Individual Solutions

Individual Solutions

Looking for health insurance in the new marketplace?

We've got you covered.

Under the Affordable Care Act comprehensive and affordable coverage is now a reality for many consumers through the Health Insurance Marketplace, sometimes known as the Health Insurance Exchange. To help find the best plan for you and your family make a free appointment with one of our certified Indiana Navigators today using one of the appropriate phone numbers below. Financial assistance may be available based on how much money you make.

Get one-on-one assistance with a certified navigator to help you:

  • find what financial help you may qualify for
  • find the best plan for you
  • fill out your actual health insurance application

Federal and State Coverage Assistance

The state of Indiana requires that individuals providing assistance to you in seeking coverage are licensed as certified Indiana Navigators. That means not just anyone can help you. Depending on your income, you may qualify for Medicaid (a Federal insurance plan) and/or additional financial assistance.

We have a large team of trained and certified Indiana Navigators to help you find the best choice for you.


Request an enrollment appointment with an
IU Health Marketplace Navigator

A certified Indiana Navigator will contact you to schedule an appointment.

Key Dates

November 15, 2014:
Open enrollment begins

December 15, 2014:
Last day to make your first premium payment for coverage to begin on January 1, 2015

January 1, 2015:
Health plan coverage can begin

February 15, 2015:
Open enrollment ends

Locations

Bloomington

413 Landmark Avenue
Bloomington, IN 47403
M-F 8 am - 4:30 pm (or by appointment)
Get Directions
800.313.1328

Bedford

2900 West 16th Street
Bedford, IN 47421
M-F 8 am - 4:30 pm
Get Directions
800.313.1328

Martinsville

2209 John Wooden Drive
Martinsville, IN 46151
M-F 7:30 am - 4 pm
Get Directions
800.313.1328

Paoli

642 West Hospital Road
Paoli, IN 47454
M-F 8 am - 4:30 pm
Get Directions
800.313.1328

Indianapolis

IU Health Methodist Hospital
1701 N. Senate Blvd
Indianapolis, IN 46202
M-F 8 am - 4:30 pm (by appointment)
317.963.3405

IU Health University Hospital
550 N. University Blvd
Indianapolis, IN 46202
M-F 8 am - 4:30 pm (by appointment)
317.948.2618

Avon

IU Health West Hospital
1111 N. Ronald Reagan Pkwy.
Avon, IN 46213
M-F 8 am - 4:30 pm (by appointment)
317.217.3144

Carmel

IU Health North Hospital
11700 N. Meridian Street
Carmel, IN 46032
M-F 8 am - 4:30 pm (by appointment)
317.678.1303

Fishers

IU Health Saxony Hospital
13000 E. 136th St.
Fishers, IN 46037
M-F 8 am - 4:30 pm (by appointment)
317.678.1303

Muncie

IU Health Ball Memorial Hospital
2401 W. University Ave.
Muncie, IN 47303
M-F 8 am - 4:30 pm (by appointment)
765.213.5678

Health Insurance Marketplace FAQ


Health Insurance Marketplace FAQ


What is the Health Insurance Marketplace?

The Affordable Care Act created the Health Insurance Marketplace, also known as the Exchange. The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins November 15, 2014 for coverage starting as early as January 1, 2015.

Find out more about eligibility at healthcare.gov or get one-on-one assistance from one of our offices by completing the above appointment request form or by calling 888.531.3004.

What kind of insurance can I buy on the Marketplace?

There will be nine Marketplace plans offered in Indiana depending on where you live, however Indiana University Health services will only be covered by certain Marketplace products. 

Learn more about available plans and which cover you at IU Health. 

When can I sign up for a plan? When will I be covered?

There are four key dates you’ll want to mark on your calendar:

  • November 15, 2014: Open enrollment begins
  • December 15, 2014*: Last day to make your first premium payment for coverage to begin on January 1, 2015
  • January 1, 2015: Health plan coverage can start
  • February 15, 2015: Open enrollment ends

*To be covered starting on January 1, you will need to enroll by December 15, 2014.

You can get private health insurance after open enrollment ends, but only if you have a qualifying life event like job loss, birth or divorce.

Where can I get more information or enroll?

To learn more about available plans and for application assistance, request an enrollment appointment with a certified Indiana Navigator by completing the appointment request form above or by calling 888.531.3004.

