Indiana Health Insurance Guide

Health Insurance Overview in Indiana

Indiana expanded Medicaid through the Healthy Indiana Plan (HIP 2.0) — a waiver-based expansion that includes personal wellness accounts and certain cost-sharing requirements. Indiana uses the federal HealthCare.gov marketplace. The state's Medicaid expansion approach has been influential as a model for conservative-leaning states seeking to expand coverage with different program structures.

Average Health Insurance Costs in Indiana

Marketplace Enrollment in Indiana

Indiana residents can enroll in individual and family health insurance plans through HealthCare.gov (Federal). Open enrollment runs November 1 – January 15 (federal marketplace).

Average Premiums by City in Indiana

Medicaid in Indiana

Healthy Indiana Plan (HIP) covers adults with incomes up to 138% of the federal poverty level. The program includes personal wellness accounts and certain participation requirements.

Children's Health Insurance (CHIP) in Indiana

Hoosier Healthwise covers children under 19 in families with incomes up to 250% of the federal poverty level.

What Makes Indiana Unique

The Healthy Indiana Plan (HIP) is Indiana's waiver-based Medicaid expansion that includes member health savings accounts (POWER accounts) and requires enrollees to make small monthly contributions. Indiana's approach was the first waiver-based Medicaid expansion approved by the federal government and has influenced other states' expansion models.

ACA Subsidies: What Indiana Residents Should Know

The enhanced subsidies first enacted in the American Rescue Plan expired at the end of 2025. For 2026, premium tax credits follow the original ACA rules: there is no credit above 400% (the “subsidy cliff”), and enrollees are expected to pay up to 9.96% of income toward the benchmark Silver plan. House in January 2026 but has not become law, so 2027 plans are being priced and subsidized under the same rules unless Congress acts.

CareSource and Cigna Are Leaving Indiana’s Marketplace for 2027

Indiana’s HealthCare.gov lineup changes for 2027. CareSource and Cigna are exiting, AmeriHealth Caritas is joining, and Anthem, Coordinated Care (Ambetter), and UnitedHealthcare continue. Insurers proposed a weighted average increase of about 19.3% before subsidies, after a 26.5% average full-price increase for 2026.

If you’re with CareSource or Cigna, HealthCare.gov may move you into a similar plan if you do nothing — but networks and drug lists differ, so pick your own plan during open enrollment. Open enrollment for 2027 runs November 1, 2026 through January 15, 2027; enroll by December 15 for coverage starting January 1.

What Hoosiers Actually Paid in 2026

About 300,000 Hoosiers enrolled for 2026, and roughly 8 in 10 received premium assistance, averaging about $481 a month, for an average net premium of about $137 a month. Full-price increases matter most to people above 400% FPL, who no longer receive any credit after the enhanced subsidies expired.

Starting with the 2026 tax year, there is no cap on repaying excess advance credits. If your income rises during the year and you don’t update HealthCare.gov, you may owe back the full difference at tax time. Report raises, new jobs, and household changes as they happen.

HIP and the Federal Medicaid Changes Coming in 2027

The Healthy Indiana Plan (HIP) is how Indiana covers adults in the Medicaid expansion group. Federal law now adds requirements for that group nationally:

• Work or community engagement: beginning December 31, 2026, expansion adults aged 19–64 must document 80 hours a month of work, community service, or half-time education, unless exempt. States may receive a one-time extension to the end of 2028.
• Six-month redeterminations: from January 1, 2027, eligibility for expansion adults is rechecked every six months instead of annually.
• Cost-sharing of up to $35 per service for expansion adults above 100% FPL begins October 1, 2028.

Indiana also has a state law tied to the federal share of HIP funding: if the federal match falls below set levels, the state can unwind the program. HIP members whose income is near the top of the range should know their marketplace options in case Medicaid coverage ends — losing Medicaid is a qualifying event for special enrollment.

Tips for Choosing Health Insurance in Indiana

Indiana residents who qualify for HIP Medicaid should enroll — the program covers adults up to 138% of the federal poverty level. Those above Medicaid eligibility should check subsidy eligibility on HealthCare.gov. Indiana's HIP POWER accounts encourage healthcare engagement and healthy behaviors.

• Enroll during open enrollment (November 1 – January 15 (federal marketplace)) — missing the deadline means waiting until the next open enrollment unless you have a qualifying life event.

Frequently Asked Questions

Which insurers are on the Indiana marketplace for 2027?

CareSource and Cigna are exiting. Anthem, Coordinated Care (Ambetter), and UnitedHealthcare continue, and AmeriHealth Caritas is joining. Insurers proposed a weighted average increase of about 19.3% before subsidies.

When is open enrollment in Indiana for 2027?

November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage starting January 1.

Will HIP members have to work in 2027?

Federal law requires Medicaid expansion adults aged 19 to 64 to document 80 hours a month of work, community service, or half-time education beginning December 31, 2026, unless exempt, and eligibility will be rechecked every six months from January 2027.

Do I have to repay ACA subsidies if my income goes up?

Yes. Starting with the 2026 tax year there is no cap on repaying excess advance premium tax credits, so report income changes to HealthCare.gov during the year to avoid a large bill at tax time.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and program eligibility rules as of 2026. Health insurance premiums, Medicaid eligibility thresholds, marketplace options, and program rules change annually. Always verify current eligibility and enrollment options at the official HealthCare.gov (Federal) or by contacting a certified navigator or broker. Premium figures shown are approximations before subsidies — actual net premiums depend on individual income, household size, and plan selection.