Indiana Open Enrollment 2027: Dates, Insurers and Rate Changes

By Michael Sprague, Licensed Health Insurance Agent · Reviewed by Heather Sprague, Licensed Health Insurance Agent

Indiana open enrollment runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15 if you want coverage to start January 1. Two insurers are leaving the Indiana Marketplace for 2027 and one is joining. Approved rates are up 17.5% on average before subsidies.

This guide covers the key dates, which insurers are selling plans in Indiana for 2027, how much rates are changing and how to keep your costs down. For free help comparing plans, call a licensed Vivna agent at 888-730-6031.

Key Dates for Indiana Open Enrollment

Date	What happens
November 1, 2026	Open enrollment starts on HealthCare.gov
December 15, 2026	Last day to enroll for coverage starting January 1, 2027
January 15, 2027	Open enrollment ends. Plans picked by this date start February 1
After January 15	You need a qualifying life event for a special enrollment period

If you have a plan now and do nothing, HealthCare.gov may automatically renew you into the same or a similar plan. Auto-renewal can cost you money when rates and subsidies change, so compare before December 15.

Which Insurers Sell Plans in Indiana for 2027?

The Indiana Department of Insurance published the approved 2027 rates. Here is where each Marketplace insurer stands:

Insurer	2027 status	Approved average rate change
Anthem	Returning	15.8%
Coordinated Care (Ambetter)	Returning	19.8%
UnitedHealthcare	Returning	See your plan notice
AmeriHealth Caritas	New for 2027	New plans
CareSource	Leaving the Marketplace	Not applicable
Cigna	Leaving the Marketplace	Not applicable

Plan choices vary by county. Enter your ZIP code on HealthCare.gov, or call 888-730-6031, to see which insurers serve your area.

How Much Are Rates Going Up in Indiana?

Indiana insurers requested an average increase of 19.7% for 2027. The Indiana Department of Insurance approved an overall average of 17.5%, before subsidies.

If you are a CareSource or Cigna member, your plan ends December 31, 2026. You need to choose a new plan, ideally by December 15 so you have no gap. If you receive a premium tax credit, your actual cost change depends on your new subsidy.

How Subsidies Work in Indiana for 2027

The enhanced federal subsidies that were in place from 2021 through 2025 expired. For 2027, premium tax credits are available to households with income from 100% to 400% of the federal poverty level that do not have access to affordable employer coverage. Above 400%, there is no subsidy.

Your subsidy is tied to the cost of the second-lowest-cost silver plan in your area. When that benchmark plan goes up, your subsidy usually goes up too. That is why some people see little change in what they pay, while people who earn too much for a subsidy pay the full increase.

If your income is near the 400% line, small changes can make a big difference. See our guide to the ACA subsidy cliff.

Medicaid in Indiana

Indiana expanded Medicaid through the Healthy Indiana Plan (HIP). Adults with income up to 138% of the federal poverty level can generally qualify. Rules for HIP are changing under recent federal law, including work requirements, so check your eligibility.

See our Indiana health insurance page for local options.

How to Enroll in Indiana

• Gather your information: household members, Social Security numbers, income estimate for 2027 and current coverage details.
• Estimate your 2027 income carefully. Your subsidy is based on it, and you reconcile it at tax time.
• Compare plans: look at premiums, deductibles, out-of-pocket maximums, networks and drug lists, not just the monthly price.
• Check your doctors and prescriptions in each plan's network and formulary.
• Enroll on HealthCare.gov or with a licensed agent at no extra cost.
• Pay your first premium to start coverage.

Ways to Lower Your Costs in Indiana

• Compare bronze, silver and gold plans. If your income is under 250% of the poverty level, a silver plan may give you cost-sharing reductions.
• Consider an HSA-eligible bronze plan if you are healthy and want a tax-free savings account.
• Add hospital indemnity or accident insurance to a lower-premium plan to cover big bills.
• Use our open enrollment checklist so you do not miss a step.

Missed Open Enrollment in Indiana?

After January 15, you can only enroll in a Marketplace plan if you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby. If you do not qualify, a Indiana short-term health insurance plan may bridge the gap until next year. See how to buy health insurance after open enrollment.

If Your Insurer Is Leaving

Read our guide for CareSource members. A licensed agent can help you pick a replacement plan by December 15. Call 888-730-6031.

Indiana Open Enrollment: FAQ

When is open enrollment in Indiana for 2027?

November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1.

How many insurers sell Marketplace plans in Indiana for 2027?

Four: Anthem, Coordinated Care, UnitedHealthcare and AmeriHealth Caritas (new). CareSource and Cigna are leaving.

Are Indiana health insurance premiums going up in 2027?

Yes. The Indiana Department of Insurance approved an average increase of 17.5% before subsidies.

Can I get a subsidy in Indiana?

Yes, if your household income is between 100% and 400% of the federal poverty level and you do not have affordable employer coverage.

What if I miss the deadline?

You need a qualifying life event for a special enrollment period. Otherwise, you wait until the next open enrollment.

Next Steps for Indiana open enrollment

Review your 2027 options before December 15, especially if your insurer is leaving or your rate is going up. Compare plans in your ZIP code and update your income estimate. See our national guide to open enrollment deadlines by state and our Indiana health insurance page.

Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.

Sources

1. Indiana Department of Insurance: 2027 Rate Watch
2. healthinsurance.org: Indiana health insurance Marketplace
3. HealthCare.gov

Related Guides

• Open enrollment deadlines by state
• Open enrollment checklist
• ACA subsidy cliff
• Indiana health insurance

Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.