Get one-on-one assistance with a certified Indiana navigator to help you:

  • find out what financial help you may qualify for
  • find out what plan is best for you
  • fill out your actual health insurance application

Accurate and current information can also be found online at www.healthcare.gov.  If you would prefer to speak with someone on the phone, you can speak with someone 24/7 at 800.318.2596 or TTY: 855.889.4325.

How do I choose which plan is right for me?

There are many things to consider as you compare health plans in the marketplace. You want a plan that provides you with the coverage you need. Some things to consider are the cost of monthly premiums, the maximum out-of-pocket costs and what doctors and hospitals are covered.

Our certified navigators are here to help you make the right choice for you.

Are there different types of plans?

In the Marketplace, health plans are labeled platinum, gold, silver or bronze to help make shopping easier. This helps you understand how much you will need to pay and what the plan covers.

Platinum plans will cover more of your health expenses, but your monthly premiums will be higher. Bronze plans, on the other hand, will have the highest out of pocket costs, but you will typically pay less each month. The different levels do not reflect the quality or amount of care you can expect to receive.

What do plans in the Marketplace cover?

All plans on an exchange have to offer some core benefits – called “essential health benefits.” These include:

  • Outpatient care
  • Emergency services
  • Hospitalization and surgery
  • Maternity and newborn care
  • Mental health and substance use disorder services
  • Prescription drugs
  • Rehabilitative services and devices
  • Laboratory services
  • Preventive and wellness services
  • Chronic disease management
  • Pediatric services

Each individual plan can also offer additional coverage.

Who runs the Marketplace in Indiana?

The Health Insurance Marketplace in Indiana is run by the federal government and can be accessed at healthcare.gov.

Our certified navigators are available to help you

  • find what financial help you may qualify for
  • find the best plan for you
  • fill out your actual health insurance application

Set up an appointment by calling 888.531.3004 today.

What are some of the benefits of the Health Insurance Marketplace?

In the Marketplace, insurers can no longer deny coverage or charge people more based on their health status or pre-existing conditions. This allows many people who were unable to buy coverage in the past to get covered.

The Affordable Care Act provides tax credits and subsidies for individuals who qualify and purchase their insurance through the Marketplace. You can find out more when you apply

Are there different types of plans?

In the Marketplace, health plans are labeled platinum, gold, silver or bronze to help make shopping easier. This helps you understand how much you will need to pay and what the plan covers.

Platinum plans will cover more of your health expenses, but your monthly premiums will be higher. Bronze plans, on the other hand, will have the highest out of pocket costs, but you will typically pay less each month. The different levels do not reflect the quality or amount of care you can expect to receive.

Will I be able to keep my doctor? Or visit any hospital I want?

It depends. The Marketplace offers a variety of health plan options. Some will allow you to see your doctor if they are in your plan’s network – meaning the healthcare provider is contracted to take care of the plan’s members. Depending on which coverage you choose, you may only be covered when receiving care from an in-network provider.

If staying with your current doctor is important, make sure they are covered under the plan you choose.

Our certified Indiana Navigators are available to find the answers to these questions for you.

Will I be able to afford it? Is there any financial assistance available?

By sharing some information about your household and income, you may be able to qualify for savings, which can include lower out-of-pocket costs for copayments, coinsurance, and deductibles. You’ll be able to find out more specifically what savings you may find once you apply for coverage.

Marketplace Insurance Affordability Programs can help to lower the amount some eligible consumers pay for premiums and/or co-payments/coinsurance. Premium Tax Credits (PTC) and Cost-Sharing Reductions (CSR) are the two Insurance Affordability programs. Affordability is achieved through advanced tax credits and reduced cost sharing.

A federal tax credit is available to help people purchase health insurance on the Marketplace. These “premium tax credits” are available immediately upon enrollment in an insurance plan so that families can receive help when they need it rather than having to wait until they file taxes.  Payments of the premium tax credits can go directly to insurers to pay a share of the monthly health insurance premiums charged to individuals and families.

Some people receiving premium tax credits to help pay their premiums may also be eligible to receive cost-sharing reductions to help them pay their cost-sharing charges. These subsidies reduce the deductibles, copayments, and other out-of-pocket charges that people eligible for cost-sharing reductions pay when they use benefits covered by their health plan.

What if someone doesn’t have health coverage in 2015?

If someone who can afford health insurance doesn’t have coverage in 2015, they may have to pay a fee.

They also have to pay for the entire cost of their healthcare and won’t be protected from the kind of very high medical bills that can sometimes lead to bankruptcy.