Below are some of the commonly asked questions regarding the Indiana Health Insurance Marketplace. Still have a question? Call 844.STVPLAN (788.7526) to schedule an appointment or have our enrollment specialists help you through the process.
Eligible Hoosiers can use Indiana's Health Insurance Marketplace to learn about their health insurance options, compare plans, and enroll in health coverage for themselves or their families. Additionally, Marketplaces provide Hoosiers with information on programs available to help lower their monthly premiums and out-of-pocket costs, and help them determine if they're eligible for public health coverage programs like Medicaid or the Children's Health Insurance Program (CHIP).
Most Hoosiers are eligible to purchase private health coverage through Indiana's Health Insurance Marketplace as long as they:
• Live in the United States
• Are a U.S. citizen or national (or are lawfully present)
• Are not currently incarcerated
- November 1, 2015: Open Enrollment started — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
- December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
- January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
- January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
- January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.
- If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.
No. If you are eligible for employer-sponsored health coverage, you will not be affected.
Whether you qualify for the Marketplace will depend on what kind of coverage your employer offers. If your job-based coverage is considered "affordable" and meets minimum value, you won't be able to get lower costs on premiums or out-of-pocket costs in the Marketplace. This is true no matter what your income and family size are.
Employer coverage is considered affordable if the employee's share of the annual premium for self-only coverage is no greater than 9.5% of annual household income.
Monthly premium costs for insurance purchased through the Marketplace are not yet available. Check back often for updates, or sign up for email updates.
Click here to use our Subsidy Calculator.
Based on your income and family size, you may qualify for financial assistance.
Individuals making up to $46,680 or a family of 4 making up to $95,400 may qualify for help paying their monthly premiums when they purchase health insurance through the Marketplace.
Additionally, individuals making up to $29,175 or a family of 4 making up to $59,625 may qualify for additional assistance to help lower the amount they pay for out-of-pocket costs like deductibles, coinsurance, and copayments.
If you're a part-time worker without job-based coverage, you may be able to buy health insurance in the Marketplace and get lower costs based on your income.
If you're self-employed with no employees, you're not considered an employer. You can use the individual Marketplace to find coverage that fits your needs.
If you're retired without coverage, you may use the Health Insurance Marketplace to buy health insurance. If you don't have coverage you may have to pay a fee.
Medicare isn't part of the Health Insurance Marketplace, so you don't need to do anything. If you have Medicare, you are considered covered.
The Marketplace won't affect your Medicare choices, and your benefits won't be changing. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you'll still have the same benefits and security you have now. You won't have to make any changes.
Note: The Marketplace does not offer Medicare supplement (Medigap) insurance or Part D drug plans. For information on these programs, visit Medicare.gov.
If available, please collect the below documents to get a head start on your enrollment:
- Photo ID
- Social Security Card
- Health Insurance Card (if currently insured)
- Birth Certificate
- Last 3 months of pay stubs or a proof of no income statement
- Last 3 months of bank statements
- Vehicle Registration
- Last year’s tax return
Call 844.STVPLAN (788.7526) to schedule an appointment or have our enrollment specialists help you through the process.
The new Healthy Indiana Plan (or “HIP 2.0”) is an affordable health insurance program from the State of Indiana for uninsured adult Hoosiers. The Healthy Indiana Plan pays for medical expenses and provides incentives for members to be more health conscious.
Click here for more information about the HIP 2.0 Plan