Indiana Health Insurance

Indiana health insurance rates and coverage can vary based on many factors including age, sex, lifestyle habits and more. Finding affordable health care insurance in Indiana may seem like a daunting task but at Go Health we will you find your way through the maze.

We are here to help you find helpful information for health insurance in Indiana to meet your needs and the health insurance needs of your family.

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Resources on this page

Indiana Health Insurance Laws and Regulations

Public Health Insurance Programs for Indiana Residents

Indiana Health Insurance High Risk Pools

Indiana Health Insurance Companies

Contact Info for the Indiana Department of Insurance and Public Health

Indiana Health Insurance Stats

Indiana Residents: 6,367,900
Median Annual Household Income: $46,166
Indiana Health Care Expenditures (in millions): $42,780
Indiana Health Insurance Coverage based on Total Population (%):

  • Employer: 52%
  • Individual: 3%
  • Medicaid: 17%
  • Medicare: 14%
  • Uninsured: 13%
Avg. Annual Employee Premium in Indiana employer-sponsored plan (after employer contrib.): $1,037
Avg. Monthly Indiana Individual Premiums: $214
Total Indiana HMO Enrollment: 1,085,603

Indiana Health Insurance Laws and Regulations

Indiana health insurance law allows insurance companies to require applicants to provide information about their health history and current health conditions. From there, insurance companies can set monthly premiums as they see fit or decline the application.

For residents who have been turned down for coverage because of a pre-existing health condition, they can get coverage through the Indiana health insurance high-risk pool, the Indiana Comprehensive Health Insurance Association (ICHIA). To learn more about ICHIA, visit this informational website.

But once a person is accepted into a plan, Indiana health insurance companies are not allowed to cancel coverage because the policyholder becomes sick or gets injured also known as guaranteed renewability.

State law also requires all Indiana health insurance plans to cover certain medical services, including:

  • Screening for breast, colorectal, and prostate cancer
  • Continuity of care for pregnant women
  • Diabetic supplies and care

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Indiana Public Health Insurance Programs

There are a few public Indiana health insurance programs to help low-income residents get health coverage:

  • Medicaid
    In Indiana, residents who are blind or disabled can get health insurance coverage through this state and federally funded program. Low-income families, children and pregnant women can receive coverage through the managed care Indiana Medicaid program, Hoosier Healthwise. To learn more about Indiana Medicaid and Hoosier Healthwise, visit
  • Indiana Breast and Cervical Cancer Early Detection Program
    This state and federal program gives low-income women access to free screening for breast and cervical cancer, along with full health coverage through Medicaid if diagnosed. For more information about this Indiana health insurance program, click here.
  • Rx For Indiana
    This state program gives low-income residents access to discounted prescription drugs. To learn more about the Rx for Indiana, visit

  • Indiana Medicare
    Seniors looking for Indiana health insurance can get coverage through Medicare Advantage, Supplement and Original Medicare.

Certain trade workers and early retirees in Indiana qualify for the Federal Health Coverage Tax Credit, which pays 65 percent of health plan premiums. Visit the Internal Revenue Service (IRS) online to learn more about this benefit.

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Indiana Health Insurance High Risk Pools

The Patient Protection and Affordable Care Act established nationwide high risk pools to provide health insurance coverage for people with pre-existing conditions.

The Pre-Existing Condition Insurance Plan (PCIP) in Indiana will run similar to regular Indiana health insurance plans and require enrollees to pay monthly premiums and out-of-pocket costs.

Indiana residents with PCIP will pay around the same amount that an individual without a medical condition pays for health insurance. The estimated monthly premium costs for Indiana residents are $310 for ages 0 to 34; $372 for ages 35 to 44; $476 for ages 45 to 54; $662 for ages 55 and older. The yearly deductible that must be met before health insurance coverage kicks in is set at $2,500 and annual out-of-pocket limits are $5,950.

Individuals with medical conditions will have health insurance coverage for prescription drugs, emergency services, doctor and hospital visits and more.

Indiana residents are eligible if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.

For more information on the Indiana health insurance high risk pools visit

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The following list of companies offer Indiana health insurance plans:

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.

Get Aetna Health Insurance in Indiana

Anthem Blue Cross and Blue Shield of Indiana Health Insurance

In Indiana, Anthem Blue Cross and Blue Shield offer residents affordable and comprehensive health insurance options. They also give members access to an extensive network of health care providers.

Get Anthem Blue Cross and Blue Shield of Indiana Health Insurance in Indiana

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Get Assurant Health Health Insurance in Indiana

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Get Celtic Health Insurance in Indiana

Consumers Life Company Health Insurance

Consumers Life is part of Medical Mutual of Ohio, who has over 1.5 million members nationwide. Their diverse portfolio of health plans includes coverage for individuals, families, and businesses.

Get Consumers Life Company Health Insurance in Indiana

Great American Health Insurance

Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.

Get Great American Health Insurance in Indiana

Humana Health Insurance

Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.

Get Humana Health Insurance in Indiana

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.

Get John Alden Health Insurance in Indiana

Physicians Health Plan of Northern Indiana Health Insurance

Physicians Health Plan of Northern Indiana is the largest of its kind, soley serving residents of Northern Indiana for over 25 years and provides members access to more than 2,000 health care providers.

Get Physicians Health Plan of Northern Indiana Health Insurance in Indiana

Standard Security Life Health Insurance

Started in 1978, IAC offers management services to large companies who self-insure.

Get Standard Security Life Health Insurance in Indiana

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Get Time Insurance Health Insurance in Indiana

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

Get Time Short Term Health Insurance in Indiana

United Security Life Health Insurance

United Security Life squarely focuses their products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.

Get United Security Life Health Insurance in Indiana

UnitedHealthOne Health Insurance

Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.

Get UnitedHealthOne Health Insurance in Indiana

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Get WorldIns ExpressMed Health Insurance in Indiana

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Indiana Department of Insurance and Public Health

Find the contact information for the Indiana health insurance and health departments at:

Indiana Department of Insurance
311 West Washington Street, Suite 300
Indianapolis, IN 46204
Phone: (800) 622-4461

Indiana State Department of Health
2 N Meridian St
Indianapolis, IN 46204
Phone: (317) 233-1325

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