Health insurance brokers in Indiana

• 80 hrsa month of work, school, training or volunteering many HIP adults must show from January 1, 2027
• 300,049Hoosiers signed up for 2026, yet KFF found 28 percent fewer kept coverage than the year before
• $0what it costs a Hoosier to use a broker like me

HIP is changing, and it starts before January

The Healthy Indiana Plan, HIP, is how Indiana covers low income adults. From January 1, 2027, many HIP members aged 19 to 64 must show at least 80 hours a month of work, school, job training, an apprenticeship or volunteering, or earn at least $580 a month, unless they qualify for an exemption such as pregnancy, caring for a child under 13, or a disability or serious health condition.

HIP had already shrunk before a single hour was checked, from about 671,000 members in April 2025 to roughly 487,000 by June 2026. Some of those people found other coverage. Some of them simply lost track of the paperwork.

If HIP is ending for you, or you think it might, do not assume the marketplace is automatically your answer, and do not assume it is closed to you either. The rules on who gets a subsidy after leaving Medicaid are specific, and I would rather look at your actual situation than guess. Sometimes the right answer is getting your HIP paperwork in order, and that ends with me selling you nothing.

Indiana's marketplace had a rough 2026

300,049 Hoosiers signed up for a marketplace plan for 2026. The number that matters more is how many kept it. KFF found effectuated enrollment in Indiana fell 28 percent, and Indiana was one of the states where fewer than 70 percent of people who picked a plan still had it in February. The enhanced premium tax credits had expired, and the first real bill was higher than people planned for.

About 8 in 10 Indiana exchange enrollees qualified for premium subsidies in 2026. If you walked away because the price looked impossible, it is worth checking whether your subsidy was estimated correctly before you rule the market out again.

What changes for 2027

Indiana is also losing CareSource, which holds nearly 60,000 Indiana marketplace policies. Between the two carriers, a large share of the state will be choosing a new plan at the same time. The Indiana 2027 carrier change page covers what the letters mean and what to do with them.

Open enrollment dates for 2027 coverage in Indiana

Indiana does not run its own exchange. It uses the federal marketplace at HealthCare.gov, so Indiana follows the federal calendar.

• November 1, 2026Open enrollment begins for 2027 coverage
• December 15, 2026Last day to choose a plan that starts January 1, 2027
• January 15, 2027Open enrollment closes

Outside that window you need a qualifying life event, usually with a 60 day window. Losing job based coverage, moving, marriage, a new baby, or aging off a parent's plan at 26 all count. In Indiana, losing HIP coverage deserves a call before you assume anything, because what you can do next depends on why the coverage ended and on your income.

Every 2027 change in Indiana, carrier by carrier →

How to choose a health insurance broker in Indiana

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Indiana agents can be checked through the Indiana Department of Insurance licensing and license lookup, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and compares across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is identical whether you enroll through a broker, on your own, or directly with the carrier. Nobody should charge you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Indiana, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check your subsidy eligibility properly, then compare the plans you qualify for side by side, with the real monthly cost after any subsidy is applied. You pick. I handle the enrollment paperwork, and I stay your point of contact afterward for claims questions, renewals, and life changes.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Indiana

Statewide. Most of my work happens over the phone or a video call, so where you are in Indiana changes nothing about the process.

• Indianapolis
• Fort Wayne
• Evansville
• South Bend
• Carmel
• Fishers
• Bloomington
• Hammond
• Gary
• Lafayette
• Muncie
• Noblesville
• Terre Haute
• Greenwood
• Kokomo
• Anderson
• Elkhart
• Columbus
• Westfield
• Mishawaka

I am also licensed in 30 other states, so if you are moving or splitting time between two states, that usually is not a problem either.

Who I help most in Indiana

According to the U.S. Census Bureau, 7.5 percent of people in Indiana had no health insurance in 2024, below the national rate of 8.2 percent.

Individuals and families buying their own coverage, self employed people and 1099 contractors, small business owners, people who just lost employer coverage, and early retirees bridging the gap to Medicare. In Indiana this year I am also spending real time with households sitting near the line between HIP and the marketplace, because that line is about to matter more than it has in years.