The health insurance landscape in Indiana includes several options for individuals and families. As a result of the Affordable Care Act, Indiana residents that do not have access to employer-based health plans have many ways to buy Obamacare health benefits that qualify as minimum essential coverage.
In addition to getting healthcare benefits from Indiana’s federally facilitated exchange or public programs such as Medicaid and CHIP, Indianians can shop also buy ACA-compliant coverage in the private marketplace. Furthermore, We allow consumers to shop for dental insurance, which may or may not be available through Indiana’s exchange, and short-term health insurance, supplemental health insurance, and Medicare supplement plans, which are not sold on state-based or federally facilitated exchanges.
Indiana and the Affordable Care Act
The federal government runs Indiana’s health insurance exchange. When Indianians buy healthcare benefits through the federal health insurance marketplace, they may be eligible for income-based financial assistance. Premium tax credits help lower what consumers pay in health insurance premiums each year, and cost-sharing subsidies help reduce out-of-pocket spending on deductibles, coinsurance, and copayments.
Those who do not qualify for financial assistance may opt to shop the private marketplace through sites such as www.Apterian.com, where they may have access to different plan options and provider networks.
Employers with 50 or fewer full-time employees can offer health insurance through the state federally facilitated Small Business Health Options Program (SHOP).
Medicaid expansion in Indiana
Indiana is among the states that have expanded Medicaid to single, low-income adults under the Affordable Care Act. Low-income individuals that believe they might qualify for Medicaid can apply and enroll through the state’s federally facilitated exchange. More information about Medicaid can be found at the Indiana Family and Social Services Administration website.
The state’s Children’s Health Insurance Program, helps low-income children gain access to health insurance. Visit the Indiana Family and Social Services Administration websitefor more information about Indiana CHIP, which is known as Hoosier Healthwise.
Indiana had been slipping in America’s Health Rankings over the years. This past year Indiana has dropped to the 41st healthiest state in the U.S. Indiana needs to revise its health practices since this position is the lowest ranking that the United Health Foundation has given the state in the last twenty years. Some changes will need to be done to regain some of the lost healthiness across the state.
One of the things that could greatly improve the health status of this state is more public Health funding. At barely $33 per capita spent within the state in public health, Indiana has the worst Public Health Funding in the entire country. Another thing that could help improve their situation is to focus more on preventive health practices, and achieving a healthier lifestyle across the state. If they can manage to do this, a lot of the preventive health measures, that are some of the highest and most concerning within the state, could be lowered.
Insurance and Department of Health Information
Indiana State Health Department and Department of Insurance
If you have any additional questions or need special assistance, feel free to visit or contact Indiana’s Department of Insurance and Department of Health and Human Services directly:
Indiana Department of Insurance
311 West Washington Street, Suite 300
Indianapolis, IN 46204
Phone: (800) 622-4461
Indiana State Department of Health
2 N Meridian St
Indianapolis, IN 46204
Phone: (317) 233-1325