Indiana open enrollment 2027 Open enrollment · Indiana

Indiana Open Enrollment 2027 for Small Business Owners

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

Short answer

For small business owners 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. Your own coverage can also come from a private, medically underwritten plan, which does not wait for the window: 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.

Group plans can renew at any point in the year, so open enrollment matters to owners for two reasons: an individual coverage HRA, or ICHRA, reimburses employees for individual plans they choose, and most of that shopping happens in this window; and an owner covering only the household buys in the individual market too. For your own household, the 2027 subsidy line is $63,840 for one person, $86,560 for two and $132,000 for four.

Indiana this year

Indiana pairs a finalized individual increase of about 17.1 to 17.5 percent with a shrinking market: two insurers are leaving, and three remain on HealthCare.gov. Small-group renewals are running about 14.5 percent, a little gentler. For an Elkhart RV supplier, an Indianapolis trucking company or a Fort Wayne manufacturing shop, an ICHRA would put employees into a market with higher prices and fewer choices for 2027. Group plans may hold up better this year, though averages hide wide swings, so your own renewal and your employees' ages and ZIP codes decide which way the numbers fall for your business.

Small-group plans in Indiana average about 14.5% for 2027, against 17.1% to 17.5% for individual plans, so put this year's group renewal next to an ICHRA quote before you sign it.

One thing to do before you choose

Before dropping a group plan in Indiana, check which of the three remaining individual insurers cover the hospitals your team uses in Evansville, South Bend or the Gary and Hammond area. If the only household you need to insure is your own, compare Marketplace coverage with private plans, which are priced on age, location and health. Such plans sit outside the ACA Marketplace, and whether you are approved depends on your health answers.

Your checklist

Your 2027 group renewal letter and its effective date
How many employees you have and where they live
A fixed monthly ICHRA budget you could offer
Your own household's coverage, priced separately

Private plan or Marketplace?

Private plan

For the owner's own household when everyone is healthy: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

For employees on an ICHRA, or an owner with ongoing care: HealthCare.gov accepts everyone during open enrollment.

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.

Do workers who leave my Indiana company have a state right to continue our group plan?

Usually not. Indiana's small-employer continuation section only takes effect if the legislature funds an offset for small employers, so in practice there is no working mini-COBRA law. People leaving an Indiana shop of under 20 people typically need new coverage right away.

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.