Health Insurance Companies Indiana Marketplace Options

Indiana has a robust health insurance marketplace with several options to choose from.

Some of the top health insurance companies in Indiana include Anthem, UnitedHealthcare, and Humana.

These companies offer a range of plans, including bronze, silver, gold, and platinum levels of coverage.

The bronze level is the most affordable option, but it also has the highest deductible.

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There are six insurance companies that provide individual and family plans for 2024 through the exchange in Indiana, including Aetna Health.

These companies offer a range of plans that cater to different budgets and needs, but it's essential to consider factors like copayments, deductibles, and quality of care when making a decision.

For 2025, UnitedHealthcare Insurance Company will be joining the market in Indiana, providing more options for consumers.

Celtic, on the other hand, will no longer offer on-exchange plans in 2025, but will continue to offer plans outside the exchange.

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U.S. Health & Life is exiting the individual market in Indiana at the end of 2024, which means consumers will have fewer options for 2025.

If you're looking for the top health insurance companies in Indiana, you can consider the six insurers that offer plans through the exchange, including Aetna Health and UnitedHealthcare Insurance Company.

Here's a list of the six insurance companies that offer individual and family plans for 2025 in Indiana:

You can buy individual and family health insurance through Indiana's Marketplace if you live in the state, are lawfully present in the US, don't have Medicare, and aren't incarcerated.

To qualify for financial assistance, such as premium subsidies and cost-sharing reductions, your household income will be taken into account. You must also not have access to affordable coverage through an employer and not be eligible for Medicaid or CHIP/Hoosier Healthwise.

Six insurance companies provide individual and family plans for 2024 through the exchange in Indiana, including Aetna Health, which is new to the market. UnitedHealthcare Insurance Company is joining the market in 2025.

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A record high of 295,772 people enrolled in private individual market health plans through the Indiana Marketplace during the open enrollment period for 2024 coverage. This was partly due to the subsidy enhancements created by the American Rescue Plan and Inflation Reduction Act.

To talk to a licensed insurance agent about UnitedHealthcare Individual & Family ACA Marketplace plans in Indiana, call 1-866-593-3299/TTY 711.

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Six insurance companies offer individual and family plans through the exchange in Indiana, including Aetna Health, which is new to Indiana's Health Insurance Marketplace.

For 2025, UnitedHealthcare Insurance Company is joining the market in Indiana, and will offer plans through the Marketplace, while Celtic will no longer offer on-exchange plans and U.S. Health & Life will exit the individual market.

You have several options to choose from, including UnitedHealthcare, Humana, Ambetter, and Aetna Health, which all offer a variety of health insurance plans, including HMO, PPO, and POS plans.

Here are some of the insurance providers in Indiana:

Insurance providers offer a wide range of coverage options, including health, auto, home, and life insurance.

If you're looking for a provider that offers affordable rates, consider providers that specialize in high-risk coverage, such as those with pre-existing medical conditions.

Some insurance providers offer discounts for bundling multiple policies, which can save you up to 20% on your premiums.

What types of insurance policies do insurance providers typically offer? Most providers offer health, auto, home, and life insurance, as well as additional coverage options like disability and long-term care insurance.

Insurance providers often have varying levels of customer support, with some offering 24/7 phone support and others offering online chat and email support.

Some insurance providers have a reputation for being more customer-friendly than others, with higher customer satisfaction ratings and more flexible payment options.

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If you're looking for health insurance through the Indiana Marketplace, you'll need to meet certain eligibility requirements. You can buy individual or family health insurance from Indiana's Marketplace if you live in Indiana, are lawfully present in the U.S., don't have Medicare, and aren't incarcerated.

A record 295,772 people enrolled in private individual market health plans through the Indiana Marketplace during the 2024 open enrollment period. This was a significant increase from previous years, partly due to the subsidy enhancements created by the American Rescue Plan and Inflation Reduction Act.

To qualify for financial assistance, such as premium subsidies and cost-sharing reductions, you must meet additional requirements. These include not having access to affordable coverage via an employer, not being eligible for Medicaid or CHIP/Hoosier Healthwise, and not being eligible for premium-free Medicare Part A.

