Affordable Indiana health insurance

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Indiana health insurance exchange

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Indiana health insurance exchange

By contributor
July 24, 2014

The open enrollment period to purchase health insurance for 2014 through the marketplace has ended. People who get married or divorced, change jobs, have a child or experience another qualifying event may be eligible for a special enrollment period. Enrollment for Medicaid and the Children’s Health Insurance Program (CHIP) continues throughout the year. Individuals who don’t have health insurance that provides “minimum essential coverage” may have to pay a penalty: $95 or one percent of income, whichever is greater.

Open enrollment for 2015 coverage through the marketplace begins Nov. 15.

Enrollment in qualified health plans (QHPs) more than doubled between March 1 and the end of the 2014 open enrollment period, climbing from about 65,000 to 132,423. In addition to those who signed up for QHPs, 95,495 people qualified for Medicaid or the Children’s Health Insurance Program (CHIP). To date, Indiana has not expanded its Medicaid program; these individuals qualified under existing eligibility rules.

Indiana is among the 26 states that opted to use the federal health insurance marketplace, 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.

So far, Indiana has rejected expanding Medicaid. Indiana did receive a federal waiver to continue its Healthy Indiana Plan through 2014. The Healthy Indiana Plan is a state insurance program in which 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. The waiting list for the Healthy Indiana Plan currently stands at 52,000 people.

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 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 waiver plan is undergoing a period of public hearings and comments. In late June, the final waiver proposal will be submitted to the federal government.

Indiana health insurance exchange links

Affordable Care Act Resources on

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 /

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Indiana Governor Mike Pence
200 W. Washington St., Rm. 206,
Indianapolis, IN 46204
PHONE: 317-232-4567
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Contact your Indiana State Senator and State Representative