Private Health Plans for the Self-Employed in Indiana

I am an independent, licensed health insurance broker, and I am licensed in Indiana. If you are self-employed, a 1099 contractor, or a freelancer, this page covers the options that sit outside the Marketplace — what is actually available in Indiana, what the trade-offs are, and when a private plan is the wrong answer. There is no fee for my help. The insurance company pays the broker, not you.

Indiana caps short-term coverage at 180 days, and allows Farm Bureau health plans that are not regulated as insurance.

Indiana at a glance for the self-employed

Hoosiers shop on HealthCare.gov. The 2027 lineup shifts: CareSource and Cigna are leaving and AmeriHealth Caritas is joining Anthem, Coordinated Care and UnitedHealthcare. About 300,000 people picked a plan for 2026.

• Big proposed increases. For 2027, Anthem proposed about 16%, Coordinated Care about 25% and UnitedHealthcare about 32%, a weighted average near 19%.
• Indiana spreads costs across every metal level. Unlike states that load extra cost only onto Silver plans, Indiana spreads it across all levels, so the Gold-beats-Silver trick is less common here.
• Net premiums were already high. Indiana enrollees paid about $222 a month on average after subsidies in 2026, and only 80% qualified for help.
• Farm Bureau plans and HIP. Indiana allows Farm Bureau health plans, which are not insurance and are medically underwritten. The state's Medicaid expansion runs through the Healthy Indiana Plan.

The 400% line matters more here than most people expect. For 2027 the credit stops above $63,840 for one person and $132,000 for a family of four, and there is no phase-out. See the full 2027 income limits.

Your private options in Indiana

• Short-term plans. Indiana caps short-term coverage at 180 days, which makes it a stopgap between jobs rather than a plan to live on.
• Farm Bureau health plans. Indiana allows these membership plans. They are medically underwritten and not regulated as insurance, so compare the benefits carefully against a regular policy.
• Medically underwritten private plans. Health questions up front, often lower premiums for healthy applicants, broad PPO networks, and applications accepted any month.
• Supplemental coverage. Accident, critical-illness and hospital plans can soften a high deductible. How it works.

When private is the right call in Indiana, and when it is not

With four carriers on HealthCare.gov for 2027 and proposed 2027 increases averaging about 19%, a healthy Indiana freelancer or business owner over the subsidy line often saves real money with a private plan.

Stay with HealthCare.gov if you have an ongoing condition, are pregnant or planning to be, take expensive prescriptions, or qualify for a meaningful tax credit. If that is you, I will say so.

The tax piece

Most self-employed people can deduct their health insurance premiums, which also lowers the income that counts toward a subsidy. How it works for 1099 workers.

Indiana questions I hear a lot

Which carriers sell Marketplace plans in Indiana for 2027?

Anthem, Coordinated Care, UnitedHealthcare and new entrant AmeriHealth Caritas. CareSource and Cigna are leaving.

How much are Indiana premiums going up for 2027?

Proposed increases run from about 16% at Anthem to about 32% at UnitedHealthcare, a weighted average near 19%.

Can I get a Farm Bureau health plan in Indiana?

Indiana allows Farm Bureau health plans. They ask health questions and are not regulated as insurance, so approval is not guaranteed.

What if I earn more than 400% of the poverty level in Indiana?

You pay the full Marketplace price. For healthy applicants a private medically underwritten plan is often cheaper. I compare both at no cost.

Posey Health Solutions · National Producer Number 20609967 · licensed in Indiana and 30 other states. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability, carrier participation, and duration limits vary by county, carrier, and plan year, and the rules can change.