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.
The quotes are free and there’s no obligation, so please start your search today!
Not a resident of Indiana? You can search for health insurance by state.
Resources on this page
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. Monthly Indiana Individual Premiums: $214
Total Indiana HMO Enrollment: 1,085,603
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
There are a few public Indiana health insurance programs to help low-income residents get health coverage:
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 http://www.in.gov/fssa/ompp/2544.htm.
- 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 http://rxforindiana.org/.
- 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.
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 http://www.healthcare.gov/index.html.
The following list of companies offer Indiana health insurance plans:
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.
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.
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.
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
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.
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
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.
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.
Started in 1978, IAC offers management services to large companies who self-insure.
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
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.
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.
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Find the contact information for the Indiana health insurance and health departments at:
311 West Washington Street, Suite 300
Indianapolis, IN 46204
Phone: (800) 622-4461
2 N Meridian St
Indianapolis, IN 46204
Phone: (317) 233-1325