Indiana Health Insurance for Self-Employed People and Families
Looking for health insurance in Indiana? We help self-employed people, 1099 workers, families and small business owners compare Marketplace and private health insurance options based on their budget, doctors, prescriptions and coverage needs.
Indiana's individual health insurance market is changing for 2027. CareSource and Cigna are leaving, AmeriHealth Caritas is entering, premiums are changing and new Healthy Indiana Plan requirements begin taking effect.
1099 Health Insurance is licensed to help clients in Indiana. Most consultations are completed by phone and screen-share, so we can review coverage together wherever you live in the state.
Indiana Health Insurance at a Glance for 2027
| Indiana Health Insurance Marketplace | HealthCare.gov |
|---|---|
| 2027 Open Enrollment | November 1, 2026 – January 15, 2027 |
| January 1 coverage deadline | Enroll or switch plans by December 15, 2026 |
| Current 2027 Marketplace lineup | Anthem, Ambetter Health / Coordinated Care Corporation, UnitedHealthcare and new entrant AmeriHealth Caritas Indiana. Final federal Marketplace certification was still pending as of this page's September 27 review. |
| Leaving for 2027 | CareSource and Cigna will not offer Indiana Marketplace plans for 2027. |
| Approved average 2027 rate increase | 17.5% overall after Indiana's state rate review. Individual carrier averages vary. |
| Medicaid expansion | Indiana expanded Medicaid through the Healthy Indiana Plan, commonly called HIP. |
| 2027 HIP change | Work and community-engagement requirements begin applying to certain HIP applicants and members in 2027. |
| Private health insurance | Private options outside the Marketplace may also be available depending on the type of coverage and applicant eligibility. |
What's Changing for Indiana Health Insurance in 2027?
CareSource and Cigna are leaving the Indiana Marketplace
Indiana's Department of Insurance says CareSource Indiana and Cigna will not offer individual Marketplace plans for Plan Year 2027.
If you currently have coverage with either insurer, your 2026 plan can remain in effect through the end of the plan year as long as you remain eligible and keep the coverage active, but you'll need different coverage for 2027.
When comparing replacement plans, check your doctors, hospitals, prescriptions, deductible and maximum out-of-pocket costs rather than choosing only by premium.
AmeriHealth Caritas is entering the Indiana Marketplace
AmeriHealth Caritas Indiana is entering Indiana's individual Marketplace for 2027.
Its Marketplace network is expected to be available in seven counties:
- Boone County
- Hamilton County
- Hendricks County
- Johnson County
- Marion County
- Morgan County
- Shelby County
2027 rates have completed Indiana's state review
Indiana insurers initially requested an overall average Marketplace increase of 19.7% for 2027.
After the Indiana Department of Insurance completed its state review, the overall approved average increase was reduced to 17.5%.
| Insurance Company | Approved Average Rate Change | Approved Average Premium* | Counties |
|---|---|---|---|
| Anthem | +15.8% | $669.36 | 85 |
| Ambetter Health / Coordinated Care Corporation | +19.8% | $787.45 | 92 |
| UnitedHealthcare | +27.2% | $963.85 | 36 |
| AmeriHealth Caritas Indiana | New for 2027 | $665.59 | 7 |
| CareSource | Leaving the individual Marketplace for 2027 | ||
| Cigna | Leaving the individual Marketplace for 2027 | ||
*The Indiana Department of Insurance premium figures are averages across the applicable plans and are not a quote for any specific person. Your premium can be higher or lower.
Your actual price depends on factors such as your age, ZIP code, plan choice, household and eligibility for Marketplace financial assistance.
Indiana Marketplace Coverage by County
Your ZIP code matters in Indiana because the insurance companies do not all serve the same counties.
Ambetter Health
Ambetter Health is underwritten in Indiana by Coordinated Care Corporation and is expected to offer Marketplace coverage in all 92 Indiana counties for 2027.
Anthem
Anthem's current 2027 filing includes Marketplace coverage in 85 counties.
UnitedHealthcare
UnitedHealthcare is expanding its Indiana individual Marketplace footprint from five counties in 2026 to 36 counties for 2027.
AmeriHealth Caritas
New entrant AmeriHealth Caritas Indiana is expected to offer Marketplace plans in seven Central Indiana counties.
Because carrier availability varies so much, we start with your Indiana ZIP code before comparing plans.
Marketplace Financial Assistance in Indiana
Eligible Indiana residents can receive a federal Premium Tax Credit when buying qualified Marketplace coverage through HealthCare.gov.
Under current rules, premium tax credits generally apply to otherwise eligible households with income between 100% and 400% of the federal poverty level.
The amount of assistance depends on your household, estimated annual income and other eligibility factors.
Income is especially important when you're self-employed
Marketplace savings are based on your expected household income for the coverage year.
For self-employed people, net self-employment income and other household income can affect eligibility.
If your income changes significantly during the year, update your Marketplace application. For questions about tax deductions, retirement contributions, HSAs or your taxable income, speak with a qualified tax professional.
