Indiana approved a 26.3% increase for 2026, and its Medicaid program works differently from almost every other state's.
| Rate change | 2026: +26.3% approved · 2027: about +19.3% proposed |
|---|---|
| Where you enroll | healthcare.gov |
| Medicaid | Expanded through the Healthy Indiana Plan |
| Short-term plans | 36 months under state law — see the federal note below |
| Subsidy cliff | $63,840 single · $132,000 for four |
Rate figures are approved 2026 plan year changes unless marked proposed. Proposed 2027 rates are carrier filings still under regulatory review — most states finalise in September and October, and approved rates routinely differ from filings. Ask me to confirm the current position for your county before you decide anything on these.
Indiana's approved average rate increase for 2026 was 26.3% before subsidies — above the national average of roughly 20%, and in line with what most states on healthcare.gov absorbed.
The driver was the same everywhere: the enhanced federal premium tax credits expired January 1, 2026, on top of carrier filings for underlying medical cost growth. For Indiana households that had been receiving a credit, the increase in what they actually pay each month was considerably larger than 26%.
Indiana enrolls through healthcare.gov, so federal deadlines apply rather than a state-set calendar.
Indiana expanded coverage through the Healthy Indiana Plan, usually called HIP — and it's structured differently from expansion in most states. HIP uses a POWER account, a health savings arrangement that members contribute to monthly, with the contribution scaled to income.
The practical consequence is that eligibility and cost-sharing in Indiana don't work the way a general article about Medicaid expansion would suggest. If your income is in that range, it's worth checking your specific situation rather than assuming, because HIP's rules genuinely differ.
Indiana permits short-term policies with total duration up to 36 months, and at least one carrier offers that full term. In practice most available policies cap at four, six, or twelve months.
So the statute is permissive and the shelf is narrower than the statute allows — worth knowing before you assume a long bridge is available to you.
What the federal rule actually says. The 2024 federal rule defining short-term, limited-duration insurance caps the initial term at three months and total duration at four months including renewals. That rule has not been repealed or struck down. On August 7, 2025 the Departments of Labor, Health and Human Services and the Treasury said they do not intend to prioritise enforcing it, and signalled new rulemaking. The longer durations described above rest on that discretionary non-enforcement position together with state law — not on a change to the federal definition. It can be revisited, so ask me where it stands before you plan around a long term.
What these plans are, stated plainly. Short-term plans are medically underwritten — the application asks about your health history, and coverage can be declined, limited, or priced based on what it says. They are not ACA-compliant: pre-existing conditions may be excluded, and the essential health benefits guaranteed on every Marketplace plan are not automatic. If anyone in the household is managing a condition, an ACA plan’s guaranteed coverage is usually worth the premium difference, and I’ll tell you so even though it’s the less profitable answer for me.
Premium tax credits end above $63,840 for one person and $132,000 for a household of four in 2027. Below that line the subsidy generally wins and I'll tell you so. Above it, the credit is zero, you're paying Indiana's full post-increase premium, and looking at the whole market becomes worth doing.
Nothing. Brokers are paid a commission by the carrier, and it's built into the premium whether you use one or not — enroll direct and the carrier simply keeps it. The plan price is identical either way. There's a fuller explanation, along with my NPN, on the licensing page.
Indiana's approved average rate increase for 2026 was 26.3% before subsidies, above the national average of roughly 20%. Households that previously received enhanced premium tax credits saw a larger increase in what they actually pay, because those credits expired January 1, 2026.
The Healthy Indiana Plan, or HIP, is Indiana's Medicaid expansion program. It differs from standard expansion in other states by using a POWER account, a health savings arrangement members contribute to monthly with contributions scaled to income. Eligibility and cost-sharing rules differ from general Medicaid expansion, so it is worth checking your specific situation.
Indiana permits total duration of up to 36 months, and at least one carrier offers that full term. Most policies available in practice cap at four, six, or twelve months.
My National Producer Number is 21388659. You can confirm it through the Indiana Department of Insurance or the National Insurance Producer Registry. I'd encourage it — you should never take a broker's word for their own credentials.
Licensed in Indiana and 28 other states. See the full list, or start with the situation that matches yours.
Twenty minutes. Every option you qualify for, priced side by side.
Book Your Free Call