Health Insurance in Indiana: 2027 Marketplace, HIP & Subsidy Guide

Updated for the 2027 plan year (October 2026)

If you are shopping for health insurance, Indiana gives you two big shifts at once this fall. Marketplace prices are climbing again, and the Healthy Indiana Plan is changing who keeps coverage. If cost is your main worry, start with our affordable health insurance in Indiana guide. If you live in the state’s two biggest metros, our local pages for Indianapolis and Fort Wayne cover hospitals, clinics, and in-person help near you.

Health insurance Indiana 2027: at a glance

For individual health insurance, Indiana does not run its own exchange, so every individual and family plan with subsidies goes through HealthCare.gov. The state did expand Medicaid, through its own program called the Healthy Indiana Plan. About 7.5% of Hoosiers had no health insurance in 2024, slightly above the 2023 rate, according to the U.S. Census Bureau’s American Community Survey.

How and when to enroll in Indiana

Open Enrollment for 2027 Indiana Marketplace coverage runs November 1, 2026 through January 15, 2027. Pick a plan by December 15, 2026 and coverage starts January 1, 2027. Pick one between December 16 and January 15 and it starts February 1. See our Open Enrollment 2027 guide for the full calendar.

To buy health insurance, Indiana residents can enroll on HealthCare.gov themselves, with a state-certified Indiana Navigator, or through a licensed agency such as Honesty that connects to the same federal system, the same plans, and the same subsidy math. There is no separate “Indiana exchange” price.

Treat December 15 as your real deadline. A federal court blocked a rule that would have shortened this season, and CMS confirmed the January 15 end date, but waiting until January means a month without coverage and less time to fix problems.

Missed the window? A move, a lost job-based plan, a new baby, marriage, or losing HIP can open a Special Enrollment Period, usually for 60 days after the event.

Healthy Indiana Plan (HIP) and the 2027 work requirement

The Healthy Indiana Plan is Indiana’s version of Medicaid expansion. It covers Hoosiers ages 19 to 64 with income up to about 138% of the federal poverty level, which is about $22,025 a year for one person under the 2026 guidelines. You apply through the FSSA Benefits Portal, by phone at 1-877-GET-HIP-9, or at a local Division of Family Resources office.

The big 2027 change is a work requirement. Starting January 1, 2027, HIP members who are not exempt must complete 80 hours a month of work, job training, part-time school, or community service, and they can combine activities, according to the Indiana Family and Social Services Administration. Half-time enrollment in an eligible school program also counts, as does earning above a set monthly income level.

Indiana also uses a three-month lookback. Someone applying in January 2027 must show they met the requirement in October, November, and December 2026. FSSA reviews compliance quarterly, using wage and program data first and asking for documents when it cannot verify electronically.

Exemptions can apply for pregnancy, caregiving, medical frailty, substance-use treatment, and recent release from incarceration. Keep your contact information current in the Benefits Portal so FSSA can verify an exemption before it acts.

If your income is above the HIP limit, the Marketplace is your path, and subsidies start right where HIP ends. If it is close to the line, compare both: a raise or a new job can move you from one program to the other mid-year.

Coverage for kids and pregnancy: Hoosier Healthwise

Hoosier Healthwise covers children up to age 19 and pregnant Hoosiers for medical, dental, mental health, prescription, and hospital care at little or no cost. Indiana’s Children’s Health Insurance Program (CHIP) sits inside Hoosier Healthwise as Package C, for kids in families with somewhat higher incomes.

CHIP families pay a low monthly premium and some copays, based on income, according to Indiana Medicaid. This matters for mixed households: parents may be on a Marketplace plan or HIP while children are on Hoosier Healthwise. One application through the Benefits Portal or HealthCare.gov can screen everyone.

