Indiana open enrollment 2027 Open enrollment · Indiana

Indiana Open Enrollment 2027 for People Between Jobs

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

Short answer

For people between jobs in Indiana, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. If you are healthy, a private, medically underwritten plan is another route that ignores the calendar: if approved, it can start the first of any month, right after your job coverage ends.

What 2027 looks like for you

Indiana's average 2027 rate change is 17.1% to 17.5% (finalized). Two insurers are leaving Indiana's individual market, so some renewals arrive as a plan you did not pick. The details are on the Indiana 2027 premium increase page.

Losing job-based coverage opens a 60-day special enrollment period, and open enrollment runs at the same time this fall, so most people between jobs have two doors open at once. Federal COBRA, where it applies, lasts up to 18 months at up to 102% of the full premium. Any Marketplace subsidy depends on your 2027 household income, with the line at $63,840 for one person and $86,560 for two.

Indiana this year

Indiana loses two individual-market insurers for 2027, leaving three to cover the state, and finalized rates rise about 17 percent. Small-group renewals climb about 14.5 percent. If you exit a shop under 20 employees, Indiana has no working mini-COBRA law: the code section that would allow 12 months stays dormant unless lawmakers pay for an offset to small employers. That puts RV-industry suppliers around Elkhart, manufacturing contractors and truck drivers in Indianapolis or Fort Wayne on a short timeline, often with no group coverage to carry them.

State continuation 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.

One thing to do before you choose

Leaving a small Indiana employer usually means new coverage is needed right away, so count 60 days from your last day on the plan and enroll before it passes. On HealthCare.gov, check which of the three remaining insurers include your doctors in Indianapolis, Fort Wayne or Evansville. If you are healthy, price a private plan too; if approved, it can start the first of a month, though benefits vary and it sits outside the Marketplace.

Your checklist

The exact date your job coverage ends, in writing
Your COBRA notice and its election deadline
Severance and final pay in your 2027 income estimate
A private quote while COBRA is still in reserve

Private plan or Marketplace?

Private plan

Healthy and between roles: priced on age, ZIP code and health, with COBRA kept in reserve. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a year of lower income: HealthCare.gov must accept you within the 60-day window or during open enrollment.

Compare Indiana plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Indiana. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Indiana?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

Indiana has a continuation section in its code. Why can't I use it?

That section, which would give members of small employer plans 12 months of continuation, is switched off until the legislature funds an offset for small businesses, so nobody can use it today. Hoosiers whose employer had a workforce of 20 or more still have federal COBRA, and anyone losing job coverage gets a special enrollment period.

Can I get a private plan in Indiana after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Indiana

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. 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.