Non-ACA Health Insurance Options in Indiana (2026)
Not everyone in Indiana is best served by a Marketplace plan. Here are the non-ACA options available here, with an honest look at what they do and don’t cover.
Non-ACA options in Indiana
Health care sharing ministries operate legally in Indiana. A 2012 state law says they are not insurance, which means the state does not guarantee payment of your bills and members can be left with costs the group decides not to share. Many groups also limit sharing for pre-existing conditions.
Indiana Farm Bureau Health Plans, allowed by a 2020 state law, are offered to Farm Bureau members and use the UnitedHealthcare provider network. They are not insurance and not ACA plans: applicants are medically underwritten, some are declined, and you cannot use premium tax credits to pay for them.
These options can cost less for healthy people who do not qualify for Marketplace subsidies. The trade-off is weaker protection if you get seriously ill, so read the exclusions and payment limits before you drop an ACA plan.
Health care sharing ministries
Indiana passed a law in 2012 (HEA 1050) stating that health care sharing ministries are not insurance and exempting them from the state insurance code, so the state does not guarantee that bills will be shared.
Farm Bureau health plans
Indiana Farm Bureau Health Plans, allowed by a 2020 state law (SEA 184), are health benefit plans for Indiana Farm Bureau members that are not legally insurance. Applicants are medically underwritten, so some people with health conditions are turned down or charged more, and these plans do not qualify for premium tax credits.
Other options
Plans that are not ACA plans, including short-term plans, sharing ministries and Farm Bureau plans, can deny or limit coverage based on health history and do not have to cover all ten essential health benefits.
The trade-offs to understand
Health sharing programs are not insurance. Members share medical bills under the program’s guidelines, and payment isn’t guaranteed. Most limit or exclude pre-existing conditions for a period, and they don’t qualify for premium tax credits.
Fixed indemnity and similar plans pay set dollar amounts for specific events rather than covering your bills, so they work best as a supplement. Before choosing any non-ACA option, compare it against what you would actually pay for a Marketplace plan after subsidies.
Indiana questions
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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.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- KFF: Recent changes to Marketplace premium subsidies (updated January 2026)
- Indiana Department of Insurance: Short-term, limited-duration health plans consumer information
- 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)
