Compare Indiana Health Insurance Quotes & Plans

We offer health insurance quotes and coverage in Indiana both on and off the exchange. You can compare individual, family, short term and small group plans direct from several carriers using our independent brokerage.

Our providers include:  Aetna, Ambetter, Anthem Blue Cross and Blue Shield, CareSource, Golden Rule, Humana and United Healthcare. We offer all plans direct  and can help you find the health coverage that best suits your needs and budget.

Open Enrollment runs from November 1st through December 15th each year. If you are outside of this open enrollment window, you need a qualifying life event in order to purchase a plan mid-year. Involuntarily losing coverage, getting married, having a child, moving and some other factors will qualify for a special enrollment period. Qualifying life events only last 60 days, so it’s important to act fast.

It’s helpful to speak with our agency as we can help you understand healthcare reform. We’ll also provide insight on the different policies available from different carriers. All policies are not created equal and some will offer stronger benefits in certain areas. Healthcare reform has added a few wrinkles to buying health insurance and it’s wise to know where some plans come up short.

We can help you see which plans your doctors accept and who gives you the best price on your prescriptions. Clicking the green link on the right allows you to see all Marketplace plans in your area. You can also see if you qualify for a tax-credit based on your income and household size.

All plans sold today (either on or off the exchange) fit into certain tiers. From most comprehensive to least, they are labeled:  Platinum, Gold, Silver and Bronze. Not all carriers offer Platinum plans however. And there are some plans designed specifically for young adults.

If you don’t qualify for a tax credit, then it may be best to purchase your health insurance off exchange if available. If you do qualify for a tax credit, then the Federal Exchange (Marketplace) is the only place to apply. You can still use an agent – and that never increases your rates.

As part of health care reform, all plans include preventive care services and maternity services. Regular checkups, OBGYN visits, routine physicals with lab work are all included at no cost to the insured. Maternity coverage will still be subject to your plan deductible and coinsurance, however.

There’s a lot to unpack with Marketplace plans. We can help. The biggest issue is networks. Sometimes it is difficult to find a plan that has all of your doctors and medical facilities in-network. This is especially true if you’re losing group coverage and used to a PPO plan. Marketplace plans are exclusively HMO type policies.

If you are between jobs or need to satisfy a waiting period before employer benefits begin, short term health insurance coverage can fill those gaps. Anthem Blue Cross and Blue Shield, Aetna (through National General) and United Healthcare – Golden Rule all offer policies with durations as short as one month.

These plans do not meet the Minimum Essential Coverage requirements of the Affordable Care Act, but they will bridge the short and longer term gaps. You can pay for these policies by the month and cancel at any time. They are are great way to provide peace of mind when traditional health insurance is unavailable.

In fact, we are seeing many of our Indiana clients use short term health insurance as a more permanent solution. Policies now can be purchased that will last years at a time. This means you only have to pass medical underwriting once.

But it also means you can be turned down. Short term plans are not required to accept everyone who applies. They don’t have to cover preexisting conditions like ACA and group plans do. And they don’t cover maternity related expenses or expensive prescription drugs.

In other words, they are not for everybody. We see our younger healthier clients gravitate toward these policies. Primarily because the rates can be half as much as many ACA plans if you don’t qualify for a tax-credit. We’ll hlpe you compare and contrast the two if you’re not sure what might be best for you and/or your family.

Health savings accounts coupled with high deductible health insurance are popular due to their lower monthly premiums. Your funds deposited into an HSA are tax deductible, grow tax deferred, and can be withdrawn tax-free for qualified medical expenses.

Deductibles, coinsurance, prescriptions, dental and vision expenses are just a few examples of how you can spend your HSA funds tax-free. It is important to have your health savings account setup and funded before medical expenses are incurred, however.

The accumulated funds in your health savings account always belong you, not the insurance company. You can establish your account with the carrier’s preferred bank or a financial institution of your choice. If you prefer more aggressive strategies, some investment companies offer mutual funds as an investment option.

Should you ever cancel your HSA qualified health coverage, then the balance of the account will be maintained – it never belongs to the insurance company. However, if the funds are used for anything other than a qualified medical expense, they will lose their tax-free status. Should you be moving to Medicare, then there are several ways to spend down your HSA on IN Medicare insurance policies as well.

Hyers and Associates in an independent health insurance agency serving the entire state of Indiana. We can help you better understand the current rules and regulations of healthcare reform.

We can also help you compare more permanent and short term coverage both on and off the exchange. There are never any additional fees to use our services. Contact us for a free consultation today.