Indiana Individual and Family Health Insurance

Find Indiana health insurance plans throughout the state, including Anderson, Bloomington, Indianapolis, Lafayette, Richmond and other locations.

Indiana Health Insurance 101

Indiana is home to more than six million residents.  On average, Indianans earn an annual salary of $46,407.  While the majority of Indianans obtain employer health insurance through your workplace, there are nearly 250,000 of your neighbors who opt to buy individual health insurance directly through Indiana’s health insurance providers. 

In 2004, Indiana employees who purchased group insurance through work were responsible for a monthly premium of $838 for individual health insurance, while family coverage for four was a hefty $2,634.  In contrast, residents who purchased individual health insurance straight from the insurance carriers paid $125 for an individual and $506 for family health insurance. 

Based upon these figures, there is a large discrepancy between premiums on the individual and employer-based group market.  In addition, not all employers even offer health insurance to their workers.  In Indiana, only 53% of private corporations even give their workers employer health insurance.  Furthermore, only 34% of businesses that employ less than 50 workers provide small business health insurance.  Subsequently, it is unsurprising the Indianans turn to individual health insurance on their own.  However, with InsureMonkey as their health insurance agent, they are certainly not alone.

Indiana Health Insurance Providers

Indiana’s High Risk Pool

Sadly, many individuals who have pre-existing and serious medical conditions are labeled “high risk” by health insurance providers, and subsequently, they are unable to obtain individual health insurance.  Thankfully, Indiana’s state government sponsors a high risk pool helps these people to secure affordable healthcare insurance.  Individuals in the pool pay between $510 and $763 per month, and the government subsidizes the rest.  Approximately 7,050 Indianans benefit from the state’s high risk pool. 

If you have pre-existing medical conditions that prohibit you from obtaining individual health insurance, contact the Indiana Comprehensive Health Insurance Association at (317) 614-2133.


Indiana’s Uninsured

In Indiana, 732,256 of your neighbors don’t have health insurance.  Not all are unemployed or entrepreneurs who simply cannot afford self employed health insurance.  Rather, many work for corporations that do not offer employer health insurance.  Affordable health insurance should be a right for all Indianans, and we know that these situations are simply temporary.  InsureMonkey wants to help you obtain affordable health insurance.  If you, a loved one, a friend or neighbor need healthcare coverage, we are here to help as your Indiana health insurance agent.


Indiana SCHIP

In Indiana, uninsured children who qualify can secure healthcare through the SCHIP Program, which is known as Hoosier Healthwise and the Healthy Indiana Plan (HIP).  Through state and federal government funding, Hoosier Healthwise gives needy children healthcare, vision care, dental care, and prescriptions. 

To qualify, parents must make a combined household income that falls between 22% and 200% of the current federal poverty level.  For 2009 levels, the maximum salary cap for the household would be 34,340 with uninsured children.   More than 68,000 needy Indiana children obtain healthcare through the Hoosier Healthwise program. 

For more information, please contact Hoosier Healthwise at (800) 889-9949, 877-GET-HIP-9, or click http://www.healthcareforhoosiers.com/index.html.  


Medicaid in Indiana

Medicaid in Indiana helps low-income families, pregnant women, children, disabled individuals, the elderly and nursing home residents obtain healthcare through state and federal funding.  To qualify, the above individuals need to be below the following income requirements:

•    Children
      o    Infants Ages 0-1:  $35,200 or 200% of the Federal Poverty Level
      o    Children Ages 1-5:  $26,400 or 150% of the Federal Poverty Level
      o    Children Ages 6-19:  $26,400 or 150% of the Federal Poverty Level
•    Parents
      o    Non-Working:  $3,456 or 20% of the Federal Poverty Level
      o    Working:  $4,536 or 26% of the Federal Poverty Level
•    Pregnant Women
      o    $35,200 or 200% of the Federal Poverty Level

For more information, please contact the Indiana Health Coverage Programs at (317) 488-5071. 


(Facts throughout this page provided by the Kaiser Family Foundation at www.statehealthfacts.org and by The New Health Insurance Solution at www.tnhis.com.  Commentary provided by InsureMonkey.)

State Resources

State of Indiana
Website: http://www.state.in.us
 
Executive Office
Governor: Mitch Daniels (R) (317) 232-4567
Head of Health Department: Judith A. Monroe, Commissioner, Department of Health (317) 233-1325
 
Senators
Sen. Richard G. Lugar (R) (317) 226-5555
Sen. Evan Bayh (D) (317) 554-0750

Medicaid Website: http://www.indianamedicaid.com/ihcp/index.asp
Medicaid Director: Jeff Wells, Medicaid Director, Family and Social Services Administration  (317) 488-5071
Department of Insurance Website: http://www.in.gov/idoi/