Which insurers sell Indiana Marketplace plans in 2027

For 2027 individual health insurance, Indiana has four insurers with plans approved for HealthCare.gov, according to the Indiana Department of Insurance’s 2027 rate filings summary. Coverage depends heavily on your county, so the list in your ZIP code may be shorter.

• Coordinated Care Corporation (Ambetter): all 92 counties.
• Anthem Insurance Companies: 85 counties.
• UnitedHealthcare: 36 counties, up from 5 in 2026.
• AmeriHealth Caritas Indiana: new for 2027, in 7 counties.

Leaving: Cigna and CareSource will not offer Indiana Marketplace plans for 2027. If you had either one, you must pick a new plan. HealthCare.gov may move you automatically, but an automatic match rarely fits your doctors and drugs as well as a plan you choose.

IDOI reports an approved average rate increase of 17.5% for 2027 individual Marketplace plans, down from the 19.7% insurers requested. Averages hide a wide range by insurer and plan, which is why shopping matters more than renewing.

2027 subsidies for Hoosiers

For subsidized health insurance, Indiana households still get premium tax credits in 2027, but they are smaller than in 2021–2025. The enhanced credits expired on December 31, 2025. That means the 400% FPL “subsidy cliff” is back: above about $63,840 for one person or $132,000 for a family of four, there is no premium tax credit.

Below the cliff, the subsidy caps what you pay for the benchmark silver plan at a share of income. For 2027 that share runs from 2.15% at the low end to 10.22% for incomes between 300% and 400% FPL, under IRS Rev. Proc. 2026-26. Silver plans also carry extra cost-sharing reductions if you earn up to 250% FPL.

Last year was a shock for many households. KFF found subsidized enrollees’ net premium payments more than doubled on average in 2026, and insurers nationwide proposed a median 15% increase for 2027. Our 2027 subsidy guide walks through the math, and the IRS premium tax credit basics explain reconciliation.

One more change for 2027: only certain immigration statuses, such as green card holders, Cuban and Haitian entrants, and COFA migrants, still qualify for Marketplace savings, per HealthCare.gov.

How to choose an Indiana plan

Choose by network first, then total yearly cost, not premium alone. With health insurance, Indiana shoppers often find the same metal level can come with very different hospital networks depending on the insurer and county. Check that your doctors, your nearest hospital, and your prescriptions are in the plan before you look at price.

• Bronze pays about 60% of covered costs: lowest premium, highest deductibles.
• Silver pays about 70%, and it is the only tier with cost-sharing reductions up to 250% FPL.
• Gold pays about 80%: a fit for regular prescriptions or a planned surgery.
• Catastrophic plans are for people under 30 or with a hardship exemption.

The 2027 out-of-pocket maximum is $12,000 for one person and $24,000 for a family. Your plan’s own limit can be lower. Our how to choose a health plan guide has a step-by-step checklist, and the health insurance Marketplace explainer covers how HealthCare.gov works.

Honesty compares ACA plans alongside alternative and ancillary coverage, such as dental and vision, so you see the full picture for your family’s needs.

Free help: Indiana Navigators and the Department of Insurance

When you need in-person help with health insurance, Indiana certifies its own enrollment helpers. Indiana Navigators must be certified by the Department of Insurance and can help with HealthCare.gov applications and with HIP, Hoosier Healthwise, and other state coverage programs. You can find one with the IDOI Indiana Navigators page or the federal local help finder.

For a claim denial, a billing dispute, or a question about an agent, the IDOI Consumer Services line is 800-622-4461. Hospital bill help and sliding-fee clinics vary by city; our Indianapolis and Fort Wayne pages list verified local options.

Honesty® Insurance Services, LLC (NPN 21094885) is a private agency licensed in Indiana and 48 other states plus DC. It is not a government agency. Every page is reviewed by a licensed agent.

Frequently asked questions

Keep learning: compare costs in affordable health insurance in Indiana, see local guides for Indianapolis and Fort Wayne, and review Open Enrollment 2027 and 2027 subsidies.