Indiana open enrollment 2027 Open enrollment · Indiana

Indiana Open Enrollment 2027 for Self-Employed

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

Short answer

For self-employed people and 1099 contractors 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 does not wait for the window: if approved, it can start the first of any month, which suits income that never arrives on a schedule.

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 subsidy line for 2027 sits at 400% of the federal poverty level: $63,840 for one person and $86,560 for two. For self-employed people the income that counts is net business income after expenses, plus any other household income, and a strong fourth quarter can carry you over the line. Starting with tax year 2026 there is no cap on repaying excess advance credit, so estimate carefully. General information, not tax advice — confirm with your CPA based on your specific entity structure.

Indiana this year

Indiana's 2027 story is about shrinkage as much as price. Finalized rates rise about 17 percent, and two insurers are pulling out, leaving three for the whole state. Thousands of Hoosiers in Indianapolis, Fort Wayne and Evansville will need new plans, and the replacement networks may not match what they had. Indiana uses HealthCare.gov, where December 15 locks in a January 1 start and January 15 is the last day. Owner-operator truckers on I-65 and I-70, Elkhart RV suppliers and manufacturing contractors who buy their own coverage should treat this window as a fresh shopping trip, not a renewal.

Work I see most often among Indiana's self-employed buyers: owner-operator truck drivers on I-65, I-70 and I-80, construction and skilled trades, manufacturing contractors, RV-industry suppliers around Elkhart, real estate agents, and farm families.

One thing to do before you choose

Look closely at any crosswalked plan HealthCare.gov assigns you. A replacement can carry a different network, drug list and cost sharing than the plan that is ending. Make a short list of your doctors and prescriptions, test them against each of the three remaining insurers, and, if you are in good health and over the subsidy line, price an underwritten private policy too. It hinges on your medical history and is separate from the Marketplace.

Your checklist

Your Indiana renewal notice and its 2027 price
A net income estimate with a cushion
Doctors and prescriptions in each network
A private quote if you are healthy and near the line

Private plan or Marketplace?

Private plan

Healthy and above the line: priced on age, ZIP code and health, not income. 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 may make it the better value.

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 an Elkhart RV supplier and my insurer is leaving Indiana. Will I lose coverage on January 1?

Not necessarily. HealthCare.gov may move enrollees from an exiting insurer into a similar plan from a remaining one, and you will get a notice explaining it. You can accept that match or pick a different plan before January 15, so use the window to check that the new network fits.

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.