Not everyone can buy Marketplace health insurance. To be eligible, you must not be claimed by someone else as a tax dependent and must file a joint tax return with your spouse, if you're married.

Here are the key eligibility requirements summarized:

UnitedCare is a popular health insurance option in Indiana, offering a variety of plans including HMO, PPO, and POS plans.

UnitedCare has a large network of doctors and hospitals in Indiana, committed to providing quality care to its customers.

You can call 1-866-593-3299/TTY 711 to talk to a licensed insurance agent and learn more about their plans.

UnitedCare is also a leader in innovation, offering online and mobile tools that make it easy for members to manage their healthcare.

Here's a brief overview of the plans offered by UnitedCare:

UnitedCare is committed to providing quality care to its customers, with a focus on innovation and customer support.

Dental insurance is a smart addition to your health coverage, especially if you're looking to improve your smile.

Indiana offers various dental coverage options, which can be explored through guides and resources.

If you have a preferred dentist, Indiana Health Insurance Brokers can help you find coverage that allows you to continue seeing them.

You can also get help finding a new dentist if you don't have one, as they can walk you through available options in your area.

Dental insurance can support your clients' needs, which is why Indiana Health Insurance Brokers offers this type of coverage.

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If you're looking for vision insurance in Indiana, you've got options. Indiana Health Insurance Brokers can help you find the best vision insurance plans to fit your life.

Vision insurance plans underwritten by Golden Rule Insurance Company have no age limit restrictions, so you can get covered regardless of your age.

With vision insurance, you can get coverage for the vision services many medical insurance plans don't include.

You can find affordable health insurance in Indiana through the ACA Marketplace's website, HeathCare.gov, where nearly nine out of 10 Indiana exchange enrollees were eligible for premium subsidies on 2024 plans, with an average monthly savings of about $452.

To determine the level of coverage you need, consider whether you require comprehensive coverage for everything from routine doctor's visits to hospital stays, or just basic coverage for doctor's visits and prescriptions.

You may be eligible for income-based premium subsidies called Advance Premium Tax Credits (APTC), which help reduce your monthly premiums, and cost-sharing reductions (CSR) can also reduce costs by helping lower your deductibles and out-of-pocket costs.

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In Indiana, insurers are required to spread the cost of CSR across premiums for plans at all metal levels, which is not the case in most states. This means you'll have more options for CSR benefits.

Short-term plans are also available as a cost-effective option if you don't qualify for employer plans, Medicaid, Medicare, or subsidies from the exchange.

Here are the different plan levels and features available in Indiana:

Medicaid offers very affordable access to coverage and care for those who meet the eligibility criteria, and Medicare plans are also available for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.

Affordability is a top concern for many people when it comes to health insurance. In Indiana, you can find affordable health plans through the ACA Marketplace's website, HeathCare.gov.

Nearly nine out of 10 Indiana exchange enrollees were eligible for premium subsidies on 2024 plans, with an average monthly savings of about $452. This means that people who receive these subsidies pay an average monthly premium of only $82, after the subsidies are applied.

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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.

Insurers can only account for five factors when determining premiums: age, location, tobacco use, individual vs. family enrollment, and plan category. States can limit how much impact these factors have on insurance rates, but insurers can't charge women and men different prices for the same plan.

Here's a breakdown of the factors that affect health insurance premiums:

The government website, HealthCare.gov, noted that insurance companies can't take your current health or medical history into account when calculating premiums. This means that you can't be charged more for pre-existing conditions.

You can sign up for an ACA-compliant individual and family health plan in Indiana during the annual open enrollment period, which runs from November 1 through January 15. If you sign up by December 15, your coverage starts on January 1, while enrollments between December 16 and January 15 begin on February 1.

You can also enroll in an ACA Marketplace health plan through a special enrollment period (SEP) if you experience a qualifying life event, such as losing your job or getting married. However, some people can enroll at any time, including those who are eligible for premium tax credits and have an income no more than 150% of the poverty level, Native Americans, and those who lose Medicaid or CHIP between March 31, 2023, and November 30, 2024.

If you're struggling to find the right plan, there are resources available to help. You can call a licensed insurance agent at 1-866-593-3299 (TTY 711) for UnitedHealthcare Individual & Family ACA Marketplace plans, or reach out to Cigna Healthcare's 24/7/365 Customer Service for assistance with your plan.

