Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance in Indiana 2026
Compare U65 private, ACA marketplace, and off-exchange plans in Indiana. Licensed agents compare all carriers at no cost.
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Quick Answer: Individual health insurance in Indiana costs $160 to $500 per month for a U65 private plan and $240 to $730 per month for an unsubsidized ACA plan in 2026. For healthy Indiana residents above the $60,240 ACA subsidy threshold, U65 private plans are typically 20 to 40 percent cheaper. Call 888-828-5064 for a free multi-carrier comparison.
📊 According to KFF Health Policy, Indiana has a significant population of individually insured adults outside employer coverage. Indiana has a large manufacturing and logistics workforce, including significant auto industry employment in the Indianapolis metro and the Calumet region near Chicago. Many contract and gig workers in Indiana’s growing technology and distribution sectors need individual health insurance year-round.
Health Insurance Options in Indiana
| Plan Type | Monthly Cost | Enrollment | Key Carriers |
|---|---|---|---|
| U65 Private Plan | $160 to $500 | Year-round, any day | UnitedHealthcare, Aetna, Cigna, Anthem Blue Cross Blue Shield of Indiana |
| ACA Marketplace | $0 to $650 with subsidy | Open enrollment or SEP | Anthem BCBS Indiana, Ambetter (MDwise), CareSource, Oscar Health |
| Medicaid | Free to low cost | Year-round | Indiana Medicaid |
Indiana expanded Medicaid in 2015 through the Healthy Indiana Plan (HIP). Adults earning up to 138 percent of the FPL qualify. The HIP program includes a health savings account component (POWER account) and requires some premium contributions for adults above the poverty line. Per Indiana Medicaid, enrollment is available year-round.
Compare Indiana Health Insurance Plans
A licensed HealthPlusLife agent compares all available Indiana options in one 10-minute free call. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance Costs in Indiana
| Age | U65 Private Monthly | ACA Unsubsidized Monthly | Annual Savings with U65 |
|---|---|---|---|
| 30 | $165 to $250 | $270 to $390 | Up to $1,500/yr |
| 40 | $220 to $360 | $320 to $470 | Up to $1,800/yr |
| 50 | $320 to $490 | $440 to $650 | Up to $1,920/yr |
| 60 | $430 to $640 | $630 to $940 | Up to $2,520/yr |
Indiana is one of our active individual health insurance markets. Self-employed professionals, early retirees, and adults between jobs across all regions of the state benefit from U65 private plan comparisons. We consistently find options 20 to 40 percent cheaper than unsubsidized ACA plans for eligible clients.
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Indiana Cities and Counties We Serve
HealthPlusLife serves all Indiana counties and cities including Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, Hammond, Gary, and Lafayette and all surrounding communities. Call 888-828-5064 for your Indiana health insurance quote.
Related State and Individual Plan Guides
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