Indiana health insurance Marketplace guide

You can buy individual/family health insurance from Indiana’s Marketplace if:⁷

• You live in Indiana. 
• You are lawfully present in the U.S.
• You don’t have Medicare.
• You are not incarcerated.

Marketplace financial assistance, such as premium subsidies and cost-sharing reductions, depends on your household income. In addition, to qualify for financial assistance, you must: 

• Not have access to affordable coverage via an employer. Our Employer Health Plan Affordability Calculator can help you check if you might qualify for premium subsidies in the Marketplace. 
• Not be eligible for Medicaid or CHIP/Hoosier Healthwise.
• Not be eligible for premium-free Medicare Part A. ⁸
• File a joint tax return with your spouse, if you’re married.⁹ (with very limited exceptions)¹⁰
• Not be able to be claimed by someone else as a tax dependent.⁹

In Indiana, you can sign up for ACA-compliant individual and family health plans during the annual open enrollment period, which runs from November 1 through January 15.¹¹ 

If you sign up by December 15, your coverage starts on January 1. If you enroll between December 16 and January 15, your coverage begins on February 1.

But starting in the fall of 2026, for coverage effective in 2027 and future years, there will no longer be an option for a February 1 effective date. The open enrollment period will end December 15, and all plans selected during open enrollment will take effect January 1. This is due to a federal rule change that was finalized in 2025.

If the open enrollment deadline passes, you may still be able to sign up for or make changes to an ACA Marketplace health plan through a special enrollment period (SEP). To qualify for a SEP, you’ll generally need a qualifying life event.

However, you can apply in some situations even if you don’t have a qualifying life event. These include:

• If you’re eligible for premium tax credits and your income is no more than 150% of the poverty level, you can enroll at any time.¹² (This enrollment window will NOT be available between August 25, 2025 and December 31, 2026, due to a federal rule change that was finalized in 2025.)
• If you’re a Native American, you can enroll anytime.¹³

There are a few ways to enroll in an exchange health plan in Indiana:

1. You can sign up on HealthCare.gov – the ACA exchange website.
2. Alternatively, you can call them at (800) 318-2596 (TTY: 1-855-889-4325). The call center is available 24 hours a day, seven days a week, but it’s closed on holidays.
3. You can get help — in person, online, or over the phone, from agents, navigators, or certified application counselors.
4. You can enroll via an approved enhanced direct enrollment entity.¹⁴

In Indiana, you can find affordable health plans through the ACA Marketplace’s website: HeathCare.gov.

Thanks to the ACA, you may be eligible for income-based premium subsidies called Advance Premium Tax Credits (APTC), which help reduce your monthly premiums.

Nearly nine out of 10 Indiana exchange enrollees were eligible for premium subsidies on 2025 plans, with an average monthly savings of about $427. People who receive these subsidies pay an average monthly premium of only $77, after the subsidies are applied.⁴

Source: CMS.gov¹⁵

Cost-sharing reductions (CSR) also reduce costs by helping lower your deductibles and out-of-pocket costs. CSR benefits are automatically built into all of the available Silver-level plans as long as your income isn’t more than 250% of the federal poverty level.⁵

The federal government used to reimburse insurers for the cost of providing CSR benefits, but that ended in 2017. Since then, insurers have been adding the cost of CSR to the premiums they charge. In most states, this cost is only added to Silver-plan rates, since CSR benefits are only available on Silver plans. But Indiana is one of only two states where insurers are required to spread the cost of CSR across premiums for plans at all metal levels (broad loading, as opposed to the silver loading approach taken in most states).¹⁶

Medicaid offers very affordable access to coverage and care for those who meet the eligibility criteria. Check out our guide on Medicaid in Indiana for more information.

Non-ACA-compliant short-term plans are also available if you don’t qualify for employer plans, Medicaid, Medicare, or subsidies from the exchange. Learn more about short-term health insurance in Indiana.

Five insurance companies will offer coverage through Indiana’s Marketplace for 2026,¹⁷ down from six in 2025. Aetna is exiting the market at the end of 2025, as is the case in all states where Aetna offers Marketplace coverage in 2025.

