Health insurance in Indiana for 2027

Cigna. In its quarterly report for the period ending June 30, 2026, The Cigna Group says that in April 2026 it “announced its planned exit from the Individual and Family Plans medical business as of January 1, 2027.” (The Cigna Group is a separate company from the Cigna insurance companies that issue these plans, and it isn’t responsible for their financial condition or their obligations under their policies.) In 2026, Cigna sold HealthCare.gov plans in 15 of Indiana’s 92 counties: Boone, Dubois, Gibson, Hamilton, Hancock, Hendricks, Henry, Howard, Johnson, Madison, Marion, Posey, Shelby, Vanderburgh and Warrick. They’re EPO plans from Cigna Health and Life Insurance Company, shown on HealthCare.gov as Cigna Healthcare.

CareSource. In a May 15, 2026 notice to its Indiana marketplace doctors and hospitals, CareSource says: “As of January 1, 2027, CareSource is exiting the Indiana market.” Its plans on HealthCare.gov and the ones it sold outside HealthCare.gov stay active through December 31, 2026, and then end. In 2026, CareSource sold HealthCare.gov plans in all 92 counties. CareSource says its Hoosier Healthwise and Healthy Indiana Plan coverage isn’t affected. If yours is one of its platinum plans, there’s no 2027 platinum plan on HealthCare.gov to move to: none of the four companies has one, by the Department of Insurance’s count.

What’s left for 2027. The Indiana Department of Insurance’s 2027 list says both Cigna Health and Life Insurance Company and CareSource Indiana “will not offer plans on the Individual Marketplace for Policy Year 2027.” Your plan runs through December 31, 2026. After that, whether you bought it on HealthCare.gov or straight from the company, plan on a different company’s plan. The same list shows Coordinated Care, the company whose plans HealthCare.gov showed as Ambetter Health in 2026, covering all 92 counties for 2027, and Anthem covering 85. In each of Cigna’s 15 counties, Anthem and Ambetter also sold HealthCare.gov plans in 2026.

In seven southern counties, Clark, Crawford, Floyd, Harrison, Jefferson, Scott and Washington, Ambetter and CareSource were the only two companies selling HealthCare.gov plans in 2026. If you live in one of them, look at HealthCare.gov’s 2027 plans for your county as soon as they’re posted.

Your letters. If your plan came through HealthCare.gov, HealthCare.gov says you should get two letters by November 1: one from your insurance company, and one from the Marketplace, which is HealthCare.gov itself. The insurance company’s letter should say whether your plan is available for 2027 and, if it isn’t, whether the company is offering you a similar plan. Together, HealthCare.gov says, the two letters tell you which plan, if any, you’re matched with and will be re-enrolled in if you don’t act by December 15. The Marketplace’s letter also tells you anything you need to do to keep getting a tax credit. Keep both.

If you do nothing. HealthCare.gov says: “If your company isn’t offering plans for next year, we’ll re-enroll you in a plan with a different insurance company. Your plan doesn’t start until you pay your first monthly premium.” So if that happens, watch for the new company’s first bill and pay it. The federal rule says the Marketplace “may” make that move: where Indiana’s insurance regulator directs, or, if the regulator gives no direction, into a similar plan the Marketplace chooses. CMS’s enrollment manual says it then looks for a plan that covers where you live, at the same level (like silver) and of the same type (like HMO) where it can, weighing which company can take on new members and which plan has the lowest premium. Your doctors and prescriptions aren’t on that list. HealthCare.gov also says that in some cases you won’t be re-enrolled at all.

If you bought your plan outside HealthCare.gov, the Marketplace won’t move you. It re-enrolls only people it enrolled, and CMS’s standard letter for a plan ending off HealthCare.gov says to pick a different plan by a set date or go without coverage. You can pick one on HealthCare.gov or off it, but only a plan bought through HealthCare.gov can come with a tax credit.

If you miss December 15. Because your plan is ending, you also get a special enrollment period. HealthCare.gov counts a discontinued plan as losing coverage, and gives you 60 days before and 60 days after your coverage ends to pick a new plan. Pick one before your coverage ends and it starts the first day of the month after your coverage ends, so a plan picked by December 31 would start January 1. Pick one later and it starts the first day of the month after you pick. Either way, you may be asked for documents showing the loss, and if you’re new to HealthCare.gov, CMS says you’ll have to send them before you can use the plan. You have 30 days after picking to send them, and if you’re asked and don’t, you won’t qualify. And if you’re already on HealthCare.gov, it may only let you choose from your current plan category, like bronze or silver. Don’t plan around the special enrollment period. December 15 is simpler.

