Private and individual health plans in Indiana

Guaranteed-issue ACA coverage

For 2027 individual ACA plans in Indiana, coverage is guaranteed issue regardless of health history, and there is no pre-existing condition waiting period on those ACA plans. You generally must enroll during Open Enrollment or a Special Enrollment Period. You also have to live in the plan’s approved geographic area — many networks are county- or ZIP-specific.

Source: CMS Health Insurance Exchange Public Use Files, Plan Attributes, plan year 2027.

Metal levels, in plain language

Marketplace and other ACA individual plans are grouped by actuarial value — a standard-population estimate of the share of essential health benefit costs the plan is designed to pay, not a promise about your household:

• Bronze — about 60%
• Silver — about 70%. Cost-sharing reductions, if you qualify, are generally tied to selecting a Silver plan on the Marketplace.
• Gold — about 80%
• Platinum — about 90%

Catastrophic plans are a separate category with narrower eligibility (typically under age 30, or a hardship or affordability exception). Lower monthly premiums usually mean higher deductibles, and the reverse.

Sources: HealthCare.gov plan categories; ACA section 1302(d).

What ACA plans must cover

Non-grandfathered individual and small-group plans must cover essential health benefits in these ten categories: ambulatory (outpatient) services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care. In-network preventive services required by the ACA are typically $0 when delivered as specified in the plan.

Sources: CMS, essential health benefits; HealthCare.gov glossary.

Network types you will see in Indiana

• HMO — Generally covers only in-network providers except in an emergency. You often select a primary care physician, and specialists may require a referral. You usually must live or work in the service area.
• EPO — Services are generally covered only in-network except in an emergency. Referral rules vary by plan.
• PPO — A contracted network with a lower cost for in-network care, and some coverage (usually at a higher cost) for out-of-network care. Balance billing may still apply out of network.
• POS — Typically an HMO-style plan with an out-of-network option at higher cost-sharing if you go outside the network.

Companies offering individual ACA plans in Indiana for 2027

Issuers that offered individual Marketplace (on-Exchange) medical plans in Indiana for plan year 2027, compiled from official sources cited on the Carriers page. A company may also sell off the Exchange. You must live in the plan’s approved service area. This agency is appointed with these issuers and with the other Indiana Marketplace/ACA issuers from plan years 2020–2027 listed on the Carriers page. An appointment does not mean every plan is available in every Indiana county or ZIP code.

• Ambetter Health
• AmeriHealth Caritas Next
• Anthem Blue Cross and Blue Shield
• UnitedHealthcare

confirm Marketplace plans at your ZIP code on HealthCare.gov.

We are appointed with these 2027 issuers and with the other Indiana Marketplace and ACA individual issuers from plan years 2020–2027 listed on Carriers we’re appointed with, along with the private PPO and other appointments named there. Availability still depends on your county and ZIP code.

What a quote actually depends on

Individual ACA premiums in Indiana may vary by age, tobacco use, plan, and rating area (tied to where you live). They cannot be based on your health status, medical history, or sex. We will not invent a statewide average premium on this page when an official average has not been cited.

Sources: HealthCare.gov, How insurance companies set health premiums.

Request a quote for your Indiana ZIP code