policies. The Urgent Care copay is $75 but pcp and specialist office visits must meet the coinsurance and deductible.

A discount prescription drug discount card is provided (inpatient drugs only). Drugs prescribed outside of a hospital are not included in benefits. ER fees for illness and injury are covered but subject to a deductible.

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.

Note: Ambetter plans utilize a broad Hoosier State network. For example, Indianapolis-area hospitals include Eskenazi Hospital, Indiana University Health, Margaret Mary Community, Kindred Hospital, Riley Hospital For Children, Community Hospital East, St. Francis, St. Vincent, Community Hospital South, Franciscan, Kindred Hospital, Community Hospital North, IU Health North, and Riverview.

Although these seven 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.