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Indiana health insurance exchange

Hoosiers get more options in 2015

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When 2015 open enrollment begins Nov. 15, Indiana residents will have more choices: more insurers are offering more plans. The number of insurers is tripling from three in 2014 to nine in 2015, and the number of available plans is jumping from 278 to 975. It’s important to note these are statewide totals — not all plans are available in all counties.

2015 premiums will rise about five percent on average, according to an Indiana Department of Insurance representative. The predicted increase is much more modest than in the years leading up to the passage of the Affordable Care Act.

If you need coverage right now, you may be able to get health insurance coverage yet this year. If you’ve had a qualifying event, like getting married or changing jobs, you may be eligible for a special enrollment period to purchase a qualified health plan (QHP) through the marketplace. If you meet eligibility criteria, you can enroll anytime throughout the year in Indiana’s Medicaid program or Children’s Health Insurance Program (CHIP).

Indiana is among the 26 states that opted to use the federal health insurance marketplace, HealthCare.gov. While former Gov. Mitch Daniels was a critic of the Affordable Care Act, he refrained from making a final decision about the state’s marketplace and asked the three gubernatorial candidates for their opinions. Following the election, then Gov.-elect Mike Pence weighed in and rejected both the state-run and partnership models.

During 2014 open enrollment, 132,423 Hoosiers signed up for qualified health plans, according to federal government reports. Eighty-nine percent qualified for financial assistance. In addition, 95,495 people qualified for Medicaid or the Children’s Health Insurance Program (CHIP) under existing eligibility rules (i.e., not through Medicaid expansion).

While Indiana did not expand Medicaid through the ACA in 2014, the state did receive a federal waiver to continue its Healthy Indiana Plan, which is a health insurance program for uninsured adults with income at or below the federal poverty level. Participants help pay the first $1,100 of care. However, the program doesn’t cover as much as Medicaid does, and there is a limit on the number of people that can be covered. As of late August, the Healthy Indiana Plan was closed to new enrollment.

In May, Gov. Pence announced a plan to seek another waiver that would effectively expand Medicaid through the Healthy Indiana Plan. Pence’s plan, according to a Washington Post article, would remove Healthy Indiana’s enrollment caps and open the program to those making less than 138 percent of the federal poverty level (FPL). The modified Healthy Indiana Plan —called HIP 2.0 — would have two levels of coverage. Those earning less than FPL could make modest monthly contributions or be enrolled in a limited plan that doesn’t include vision or dental. Those with earnings above the FPL would have to make monthly contributions or be locked out of the program for six months. The federal government rejected the state’s first proposal, and a second proposal is pending.

Indiana health insurance exchange links

HealthCare.gov
800-318-2596

Affordable Care Act Resources on IN.gov

State Exchange Profile: Indiana
The Henry J. Kaiser Family Foundation overview of Indiana’s progress toward creating a state health insurance exchange.

Indiana Department of Insurance
Assists consumers who have purchased insurance on the individual market or who have insurance through an employer who only does business in Indiana.
(800) 622-4461 / idoi@idoi.in.gov