There have been various insurer changes in Indiana’s Marketplace in recent years, including:

• Aenta joined the Indiana Marketplace as of the 2024 plan year.¹⁸ (These policies will terminate at the end of 2025.)
• UnitedHealthcare Insurance Company joined the Marketplace as of the 2025 plan year.³
• Celtic stopped offering on-exchange plans as of the 2025 plan year, and now only offers plans outside the exchange. Everyone with an on-exchange Celtic plan in 2024 was mapped to a Coordinated Care plan unless they picked a different plan (Coordinated Care and Celtic are both owned by the same parent company, Centene¹⁹)
• U.S. Health & Life exited the individual market in Indiana at the end of 2024.

For 2026, the following average rate changes have been approved for the insurers that offer plans through Indiana’s Marketplace (before subsidies are applied).²⁰

Source: Indiana Department of Insurance and Indiana SERFF²⁰

According to the filings in SERFF, the five carriers that will continue to offer Marketplace plans in 2026 have the following number of individual market enrollees in 2025:²⁰

• Anthem: 97,312
• CareSource: 59,863
• Coordinate Care: 121,516
• Cigna: 8,614
• UnitedHealthcare: 1,225

Based on those enrollment numbers, the overall weighted average rate increase, before subsidies are applied, is about 26.5%.

Most Indiana residents who use the exchange receive financial assistance in the form of premium tax credits (premium subsidies), and thus do not pay full price.²¹

If you qualify for subsidies, the actual change in what you pay depends on how much your plan’s cost changes and how much financial assistance you receive from the government. For 2026, however, subsidies will shrink and be available to fewer people unless Congress extends the subsidy enhancements that are scheduled to expire at the end of 2025. In that case, the average net (after-subsidy) premium that Marketplace enrollees pay will increase considerably.

For perspective, here’s an overview of how full-price premiums have changed over the years in Indiana’s individual/family health insurance market:

• 2015: Average increase of 5%.²²
• 2016: Average increase of 0.7%.²³
• 2017: Average increase of 18.9%.²⁴
• 2018: Average increase of 24%.²⁵
• 2019: Average increase of 2.6%.²⁶
• 2020: Average increase of 13.5%.²⁷
• 2021: Average increase of 10.5%.²⁸
• 2022: Average decrease of 1.7%.²⁹
• 2023: Average increase of 5.7%.³⁰
• 2024: Average increase of 2.1%.³¹
• 2025: Average decrease of 1.3%.³²

During the open enrollment period for 2025 coverage, a record high 359,240 people enrolled in private individual market health plans through the Indiana Marketplace.⁴ (See chart below for historical enrollment numbers).

Enrollment has been growing since 2021, partly due to the subsidy enhancements created by the American Rescue Plan and Inflation Reduction Act.

The enrollment growth in 2024 and 2025 was also due to the “unwinding” of the pandemic-era Medicaid continuous coverage. As of June 2024, more than 479,000 Indiana residents had been disenrolled from Medicaid.³³ And CMS reported that by April 2024, more than 125,000 of those people had transitioned to a Marketplace plan.³⁴

Source: 2014,³⁵ 2015,³⁶ 2016,³⁷ 2017,³⁸ 2018,³⁹ 2019,⁴⁰ 2020,⁴¹ 2021,⁴² 2022,⁴³ 2023,⁴⁴ 2024,⁴⁵ 2025⁴

HealthCare.gov
800-318-2596

Indiana Department of Insurance
Oversees and licenses health insurance companies, brokers, and agents who sell insurance plans. It can be a valuable source for Indiana residents with questions or complaints about their health coverage.

Affiliated Service Providers of Indiana, Inc. (ASPIN)
A Navigator organization funded by the federal government, serving Indiana. They can assist with questions and help people enroll in Medicaid or a private insurance plan through the exchange.

Indiana State Health Insurance Assistance Information Program (SHIP)
This local service offers guidance and information to Medicare beneficiaries and their caregivers.