How to Get Health Insurance Quotes in Indiana

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker, NPN 21032307

Indiana at a glance

What a quote takes

1. Book a 15-minute call by phone or video, in English or Spanish. There is no fee.
2. Have ready: your Indiana ZIP code, everyone's ages, your doctors (in Indianapolis, Fort Wayne or elsewhere), prescriptions, a rough income estimate for the HealthCare.gov side and your health history for the private side.
3. Frank prices private plans from your health answers and Marketplace plans on HealthCare.gov from your income, and checks each network for your doctors.
4. Next, a private application goes to the insurer for an underwriting decision; if approved, coverage can start the first of the next month. HealthCare.gov enrollment happens in open enrollment or a special enrollment period, with Frank's help.

Private plan vs. the Marketplace in Indiana

Short-term plans are sold in Indiana as a bridge of a few months under federal rules and do not cover pre-existing conditions. The private PPO plans we quote are medically underwritten and year-round.

Indiana rules that shape a quote

Indiana workers shop for individual coverage on HealthCare.gov, where open enrollment for 2027 runs November 1, 2026 to January 15, 2027, and a job change, a move or the loss of other coverage can open a special enrollment period outside that window. Indiana has no state premium subsidy or reinsurance program, so any help with premiums comes from the federal tax credit, which depends on an honest estimate of next year's income. Because Indiana's small-employer continuation law has never taken effect, leaving a shop with fewer than 20 workers usually means losing group coverage when the job ends, which makes the 60-day special enrollment window after a loss of coverage the main safety net. Short-term plans sold in Indiana can last much longer than in most states, but they can turn down applicants with health conditions and do not have to cover every essential benefit. For 2027, new federal rules also make it easier for people who do not qualify for tax credits to buy a catastrophic plan.

Who usually starts with which

Common self-employed work in Indiana: Owner-operator truck drivers on I-65, I-70 and I-80, construction and skilled trades, manufacturing contractors, RV-industry suppliers around Elkhart, real estate agents, and farm families.

The SBA counts 591,671 small businesses in Indiana, and 480,921 of them have no employees besides the owner. Small firms employ about 1.2 million Hoosiers, or about 43 percent of the state's workers. Repair and personal services, transportation and warehousing, construction, and professional services have the most small firms. That mix covers owner-operator truckers on the interstates around Indianapolis, home builders and remodelers in the Indianapolis suburbs, and consultants across the state, most of whom buy health coverage on their own.

Hoosiers selected 300,049 Marketplace plans for 2026, compared with 359,240 for 2025, a loss of about 59,000 enrollees or roughly 16 percent in the first year without the enhanced credits. Of the 2026 group, about 83 percent qualified for an advance premium tax credit, while about 17 percent paid the whole premium themselves, up from about 10 percent. Silver plans still made up about 62 percent of selections, and nearly a quarter of enrollees lived in rural areas. About 34 percent of Indiana households report incomes of $100,000 or more in Census data.

Business owners with employees

Five insurer filings make up Indiana's 2027 ACA small-group market, and the Indiana Department of Insurance approved average increases ranging from about 9 percent to 15.5 percent, depending on the insurer. All of those small-group plans are sold off the Marketplace, and one insurer is dropping ACA small-group plans entirely for 2027. The department counts a small employer as one with 1 to 50 employees, matching the federal definition. It also treats affiliated companies that can file a combined state tax return as one employer when counting heads.

Leaving a job or group plan

Hoosiers should watch the 2027 insurer changes before switching: two companies are leaving Indiana's individual market, so a plan that covered your doctors this year may not exist next year. Indiana uses HealthCare.gov, and you can pick a plan in the 60 days before your COBRA or job coverage ends. A voluntary early cancellation of COBRA does not count as a qualifying event.

If you are self-employed in Indiana, premiums for you and your family are often deductible on your federal return, whichever kind of plan you choose. General information, not tax advice — confirm with your CPA based on your specific entity structure.

2027 rates in Indiana

Marketplace premiums in Indiana are set to rise 17.1% to 17.5% on average for 2027 in finalized filings from 3 insurers, with small-group plans up about 14.5%; the Indiana 2027 premium increase page has the details.

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