Indiana Health Insurance: Free Help Comparing ACA and Private Plans
Indiana Health Insurance: Free Help Comparing ACA and Private Plans
Licensed in Indiana — helping you online, from Indianapolis to Fort Wayne.
I help Indiana individuals, families, and self-employed professionals compare their health insurance options and enroll — all online by phone or video, at no cost to you. I'll show you ACA plans through HealthCare.gov and private plans side by side, so you can choose what fits your health, your doctors, and your budget.
Hoosiers Use HealthCare.gov
Indiana doesn't run its own marketplace, so ACA plans and financial help are available through the federal HealthCare.gov platform — and I can help you enroll there or directly with a carrier. About 300,000 Hoosiers enrolled for 2026, and about 8 in 10 received premium tax credits.
What's Changing for 2027 in Indiana
Open Enrollment runs November 1, 2026, through January 15, 2027. Choose a plan by December 15 for coverage starting January 1, 2027; enrollments after that start February 1.
Four insurers are expected to offer marketplace plans in Indiana for 2027. CareSource and Cigna are leaving, and a new insurer is joining — if your plan is ending, you'll need to choose a new one.
Insurers proposed average increases in the high teens before subsidies. Your actual premium depends on your plan and the financial help you qualify for.
Enhanced federal premium tax credits were not renewed, so many people are paying more — which makes comparing your options more important than ever.
Indiana spreads certain plan costs across all metal levels, which affects how far tax credits go — another reason to compare Bronze, Silver, and Gold options carefully.
ACA or Private: Two Paths for Hoosiers
ACA plans accept everyone, with no health questions, and can't turn you down or charge more because of a pre-existing condition. Private plans are offered outside the marketplace and ask health questions, so eligibility depends on your answers — but for healthy people, private plans may cost less, and many are available year-round. I'll compare both for you, and if a private plan isn't the right fit, an ACA plan is always an option.
Need Coverage Outside Open Enrollment?
If you have a qualifying life event — like losing other coverage, moving, getting married, or having a baby — you can enroll in an ACA plan during a Special Enrollment Period. Indiana has expanded Medicaid through the Healthy Indiana Plan, and Medicaid and Hoosier Healthwise (for children) accept applications year-round. And depending on eligibility, private plans are often available any time of year.
How I Help Hoosiers — Always Free
I'll learn about your household, your budget, and the doctors you want to keep, then walk you through the ACA and private options available in your ZIP code in plain English. I'll check your doctors and prescriptions, help you apply for any financial help you qualify for, and handle enrollment from start to finish. My help is free — plan prices are the same with or without a broker.
Indiana Health Insurance FAQ
When is Open Enrollment in Indiana for 2027?
November 1, 2026, through January 15, 2027, on HealthCare.gov. Choose a plan by December 15 for coverage starting January 1.
Does Indiana have its own health insurance marketplace?
No. Hoosiers use HealthCare.gov for ACA plans and financial help.
My CareSource or Cigna marketplace plan is ending. What should I do?
Keep your coverage through the end of 2026, then choose a new plan during Open Enrollment. I can help you compare replacements.
Do we need to meet in person?
No. All consultations are online by phone or video, anywhere in Indiana.
Is your help free?
Yes. Brokers are paid by the insurance carriers, so your price is the same.
Reviewed by Heath Heimlich, licensed health insurance advisor (NPN 8799018). Sources: CMS; healthinsurance.org. October 2026.