Indiana open enrollment 2027 Open enrollment · Indiana

Indiana Open Enrollment 2027 for Marketplace Renewals

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

Short answer

For people renewing a Marketplace plan 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. Before you let the renewal go through, know that a private, medically underwritten plan is another option: 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.

Unless you act, HealthCare.gov renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Indiana this year

Indiana is losing insurers. Three appear in the 2027 rate data, and two are exiting, so a large share of enrollees will be moved to a new insurer or need to pick one. Finalized average increases of about 17.1 to 17.5 percent come on top of that. Marketplace plans here are mostly regional HMOs and narrow networks, so the realistic options in Indianapolis, Fort Wayne, Evansville and the Region around Gary differ a lot. Northwest Indiana families who see doctors in Chicago, and southern-county families who cross to Louisville or Cincinnati, should check carefully. Hoosiers enroll on HealthCare.gov, with December 15 as the date for January 1 coverage.

One thing to do before you choose

If your renewal shows a different insurer name than your 2026 card, you were mapped. Do not accept that by default. Compare it with the other remaining options at two metal levels, and check whether either network covers your out-of-state doctors. Elkhart RV suppliers and I-65 owner-operators who are healthy and above the subsidy line can also see a private PPO quote from me. Approval depends on medical answers, and coverage can begin any month if approved.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with HealthCare.gov, but pick the 2027 plan yourself instead of auto-renewing.

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 have Crohn's disease and my insurer is leaving Indiana. What are my options?

Stay on the Marketplace. A plan there cannot deny you or price you higher for Crohn's, and a private underwritten plan would ask about it. Make your choice by December 15 so January has no gap, and before you pick, check that your gastroenterologist, your infusion site and your biologic are all covered under the new plan.

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.