Compare your Indiana coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Indiana residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Indiana is the first step toward a plan that fits.
Indiana uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.
Indiana has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment for Indiana plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Indiana residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
Indiana's Medicaid expansion program runs through the Healthy Indiana Plan's unusual HSA-style POWER account – and 2026-2027 bring the model's biggest changes since it launched. New work requirements take effect January 1, 2027, and the state has proposed a "HIP 3.0" waiver that would revive cost-sharing after a 2024 federal court ruling blocked Indiana's last attempt. Here's what's confirmed and what's still in motion.
Every HIP member has a POWER account designed to cover a member's first $2,500 in health care costs each year, per Indiana's Family and Social Services Administration (FSSA). Under HIP's rules, monthly contributions normally range from $1 to $20 depending on income, and members who spend less than their full balance can roll the difference over to lower the following year's payment. Important caveat: FSSA has suspended all POWER account contributions and copayments since 2020, and that pause remains in effect (see next item) – no HIP member is currently being billed a monthly POWER account payment. Source: in.gov/fssa/hip/about-hip/power-accounts
POWER account contributions and copays have been paused since the COVID-19 public health emergency began in 2020. A planned July 1, 2024 restart was called off after Chief Judge James Boasberg of the U.S. District Court for the District of Columbia vacated the federal government's 2020 approval of Indiana's 10-year HIP waiver on June 27, 2024 – just days before the restart was set to take effect. Cost-sharing has remained paused ever since. Source: indianapca.org, corroborated by Indiana Capital Chronicle and Mirror Indy reporting on the ruling.
FSSA is seeking a new 5-year federal waiver, informally called "HIP 3.0," targeting an Oct. 1, 2027 relaunch of cost-sharing pending federal approval. As proposed, it would replace monthly POWER account premiums with point-of-service copays capped at 5% of a member's family income, with a flat $35 emergency-room copay and reduced copays for members who complete preventive care. As of this writing the waiver has not yet been filed: FSSA held a 30-day public comment period from Aug. 5 to Sept. 4, 2026, and is targeting a Sept. 30, 2026 submission to CMS. Source: WTHI-TV, Aug. 11, 2026; comment window and filing target corroborated on FSSA's Public Notices page.
Starting Jan. 1, 2027, HIP members ages 19-64 who don't qualify for an exemption (including pregnancy, caregiving duties, medical frailty, or substance-use treatment) will need to complete 80 hours a month of work, school, job training, or community service to keep coverage. HIP enrollment has already declined, from about 671,000 members when Gov. Mike Braun signed the work-requirement law in April 2025 to roughly 487,000 by June 2026, according to FSSA data reported by Indiana Public Media. Source: ipm.org, July 7, 2026; start date and hours requirement corroborated on FSSA's HIP Work Requirements page.
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Learn MoreStarting January 1, 2027, Healthy Indiana Plan members ages 19-64 who don't qualify for an exemption (including pregnancy, caregiving duties, medical frailty, or substance-use treatment) will need to complete 80 hours a month of work, school, job training, or community service to keep coverage. HIP enrollment has already declined as the rules approach. We track these changes as they develop and help HIP members confirm their exemption status or find alternative coverage before the requirement takes effect.
Indiana uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Indiana has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for Indiana plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Indiana individuals, families, self-employed professionals, and small business owners across Indianapolis, Fort Wayne, Evansville, South Bend, and Carmel and statewide, matching each situation to the right coverage.
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