Healthy Indiana Plan Changes for 2027
The Healthy Indiana Plan, commonly called HIP, is Indiana's Medicaid expansion program for eligible low-income adults ages 19 through 64.
HIP generally serves eligible adults with household income below approximately 138% of the federal poverty level who are not eligible for Medicare or another Medicaid category.
Work requirements begin in 2027
Beginning January 1, 2027, Indiana begins enforcing new work and community-engagement requirements for certain new HIP applicants and members whose redeterminations occur under the new rules.
Most affected HIP members ages 19 through 64 must meet the requirement unless they qualify for an exemption.
The requirement can generally be satisfied by:
- Completing at least 80 hours per month of work
- Volunteering or community service
- Participating in qualifying job training or a work program
- Attending school or an apprenticeship at least half-time
- Earning at least $580 during the month
Self-employment can count
Indiana FSSA says self-employed HIP applicants and members can document self-employment hours or earnings with records such as tax returns or other business documentation.
If you work for yourself, keep clear records of both your earnings and work activity.
Indiana uses a three-month lookback
FSSA uses the three months before the relevant application, renewal or quarterly review when checking whether the requirement was met.
For example, a person applying for HIP in January 2027 would have October, November and December 2026 reviewed.
Many people are exempt
Exemptions can apply to certain people, including qualifying pregnant individuals, caregivers, people with disabilities or serious health needs, people in qualifying substance-use treatment and other groups identified by FSSA.
If you're unsure whether an exemption applies, verify your status directly with Indiana FSSA.
What if you lose HIP coverage?
Losing Medicaid coverage can create a Special Enrollment Period that allows you to apply for Marketplace coverage outside the normal Open Enrollment window.
If your HIP eligibility changes, we can help you compare the other health insurance options available to you.
Health Insurance for Self-Employed Hoosiers
Self-employed people don't have an employer selecting their health insurance or contributing toward the premium, so choosing coverage often requires more comparison.
We can help you compare:
- Monthly premiums
- Deductibles and maximum out-of-pocket costs
- Doctor and hospital networks
- Prescription coverage
- Marketplace subsidy eligibility
- HIP eligibility when applicable
- Marketplace versus private health insurance options
We regularly help:
Indiana Health Insurance Options
Marketplace Health Insurance
Indiana uses HealthCare.gov for individual and family Marketplace coverage.
Marketplace plans cover pre-existing conditions and include the essential health benefits and consumer protections required under federal law.
HealthCare.gov is also where eligible consumers receive Marketplace Premium Tax Credits.
Private Health Insurance
Some Indiana residents may also have private health insurance options outside the Marketplace.
Depending on the product, private plans may use medical underwriting and can have different provider networks, benefits, exclusions, deductibles and eligibility requirements than Marketplace plans.
Marketplace Premium Tax Credits cannot be used for coverage purchased outside HealthCare.gov.
We can compare the differences with you before you apply.
Healthy Indiana Plan
HIP provides Medicaid coverage to eligible low-income adults ages 19 through 64 who meet Indiana's program requirements.
Medicaid applications are available throughout the year.
Short-Term Health Insurance
Short-term health insurance may be available in Indiana for certain temporary coverage needs.
These plans may use medical underwriting, exclude pre-existing conditions and provide different benefits and protections than ACA-compliant major medical coverage.
Available policy terms are subject to current Indiana and federal rules and the specific insurance company's approved products.
Health Sharing Programs
Health sharing memberships may be available, but they are not health insurance.
Payment of medical expenses is not guaranteed in the same way covered claims are paid under an insurance contract.
Small Business Health Insurance
Indiana employers may have access to traditional group coverage and other employer health benefit arrangements.
Dental, Vision and Supplemental Coverage
Dental, vision, accident, critical illness and other supplemental products may be available alongside medical coverage.
Individual and Family Coverage
Whether you're purchasing coverage for yourself, a spouse or your family, we can compare options using your Indiana ZIP code, doctors and prescriptions.
Check Your Indiana Doctors and Hospitals Before Enrolling
Provider networks vary by insurance company, plan and county.
This is especially important for 2027 because thousands of CareSource and Cigna members will need to select replacement coverage.
Depending on where you live, hospital and provider systems you may want to check include:
- Indiana University Health
- Riley Children's Health
- Community Health Network
- Ascension St. Vincent
- Franciscan Health
- Parkview Health
- Deaconess Health System
Don't assume a doctor or hospital participates simply because they accept another plan from the same insurer.
During a phone or screen-share consultation, we can help check your doctors, hospitals and prescriptions while reviewing your plan choices.
Serving All 92 Indiana Counties
We help Indiana residents by phone and screen-share, so you can compare coverage without traveling to an insurance office.
We work with clients in Indianapolis, Carmel, Fishers, Fort Wayne, Evansville, South Bend, Bloomington, Lafayette, Muncie, Terre Haute, Gary, Hammond and communities throughout Indiana.
Plan availability can vary significantly by county. For 2027, only the Coordinated Care/Ambetter Marketplace filing covers all 92 Indiana counties.
That's why your ZIP code is the starting point for comparing Indiana health insurance.
