Indiana open enrollment 2027 Open enrollment · Indiana

Indiana Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Indiana is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Indiana this year

Indiana's individual market is thinning out for 2027. Three insurers are on the 2027 list, two insurers are exiting, and average rates rise a final 17.1% to 17.5%. Plenty of current enrollees will have to choose a new plan whether they planned to or not. If your household is above 400% of poverty, you pay full price for whatever remains. That covers RV-supplier owners around Elkhart, manufacturing and skilled-trade contractors with busy years, and two-income families in Indianapolis and Fort Wayne. Northwest Indiana households often rely on Chicago-area doctors. Enroll on HealthCare.gov by December 15 for January 1; the final day is January 15, 2027.

One thing to do before you choose

If your current plan is disappearing, don't accept a reassignment without looking at it. Check what replaces it: the network, the out-of-pocket costs and the full monthly premium. Then put a private plan next to it. Private plans are priced on age, ZIP code and health, approval depends on your answers, and benefits vary by plan. For a healthy couple in their 50s in Indianapolis or Fort Wayne, an insurer exit is a natural moment to look at both before December 15.

Your checklist

How far above the line your 2027 household income will land
The full-price Indiana premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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.

We live in Hammond and our doctors are in Chicago. Will an Indiana plan include them?

That depends on the plan's network, and with insurers leaving, there are fewer networks to pick from in 2027. I check your Chicago doctors by name in each plan's directory before you apply, whether it's a full-price HealthCare.gov plan or a private plan, so January doesn't bring a surprise.

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.