What I’d do now:

• Watch for those two letters and keep them. If you’re asked for proof, you’ll need “documents showing the lost coverage and the date it ends,” in HealthCare.gov’s words.
• Write down your doctors, your hospital and every prescription you take.
• Update your 2027 application on HealthCare.gov, income included. HealthCare.gov says that when the application asks whether you’re losing coverage, you should say you’re losing it on December 31.
• If your income might be under the Healthy Indiana Plan’s limit, read that section below before you pick. If you qualify for HIP, you can’t get a tax credit for a HealthCare.gov plan.
• When 2027 plans show up on HealthCare.gov, check each one you’re considering for your doctors and drugs, including any plan you’re matched with, and call your doctors’ offices to ask whether they’ll take that plan in 2027.
• Pick your plan by December 15, and pay the new company’s first bill, so it starts January 1.

If you’re weighing the companies against each other, my comparison of Aetna, Cigna and UnitedHealthcare shows where each one sold in Indiana in 2026.

Indiana uses HealthCare.gov. For plan year 2027, CMS lists Indiana as a federally facilitated marketplace state. I help people in Indiana enroll through HealthCare.gov and HealthSherpa.

Open enrollment starts November 1, 2026. A plan you pick by December 15 starts January 1, 2027. A plan you pick from December 16 through January 15, 2027 starts February 1.

The January 15 end date is contested. CMS gives that date, and so does HealthCare.gov’s own dates page. A federal rule finalized in June 2025 would have ended open enrollment on December 15 instead. A federal district court threw out that part of the rule in June 2026, the government appealed, and the appeals court set argument for October 30, 2026. Until a court changes them, CMS’s dates are the ones that count. My 2027 open enrollment guide follows the case.

These are the companies on the Indiana Department of Insurance’s list of 2027 individual health plans, with the number of Indiana’s 92 counties the Department says each covers. I’ve left out the prices they asked for, because those were requests. The last column is the average rate change the Department approved for each company, before any tax credit.

AmeriHealth Caritas is new here. It says its marketplace plans, called AmeriHealth Caritas Next, start in January 2027 in seven counties: Boone, Hamilton, Hendricks, Johnson, Marion, Morgan and Shelby. UnitedHealthcare goes from 5 counties in 2026 to 36 in 2027, the Department says, though its list doesn’t say which ones. In 2026, UnitedHealthcare’s HealthCare.gov plans here were EPO plans in Boone, Hancock, Henry, Johnson and Madison counties. Celtic Insurance Company sells only outside HealthCare.gov, so its plans can’t come with a tax credit. Its plan names use Ambetter too, but it’s a different company from the one whose Ambetter Health plans are on HealthCare.gov. None of the four companies on HealthCare.gov has a platinum plan for 2027, by the Department’s count.

The Department notes that its averages don’t show any one person’s change: yours can go up or down depending on the plan you pick or are moved to. It also said CMS planned to approve Indiana’s HealthCare.gov plans by October 7, 2026. When I checked CMS’s rate review site on October 26, 2026, every 2027 Indiana filing still showed as pending, and CMS said it planned to post final 2027 rates no later than October 30, 2026.

Not every company sells in every county. HealthCare.gov shows which 2027 plans are offered where you live once open enrollment starts.

The tax credit that lowers your monthly premium is still there for 2027. Between the poverty line and four times it, the credit is figured so that what you’d pay for your area’s benchmark plan, the second-lowest-cost silver plan, comes to a set share of your income. If benchmark prices go up, the credit goes up with them, though other plans’ prices can still move by more or less. The limit that came back after 2025 is at the top: above four times the poverty line, there’s no credit at all. And starting with 2027, fewer people who aren’t U.S. citizens qualify.

At the bottom, Indiana is different from states that didn’t expand Medicaid. If you qualify for the Healthy Indiana Plan, you can’t get the tax credit for a HealthCare.gov plan, because federal law doesn’t allow the credit for any month you’re eligible for Medicaid. The next section is about where that line falls.

The Healthy Indiana Plan (HIP) is Indiana’s Medicaid program for most adults 19 through 64, with income up to 138% of the federal poverty line. On Indiana Medicaid’s eligibility guide, that’s $1,835.50 a month or less for one person, in figures that took effect March 1, 2026. You can’t be eligible for Medicare or another kind of Medicaid. If you’re a parent or caretaker, the state’s Family and Social Services Administration (FSSA), which runs HIP, says your children need health coverage too.

