Indiana open enrollment 2027 Open enrollment · Indiana

Indiana Open Enrollment 2027 for Families

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

Short answer

For families buying their own coverage 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. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.

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.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Indiana parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Indiana this year

Indiana families face two problems at once this fall. Finalized 2027 rates average about 17 percent, and two insurers are exiting, leaving three to cover the whole state. That means thousands of households in Indianapolis, Fort Wayne, Evansville and beyond will be crosswalked into replacement plans with networks and drug lists they never chose. Hoosiers sign up on HealthCare.gov, where December 15 decides whether a new plan is active on January 1 and January 15 is the final cutoff. A household of three earning past $109,280 gets no subsidy, so it pays the increase in full on a thinner menu.

One thing to do before you choose

Treat the replacement notice as a draft, not a decision. Compare the crosswalked plan against the other two insurers for your county, and check your children's pediatrician, any therapists and the emergency room you would head to for a sick child. Northwest Indiana families who rely on Chicago hospitals and southern Indiana families who use Louisville systems should confirm the network crosses the state line before accepting anything.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: HealthCare.gov accepts everyone, and the subsidy grows with household size.

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.

Our Indiana insurer is leaving. Can we keep our children's doctors?

Maybe, but you have to check. The replacement plan, or any of the three remaining insurers' plans, may or may not include your current doctors. Check every doctor against those plans before December 15. If none of the Marketplace options fit, I can show private family plans, which ask health questions before an insurer will accept the family.

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.