Indiana open enrollment 2027 Open enrollment · Indiana

Indiana Open Enrollment 2027 for Individuals

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

Short answer

For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

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.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Indiana this year

Indiana's 2027 window is about exits as much as prices. Two insurers are leaving, three remain to cover the whole state, and finalized rates rise about 17 percent. Thousands of Hoosiers in Indianapolis, Fort Wayne and Evansville will be crosswalked into replacement plans with different networks and drug lists. Sign-ups run through HealthCare.gov, and most plans are regional HMOs or narrow networks, so the Region near Chicago and the southern counties near Louisville each have different realistic choices. Indiana adds no subsidy or reinsurance of its own, so a single buyer above $63,840 pays the full increase.

One thing to do before you choose

Before January 15, open the notice that names your replacement plan and check three things: your primary doctor, your nearest hospital and any prescriptions you take. If you live in Northwest Indiana and use Chicago hospitals, or near Louisville and cross the river for care, confirm the new network reaches there. If it does not, choose another plan yourself while every option is still open.

Your checklist

Each plan's network type in your Indiana ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

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.

I'm a single renter in Indianapolis and my insurer is leaving. Do I need to re-enroll?

The Marketplace may slot you into a comparable plan offered by one of the three insurers that remain, but that assigned plan can have a different network, drug list and cost. Compare it with the other options on HealthCare.gov, and lock in a choice no later than December 15 so it begins January 1.

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.