Indiana health insurance questions, answered.
Answers from licensed agents about buying your own coverage in Indiana, organized by topic.
Getting started
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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.
Leaving a job
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Not one that is clearly in effect. The Indiana Code includes a 12-month small-employer continuation section, but it applies only after the legislature funds a cost-offset mechanism. If your employer has fewer than 20 workers, ask in writing what you can keep, and plan on the Marketplace as your main option.
Losing job-based coverage generally gives you 60 days to choose a Marketplace plan. You can usually pick a plan up to 60 days before your coverage ends as well. Enrolling early helps avoid a gap.
Possibly, if your income is low enough. For 2026 a single adult qualifies with yearly income up to about $22,026. Starting January 2027, most new applicants must show 80 hours a month of work, school, training or volunteering in the three months before applying, unless an exemption applies.
Early retirement
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It depends on your income. With the enhanced credits expired, you can get a premium tax credit only if your household income is between 100% and 400% of the federal poverty level. Retirement account withdrawals and other income count, so plan them carefully.
Yes, they apply to HIP members ages 19 to 64 who are not exempt, starting January 1, 2027. Exemptions include being medically frail, caring for a person with a disability, or being in substance use treatment. Members renew every six months.
According to the state, coverage stops and you must reapply. During that time you also cannot get Marketplace financial help, so you would pay full price for a Marketplace plan. Keep records of your hours and report changes within 10 days.
Self-employed
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You buy Marketplace plans like anyone else, based on your expected household income. Indiana adds no mandate and no state subsidy. Indiana Farm Bureau members can also apply for Farm Bureau health plans, which are underwritten and are not ACA plans.
Ambetter from MHS and CareSource sell 2026 Marketplace plans in all 92 counties, Anthem in 85, Cigna in 15 and UnitedHealthcare in 5. Your choices depend on your ZIP code, so check the plans available where you live.
For 2026, households above 400% of the federal poverty level get no premium tax credit. You can still buy any Marketplace plan at full price, and some people compare that cost against underwritten options. Those options can turn you down or exclude conditions, so weigh the risk.
Short-term plans
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Indiana law allows terms of up to 364 days, renewable for up to 36 months in total. A 2024 federal rule sets a four-month limit, but federal agencies said in 2025 they would not prioritize enforcing it. Many insurers sell shorter terms, such as four, six or twelve months.
Usually not. The Indiana Department of Insurance says short-term plans do not cover pre-existing conditions and can deny you based on your health. They also do not have to cover prescriptions, maternity or mental health care.
Yes, short-term plans can be bought at any time, unlike Marketplace plans. But they can be cancelled back to the start date if your application missed a health condition. If you have a job loss or other qualifying event, check whether a Marketplace plan is open to you first.
Non-ACA options
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Yes. A 2012 Indiana law says sharing ministries are not insurance and exempts them from the insurance code. That means no state guarantee that your bills will be paid.
It is a health benefit plan for Indiana Farm Bureau members, allowed by a 2020 state law, that uses the UnitedHealthcare network. It is not insurance and not an ACA plan. Applicants are underwritten, so some are declined, and members keep coverage as long as they pay premiums and stay members.
No. Premium tax credits only apply to Marketplace plans. If you qualify for a sizable credit, a Marketplace plan is often cheaper and offers stronger protection.
Insurers
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Anthem, CareSource, Cigna, Ambetter from MHS (Coordinated Care Corporation) and UnitedHealthcare. The state says these are the only companies approved to sell individual Marketplace plans for 2026. Aetna left the Indiana Marketplace for 2026.
CareSource and Cigna will not sell Indiana Marketplace plans for 2027. AmeriHealth Caritas is entering in 7 counties, and UnitedHealthcare is expanding from 5 counties to 36. If your insurer is leaving, you will need to pick a new plan during open enrollment.
KFF puts the 2026 average benchmark silver premium for a 40-year-old in Indiana at $474 a month before subsidies. Older adults pay more, and what you actually pay depends on your income, county and plan.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- HealthCare.gov: Dates and deadlines for coverage
- Indiana Health Care Reform: Open Enrollment Fact Sheet for 2026
- KFF: Recent changes to Marketplace premium subsidies (updated January 2026)
- Indiana FSSA: Healthy Indiana Plan
- Indiana FSSA press release: HIP work requirement implementation details (July 6, 2026)
- Indiana FSSA: HIP work requirements, info for HIP members
- Indiana Code 27-8-15-31.1 (FindLaw)
- Indiana Department of Insurance: Short-term, limited-duration health plans consumer information
- healthinsurance.org: Short-term health insurance in Indiana
- Indiana House Republicans: Rep. Koch and HEA 1050 (health care sharing ministries)
- Indiana Farm Bureau: INFB Health Plans provide affordable, reliable health care (November 2025)
- Indiana Farm Bureau: Health benefit plan FAQs
- Inside Indiana Business: Indiana farmers gain access to health coverage
- Indiana Farm Bureau: Health care bill passes General Assembly (SEA 184, 2020)
- Indiana Department of Insurance: Indiana 2026 Individual ACA Filings (Rate Watch)
- Indiana Department of Insurance: Indiana 2027 ACA Filings (Rate Watch)
- KFF: Marketplace average monthly benchmark premiums
- HealthCare.gov: Special Enrollment Period
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.