Health Insurance Plans in Indiana
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Indiana residents. Get a free quote from a licensed advisor today.
Find Indiana Health Plans
Compare plans in your area · Free · No obligation
Indiana Health Insurance at a Glance
Here's what you need to know about health coverage options in Indiana.
Indiana expanded Medicaid through its "Healthy Indiana Plan" (HIP 2.0), which requires small monthly contributions from enrollees. ACA marketplace plans serve those above 138% FPL.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
📍 ZIP Code Lookup
See what's available right where you live.
Loading…
ZIP details
Want a personalized quote with exact plan options and pricing for your ZIP code?
Get My Personalized Quote →ACA Marketplace Plans in Indiana
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Indiana Marketplace Works
Indiana residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Indiana
These insurance companies offer ACA marketplace plans in Indiana:
- Ambetter
- CareSource
- Anthem
- Cigna Healthcare
- UnitedHealthcare
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Indiana
Indiana has expanded Medicaid under the ACA.
Adults with household incomes up to 138% of the Federal Poverty Level (about $20,120 for an individual in 2026) may qualify for Medicaid. Those above this threshold should explore ACA marketplace plans, where premium tax credits can significantly reduce costs.
Check Your Eligibility →Short-Term Health Insurance in Indiana
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Indiana
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Indiana?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Indiana
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Indiana Health Insurance Questions
Indiana Insurance Resources
Indiana Department of Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
Indiana Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Indiana
Find health insurance information specific to your city in Indiana.
Indianapolis
Marion County · Pop. 887,642
Fort Wayne
Allen County · Pop. 263,886
Evansville
Vanderburgh County · Pop. 117,298
South Bend
St. Joseph County · Pop. 103,453
Indianapolis
Marion County · Pop. 876,384
Fort Wayne
Allen County · Pop. 253,691
Evansville
Vanderburgh County · Pop. 117,429
South Bend
Saint Joseph County · Pop. 101,168
Bloomington
Monroe County · Pop. 85,071
Gary
Lake County · Pop. 75,282
Muncie
Delaware County · Pop. 67,430
Carmel
Hamilton County · Pop. 92,034
Lafayette
Tippecanoe County · Pop. 73,974
Mishawaka
Saint Joseph County · Pop. 48,252
Kokomo
Howard County · Pop. 45,468
Terre Haute
Vigo County · Pop. 60,785
New Albany
Floyd County · Pop. 37,403
Anderson
Madison County · Pop. 56,641
Fishers
Hamilton County · Pop. 88,947
Greenfield
Hancock County · Pop. 21,510
Noblesville
Hamilton County · Pop. 63,255
Plainfield
Hendricks County · Pop. 33,135
Avon
Hendricks County · Pop. 26,066
Speedway
Marion County · Pop. 11,812
Health Insurance by County in Indiana
Find health insurance information for your county in Indiana.
Marion County
County Seat: Indianapolis · Pop. 979,776
Allen County
County Seat: Fort Wayne · Pop. 427,173
Vanderburgh County
County Seat: Evansville · Pop. 179,703
Saint Joseph County
County Seat: South Bend · Pop. 257,343
Monroe County
County Seat: Bloomington · Pop. 141,935
Lake County
County Seat: Gary · Pop. 496,005
Delaware County
County Seat: Muncie · Pop. 111,258
Hamilton County
County Seat: Noblesville · Pop. 341,173
Tippecanoe County
County Seat: Lafayette · Pop. 195,657
Howard County
County Seat: Kokomo · Pop. 82,109
Vigo County
County Seat: Terre Haute · Pop. 106,437
Floyd County
County Seat: New Albany · Pop. 77,139
Madison County
County Seat: Anderson · Pop. 110,427
Hancock County
County Seat: Greenfield · Pop. 72,449
Hendricks County
County Seat: Danville · Pop. 168,658
Adams County
County Seat: Decatur · Pop. 34,387
Cass County
County Seat: Logansport · Pop. 38,413
Clinton County
County Seat: Frankfort · Pop. 31,045
Decatur County
County Seat: Greensburg · Pop. 25,740
Dearborn County
County Seat: Lawrenceburg · Pop. 47,923
Fayette County
County Seat: Connersville · Pop. 23,450
Franklin County
County Seat: Brookville · Pop. 23,087
Fulton County
County Seat: Rochester · Pop. 20,424
Gibson County
County Seat: Princeton · Pop. 32,520
Grant County
County Seat: Marion · Pop. 66,189