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You can enroll in an ACA-compliant plan in Indiana during the annual open enrollment period, which runs from November 1 through January 15. If you sign up by December 15, your coverage starts on January 1, while enrollment between December 16 and January 15 begins on February 1.

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). You can qualify for a SEP with a qualifying life event, but there are some exceptions.

You can enroll at any time if you're eligible for premium tax credits and your income is no more than 150% of the poverty level, or if you're a Native American. Additionally, if you lose Medicaid or CHIP between March 31, 2023, and November 30, 2024, you can use the extended SEP to enroll at any time during that window.

A record high of 295,772 people enrolled in private individual market health plans through the Indiana Marketplace during the 2024 open enrollment period. This represents a significant growth in enrollment since 2021, partly due to subsidy enhancements and the "unwinding" of pandemic-era Medicaid continuous coverage.

To be eligible for Marketplace health insurance, you must live in Indiana, be lawfully present in the U.S., not have Medicare, and not be incarcerated. You must also meet certain income and financial assistance requirements, such as not having access to affordable coverage via an employer or being eligible for Medicaid or CHIP/Hoosier Healthwise.

You can contact a licensed insurance agent at 1-866-593-3299 (TTY 711) to discuss UnitedHealthcare Individual & Family ACA Marketplace plans in Indiana. Many individuals and families are now eligible for lower or $0 monthly premiums for ACA Marketplace health coverage due to recent legislation.

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You'll never be alone in navigating your insurance plan, thanks to Cigna Healthcare's 24/7/365 Customer Service. With just a call, you can get help with using your plan or finding in-network doctors.

Cigna's customer service is available around the clock, so whether you're experiencing a critical situation or just have a simple question, someone will be there to assist you. You can speak to a licensed clinician 24 hours a day if you have a health question.

You can also reach out to Cigna's specialty pharmacists at their Therapeutic Resource Centers for personalized guidance on managing specific conditions. And if you need help navigating the healthcare system, My Personal Champion is there to support you.

Whether you're dealing with a minor issue or a major health concern, Cigna's customer service is always available to help. You can count on them to be by your side every step of the way.

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You can sign up for ACA-compliant individual and family health plans in Indiana during the annual open enrollment period, which runs from November 1 through January 15.

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.

You may still be able to sign up for or make changes to an ACA Marketplace health plan through a special enrollment period (SEP) if you have a qualifying life event. However, there are some exceptions where you can enroll at any time, including if you're eligible for premium tax credits and your income is no more than 150% of the poverty level, or if you're a Native American.

In 2024, a record high of 295,772 people enrolled in private individual market health plans through the Indiana Marketplace, partly due to subsidy enhancements and the "unwinding" of the pandemic-era Medicaid continuous coverage.

Medicare coverage is available in various forms, including Medicare Advantage and Medigap coverage.

Medicare Advantage plans offer an alternative to Original Medicare, and they're available in Indiana.

Medigap coverage is also available in Indiana, and it can help fill the gaps in Original Medicare coverage.

To enroll in Medicare, you must be 65 or older, or you may qualify if you have a disability or another special situation.

Medicare plans are designed for individuals who meet certain eligibility requirements, such as age or disability status.

If you're eligible, you can enroll in Medicare during certain enrollment periods, including the Initial Enrollment Period and the Annual Enrollment Period.

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If you're looking to enroll in a Medicare or ACA-compliant plan in Indiana, you'll need to meet certain eligibility requirements.

In Indiana, you can enroll in an ACA-compliant individual and family health plan during the annual open enrollment period, which runs from November 1 through January 15.

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To qualify for a special enrollment period (SEP), you'll generally need a qualifying life event. However, there are some exceptions, including if you're eligible for premium tax credits and your income is no more than 150% of the poverty level, or if you're a Native American.

You can also apply for a SEP if you lose Medicaid or CHIP between March 31, 2023 and November 30, 2024.

Some people are eligible to enroll in an ACA-compliant plan at any time, including those who are eligible for premium tax credits and have an income of no more than 150% of the poverty level, and Native Americans.

Note: The federal government has proposed making this a permanent SEP opportunity.

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