Health insurance for Hoosiers who buy their own.
We help Hoosiers who buy their own health coverage, including people leaving a job, self-employed workers and early retirees who are not yet 65, compare Marketplace plans and other options in Indiana.
Indiana plans we compare
What’s different about health insurance in Indiana.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Indiana FAQ- Indiana uses the federal Marketplace at HealthCare.gov. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027.
- Five insurers sell 2026 Marketplace plans here: Anthem, CareSource, Cigna, Ambetter from MHS and UnitedHealthcare. CareSource and Cigna are leaving the Marketplace for 2027, and AmeriHealth Caritas is joining in 7 counties.
- The extra federal subsidies expired after 2025, so households earning more than 400% of the poverty level get no premium tax credit in 2026.
- The state approved an average 27.2% increase in Marketplace rates for 2026 and an average 17.5% increase for 2027.
- The Healthy Indiana Plan (Medicaid) covers low-income adults 19 to 64, but work requirements start January 1, 2027.
- Indiana has no active state continuation law for small employers, and state law allows short-term plans of up to 364 days, renewable to 36 months.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Indiana's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Indiana, and what to use instead.
Learn moreWho sells plans in Indiana
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Indiana FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs November 1, 2026 to January 15, 2027 through HealthCare.gov. Choose a plan by December 15 if you want coverage to start January 1. Outside that window you need a qualifying event, such as losing job-based coverage.
Yes. The Indiana Department of Insurance approved an average increase of 27.2% for 2026 individual Marketplace plans and an average of 17.5% for 2027. Your own change depends on your plan, county and any subsidy.
No. Indiana has no state penalty for going without coverage and no state premium subsidy. Federal premium tax credits are the main help with Marketplace premiums.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Indiana county, check your subsidy, and walk you through the options. No cost, no obligation.