Indiana Open Enrollment for 2027 Coverage
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
Open enrollment for 2027 coverage in Indiana runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1; plans picked December 16–January 15 start February 1. Private, medically underwritten plans don't use the window: if approved, they can start the first of any month.
Key dates for Indiana
| What | HealthCare.gov |
|---|---|
| Open enrollment opens | November 1, 2026 |
| Open enrollment closes | January 15, 2027 |
| Deadline for a January 1, 2027 start | December 15, 2026 |
| Plans picked December 16 to January 15 | Start February 1, 2027 |
| Private plans | Any month, if approved |
Indiana at a glance
- Where Indiana buys Marketplace plans: HealthCare.gov, the federal Marketplace
- 2027 average rate change: 17.1% to 17.5% (finalized)
- Insurers leaving for 2027: two
- Small-group average change: about 14.5%
- Largest metro areas: Indianapolis, Fort Wayne, Evansville and South Bend–Elkhart
- Medicaid expansion: Yes (a separate program, not tied to this window)
What changed for 2027
Indiana's rates are finalized at about 17 percent. The bigger change is structural: with two insurers gone, three remain to cover the whole state, and small-group renewals rise about 14.5 percent. More detail is on the Indiana 2027 premium increase page.
For Indiana households buying 2027 coverage, the Marketplace premium tax credit stops at 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. The repayment caps were removed starting with tax year 2026, so any excess advance credit is repaid in full on Form 8962. General information, not tax advice — confirm with your CPA based on your specific entity structure.
Who this year's window matters for in Indiana
Indiana's open enrollment is about exits as much as prices: two insurers are leaving for 2027, three remain, and thousands of Hoosiers in Indianapolis, Fort Wayne and Evansville will be moved into replacement plans. A crosswalked plan can carry a different network and drug list than the one you chose, so treat the notice as a prompt to compare rather than a decision already made for you.
Self-employed work that is common in Indiana, and the people I most often help there: 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.
Before you renew in Indiana
Hoosiers in Northwest Indiana who use Chicago hospitals, and southern Indiana families who use Louisville systems, should confirm that a replacement plan reaches across the state line before accepting it. Manufacturing, logistics and construction contractors along I-65 and I-69 who work on a 1099 should set the 2027 income estimate from the whole year, not one strong quarter.
Should you renew, switch, or look at private?
Auto-renew risk
Do nothing and HealthCare.gov re-enrolls you at the new 2027 price, 17.1% to 17.5% higher on average in Indiana. With two insurers leaving, some Indiana renewals land in a plan from a different company.
Healthy, income above the line
Price a private plan in Indiana too. If approved, it can start the first of any month, with no wait for Indiana's window.
Health conditions or subsidy-eligible income
Use the Marketplace. HealthCare.gov plans can't decline you or charge more for your health.
Checklist before you pick a plan
- Your Indiana renewal notice
- The new 2027 premium and deductible
- Doctors and prescriptions still in network, including any care in Indianapolis or Fort Wayne
- Your 2027 income estimate
Missed it?
After Indiana's window closes, a Marketplace plan needs a special enrollment event: losing other coverage, a move, marriage or a baby, generally within 60 days, through HealthCare.gov. Check with Can I enroll now? or the missed open enrollment guide.
Leaving a job in Indiana? Indiana has no working mini-COBRA law: a section of the insurance code that would give small employer plan members 12 months of continuation only takes effect if the legislature funds an offset for small employers, so people leaving a shop with fewer than 20 employees usually need new coverage right away.
Short-term plans, if you only need a bridge: Indiana law, changed in 2019, lets short-term plans run up to 364 days at a time and up to 36 months with renewals, with at least $2 million in benefits, and federal agencies are not prioritizing enforcement of the federal four-month limit. They are not Marketplace coverage.
In Indiana, a private, medically underwritten plan needs no event. If approved, it starts the first of a month; approval is not guaranteed.
Compare Indiana plans before you renew
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
About your broker
Frank Caballero (NPN 21032307) is a health insurance broker licensed in 31 states including Indiana. Phone or video, English or Spanish, no fee. BBB Accredited (A) and rated 4.9 on Google from 78 reviews. He is independent, not HealthCare.gov or a government agency.
Indiana open enrollment questions
When does open enrollment end in Indiana for 2027?
January 15, 2027, on HealthCare.gov, the federal Marketplace. Pick a plan by December 15 for a January 1 start in Indiana.
What happens if I miss the December 15 deadline in Indiana?
You can still enroll through January 15, but a plan picked after December 15 starts February 1.
Can I get a private plan in Indiana outside open enrollment?
Yes. In Indiana you can apply in any month, and if approved, a private, medically underwritten plan starts the first of a month; the insurer can decline based on health.
Will I be auto-renewed in Indiana?
Usually, at the 2027 price: 17.1% to 17.5% higher on average. With two insurers leaving, some Indiana renewals land in a plan from a different company.
Is there a fee to use a broker in Indiana?
No. Indiana clients pay nothing; the insurance company pays the broker, and Marketplace premiums are the same with or without one.
What happens if my Indiana insurer leaves the Marketplace?
You will receive a notice, and HealthCare.gov may move you into a plan from one of the three remaining insurers. You can choose a different plan through January 15, 2027; choose by December 15 if you want the new plan to start January 1.
More for Indiana
Open enrollment in nearby states
Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. HealthCare.gov is the federal Marketplace. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
Written by Frank Caballero, licensed health insurance broker in Indiana and 30 other states, NPN 21032307. Last updated November 3, 2026.