You can apply any time of year: online through the FSSA Benefits Portal, in person at your local Division of Family Resources office, by mail, by phone, or through HealthCare.gov. Indiana Medicaid’s apply page has the phone number and the office list.

What HIP costs is unsettled. FSSA’s own pages don’t agree on it. Its HIP pages describe a monthly POWER account payment, with people above the poverty line removed from HIP if they don’t pay, and its eligibility guide describes a different payment. But in an August 2026 draft application, FSSA wrote that since a June 2024 federal court decision, HIP has run “without POWER account premiums or coverage consequences for nonpayment.” In that application, FSSA proposes replacing the POWER account with copays at the doctor’s office or pharmacy, lower for people who get recommended preventive care, and it needs federal approval to do that. So when you apply, ask FSSA or the HIP health plan you pick what you’ll owe.

What changes, and when. These come from the federal law passed in July 2025, and Indiana has set out how they apply here:

• October 1, 2026, for people who aren’t U.S. citizens. Full Indiana Medicaid coverage, HIP included, is now limited to U.S. citizens and nationals, green card holders (most of whom must also wait five years), Cuban or Haitian entrants, and citizens of Micronesia, the Marshall Islands or Palau living here under their compacts. Others may still qualify for emergency services only.
• January 1, 2027: a work requirement for HIP. If you’re 19 to 64, not pregnant, and not on or eligible for Medicare, you’ll need 80 hours a month of work, school at least half time, an apprenticeship, a work program or volunteering, or a mix of them, unless you’re exempt. A monthly income of at least $580, which is 80 hours at the federal minimum wage, also counts. It starts with applications and renewals from January 1, 2027, and FSSA says it will check every three months. If you apply in January 2027, FSSA says you’ll need to show you met it in October, November and December 2026.
• 2027: renewals every six months. Federal law moves HIP renewals to every six months, starting with renewals due on or after January 1, 2027, and FSSA’s work requirement guide says you’ll renew every six months. FSSA says your renewal date is in your Benefits Portal account.

Who’s exempt from the work requirement. FSSA’s list includes parents and caregivers of a child 13 or younger, caregivers of a person with a disability, veterans with a total disability rating, people who are pregnant or whose pregnancy ended in the last 12 months, people who are medically frail (which FSSA says includes being blind or having a disability, a substance use disorder or a serious mental health condition), people in drug or alcohol treatment, members of a federally recognized tribe, former foster youth under 26, people meeting SNAP or TANF work rules, and people in jail or released in the last 90 days. FSSA says it’s still working with CMS on who counts as medically frail, and that other exemptions may apply. The full list is on FSSA’s work requirements page.

If you don’t meet the work requirement and aren’t exempt, FSSA says your coverage stops and you have to reapply. Whenever FSSA’s Division of Family Resources takes an action on your case, it sends a notice explaining it and your right to appeal.

If you lose HIP only because of the work requirement, don’t count on a HealthCare.gov plan with a tax credit instead. The same federal law counts you as still eligible for Medicaid when it decides who gets the credit, and FSSA says you can’t get Marketplace financial help during that time.

HIP and its funding. Indiana law ties HIP to its money. FSSA says state law requires HIP to end if the federal government’s share of its cost falls below 90% or the hospital fee that helps pay for it falls short, and a 2025 law tells FSSA’s secretary to “limit enrollment in the plan to the number of individuals that ensures that financial participation does not exceed the level of state appropriations or other funding for the plan.” In its August 2026 draft application, FSSA wrote that federal changes to that kind of hospital fee “create new uncertainty” about how HIP is paid for. It also wrote that it doesn’t think an enrollment cap will be necessary, and that it would send CMS a plan for one at least six months before using it. Nothing I’ve read says HIP is closing or capping enrollment for 2027.

Children from birth through 18 are covered through Hoosier Healthwise at higher incomes than adults: on Indiana Medicaid’s eligibility guide, up to $5,805.85 a month for a family of three. Toward the top of that range, the coverage is CHIP, which has a small monthly premium and copays for some services. If you’re pregnant, the limit for a family of three is $4,849.85 a month, and the baby you’re expecting counts in the family size. While your application is processed, you can apply for presumptive eligibility to get care right away. If you’re on HIP when you become pregnant, FSSA says to tell your health plan, and that it stops any POWER account payment or copays while you’re pregnant and for 12 months after you give birth. You can apply any time of year, the same ways as above, and the October 1, 2026 rule for people who aren’t U.S. citizens applies to these programs too. Above those limits, your children can be on your HealthCare.gov plan, where the tax credit can help pay for their coverage too.