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Health insurance advisor for self-employed people and early retirees in Indiana
SmartHealthMatch matches Indiana residents who are self-employed or retiring before 65 with one Indiana-licensed health insurance advisor who compares private underwritten plans against HealthCare.gov marketplace plans and says which costs less for your household. The check takes two minutes, is free, and your information is never sold.
Prefer to talk? (269) 953-2357 — a licensed advisor, not a call center · 7 days, 8 a.m.–10 p.m. ET
Advisors in this network are licensed in Indiana · license details on our disclosures page · one advisor per person, never a call list · not a government site — marketplace plans are also at HealthCare.gov or your state marketplace
Licensed in Indiana
The operating advisor's Indiana license: 4231523. Partner advisors in the network hold their own Indiana licenses, available on request. Verify any producer at nipr.com/help/look-up-your-license or the Indiana Department of Insurance at in.gov/idoi/consumer-services (consumer line 800-622-4461).
Not a government website. SmartHealthMatch is a private matching service. Indiana uses HealthCare.gov, and you can always enroll there on your own.
Your four coverage routes in Indiana (2026)
Self-employed Hoosiers and people leaving work before Medicare use the same individual market as everyone else. Which of the four routes fits depends on two things: household income and health history.
| Route | Who it fits | Guaranteed issue? | Pre-existing conditions | When you can enroll |
|---|---|---|---|---|
| Marketplace plan with a subsidy | Income between 100% and 400% of the poverty line: $15,650 to $62,600 for one person | Yes | Fully covered, no health questions | November 1, 2026 – January 15, 2027 for 2027 coverage, or a special enrollment period after a qualifying event |
| Marketplace plan at full price | Income above the subsidy line, or anyone with a real health history who wants nothing excluded | Yes | Fully covered, no health questions | Same windows as above |
| Private underwritten plan | Generally healthy people above the subsidy line who want a broader network or a lower premium | No — the carrier can decline | May be rated up, limited, or excluded with a rider | Applications generally accepted year-round, subject to carrier approval |
| Spouse's employer plan | Married to someone with employer group coverage; price it rather than assume | Yes (group coverage) | Covered | The employer's open enrollment, or a qualifying life event |
Private underwritten plans are not guaranteed issue: the carrier reviews your health history and can decline the application, charge more, or exclude specific conditions. They are not ACA coverage and do not qualify for premium tax credits. For many households — anyone with a subsidy or a significant health history — the marketplace plan is plainly better, and when it is, your advisor says so.
Five insurers offer 2026 marketplace plans in Indiana, and every one of the state's 92 counties has at least two of them (CMS QHP Landscape PY2026; healthinsurance.org; checked September 14, 2026).
Three Indiana numbers worth knowing for 2026
- The benchmark premium. The average second-lowest-cost silver plan for a 40-year-old in Indiana costs $474 a month at full price in 2026, up from $382 in 2025 (KFF, Marketplace Average Benchmark Premiums; checked September 14, 2026).
- The rate change. Indiana's approved average individual-market premium increase for 2026 is +26.3%, per Indiana Department of Insurance Rate Watch figures as reproduced by ACA Signups; the department's own PDF was not reachable, and healthinsurance.org cites 26.5% (checked September 14, 2026).
- The subsidy line. For 2026 coverage, marketplace premium tax credits stop at 400% of the federal poverty level: $62,600 for one person and $128,600 for a family of four, because the enhanced credits expired December 31, 2025 and were not extended (HHS 2025 Poverty Guidelines, 90 FR 5917; KFF, July 28, 2026; checked September 14, 2026).
How the match works
Two minutes online. You give your ZIP code, your situation (self-employed, retiring early, between jobs), and who is in your household. No health questions, no account to create.
One licensed advisor for Indiana. Your details go to a single advisor licensed in Indiana — not a call list. Spanish-speaking advisors are available.
A written side-by-side. Your subsidized, full-price, and private underwritten numbers, with your doctors and hospitals checked against each network, usually within the hour between 8 a.m. and 10 p.m. ET.
Who this is for
Indiana residents who buy their own coverage: self-employed people and freelancers, 1099 contractors, owner-only businesses, people retiring before 65, and people between jobs weighing COBRA against an individual plan.
Who it is not for. If you are 65 or older, Medicare is your route; enrollment is at medicare.gov or 1-800-MEDICARE. If your household income falls under the subsidy line, a HealthCare.gov plan with a premium tax credit is often the best deal available, and we say so rather than steer you elsewhere. And because Indiana expanded Medicaid in 2015 (KFF, August 2026), a year with income below the poverty line may qualify you for Medicaid instead.
Frequently asked questions
Is SmartHealthMatch free?
Yes. The two-minute check and the advisor's comparison cost nothing. Advisors are paid by insurance carriers when someone enrolls, never by you, and you are under no obligation to enroll in anything.
Will my information be sold?
No. Your details go to one licensed advisor for Indiana, not to a list of agents. SmartHealthMatch does not sell or share your information with other agents or lead buyers.
Do I have to answer health questions?
Not online. The check asks for your ZIP code, your situation, and your household. Health questions only come up if you and your advisor decide a private underwritten plan is worth applying for, because those plans review health history before approving you. Marketplace plans never ask.
What if a marketplace plan is my best option?
Then that is what your advisor will tell you. A subsidized HealthCare.gov plan is often the best deal available for households under the subsidy line, and a full-price marketplace plan is usually the right home for anyone with a real health history, because nothing can be excluded. Your advisor can enroll you in a marketplace plan or point you to HealthCare.gov directly.
Can I get covered outside open enrollment in Indiana?
Sometimes. Marketplace plans require a qualifying life event outside the open enrollment window, which for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov. Private underwritten plans generally take applications year-round, subject to the carrier's approval, which is one reason healthy people who missed the window ask about them.
Get an honest read on your Indiana options — one licensed advisor, every major route compared, your info never sold.
Get my Indiana numbers →Read the Indiana guides: Self-employed health insurance in Indiana · Retiring before 65 in Indiana
Sources
- KFF, Marketplace Average Benchmark Premiums — kff.org.
- CMS, QHP Landscape PY2026 Individual Medical — data.healthcare.gov.
- ACA Signups, Indiana 2026 rate changes — acasignups.net.
- healthinsurance.org, Indiana marketplace guide — healthinsurance.org.
- HHS 2025 Poverty Guidelines, 90 FR 5917 — govinfo.gov.
- KFF, ACA Marketplace enrollment changes in 2026 (July 28, 2026) — kff.org.
- HealthCare.gov, Dates and deadlines — healthcare.gov; CMS statement, July 31, 2026 — cms.gov.
- KFF, Marketplace Types PY2026 — kff.org; KFF, Medicaid Expansion Decisions (August 2026) — kff.org.
- Indiana Department of Insurance, Consumer Services — in.gov/idoi.