Convenient Indiana Health Insurance Consultations
Most consultations are completed by phone. When it helps to compare plans together, we can use screen-sharing so you can see premiums, benefits, provider networks and other plan details while we discuss your options.
How It Works
Schedule a Call
Choose a convenient time for a phone consultation. If helpful, we can use screen-sharing to review coverage together.
Compare Your Options
We compare plans available in your county, estimated financial assistance, provider networks, prescriptions and Marketplace versus private coverage when appropriate.
Choose and Apply
If you find an option that works for you, we help with the application and remain available when you have questions after enrollment.
Indiana Health Insurance FAQ
When is Indiana health insurance Open Enrollment for 2027?
Indiana uses HealthCare.gov. Open Enrollment for 2027 Marketplace coverage runs from November 1, 2026 through January 15, 2027.
Enroll or change plans by December 15 for coverage beginning January 1. Enroll by January 15 for coverage generally beginning February 1.
My CareSource or Cigna plan is ending. What should I do?
CareSource and Cigna will not offer individual Marketplace coverage in Indiana for 2027.
Compare replacement plans during Open Enrollment and check your doctors, hospitals and medications before selecting new coverage.
Which insurance companies are expected on the Indiana Marketplace for 2027?
Indiana's current state-approved 2027 filings include Anthem, Coordinated Care Corporation/Ambetter, UnitedHealthcare and new entrant AmeriHealth Caritas Indiana.
Final federal Marketplace certification was still scheduled for completion after this page's September 27, 2026 review.
Which Indiana Marketplace insurer covers all 92 counties?
Coordinated Care Corporation, which underwrites Ambetter Health in Indiana, is included in all 92 counties in Indiana's current 2027 filing information.
How much are Indiana health insurance rates increasing for 2027?
Indiana's overall approved average Marketplace rate increase after state review is 17.5%.
Carrier averages vary from 15.8% for Anthem to 27.2% for UnitedHealthcare among continuing Marketplace carriers with a prior-year rate comparison.
Your own premium may change by a different amount.
Can self-employed people in Indiana get a Marketplace subsidy?
Yes, if they meet the eligibility rules. Under current federal rules, premium tax credits generally apply to otherwise eligible households with income between 100% and 400% of the federal poverty level.
Can I choose private health insurance instead of the Marketplace?
Some Indiana residents may have private coverage options outside HealthCare.gov depending on the type of product and eligibility requirements.
These plans can have different underwriting rules, benefits, exclusions and provider networks. Marketplace tax credits cannot be used outside the Marketplace.
Did Indiana expand Medicaid?
Yes. Indiana expanded Medicaid through the Healthy Indiana Plan, or HIP, which generally serves eligible adults ages 19 through 64 with income below approximately 138% of the federal poverty level.
When do HIP work requirements begin?
Indiana begins enforcing the requirements for new applicants and applicable redeterminations beginning January 1, 2027.
The exact timing for an existing member depends on the person's renewal and review schedule.
What counts toward the Indiana HIP work requirement?
The requirement can generally be met through 80 hours per month of qualifying work, volunteering, education or job training; attending qualifying school or an apprenticeship at least half-time; or earning at least $580 during the month.
Exemptions apply to certain HIP members.
Does self-employment count toward the HIP requirement?
Yes. Indiana FSSA says self-employed individuals can document qualifying self-employment hours or earnings using tax records or other appropriate business documentation.
Can I buy short-term health insurance in Indiana?
Short-term coverage may be available in Indiana, subject to the specific insurer's approved products and current state and federal requirements.
Short-term coverage can use medical underwriting and may exclude pre-existing conditions or benefits that ACA-compliant plans are required to cover.
Can I get health insurance outside Open Enrollment?
Marketplace coverage generally requires Open Enrollment or eligibility for a Special Enrollment Period after a qualifying event such as losing other coverage, marriage, having a baby or certain moves.
HIP and other Medicaid programs accept applications throughout the year for eligible people.
Can you help check my doctors and prescriptions?
Yes. Have the names of your doctors, specialists, preferred hospitals and medications available during your consultation. We can help check them while comparing your coverage options.
How do consultations work?
Most consultations are completed by phone. When it is useful to compare plans together, we can use screen-sharing so you can see the coverage information while we discuss it.
Get Help Comparing Indiana Health Insurance
With CareSource and Cigna leaving, AmeriHealth Caritas entering, significant rate differences between insurers and new HIP requirements beginning in 2027, this is an important year to compare carefully.
We can help you compare Marketplace and private health insurance options by phone or screen-share.
Indiana Health Insurance Sources
- Indiana Department of Insurance — 2027 ACA Marketplace filings, approved rates and county availability
- HealthCare.gov — 2027 Open Enrollment dates, Marketplace coverage and Premium Tax Credit information
- Indiana Family and Social Services Administration — Healthy Indiana Plan eligibility
- Indiana FSSA — 2027 HIP work requirements, exemptions and three-month lookback rules
- AmeriHealth Caritas — 2027 Indiana Marketplace network information
