If you missed the Affordable Care Act (ACA) enrollment deadline, or are between jobs, there could be a medical coverage option for you. Short-term health insurance in Indiana can help in the event of an unexpected medical emergency. 

Can I Buy Short-Term Health Insurance in Indiana?

Yes, you can buy a short-term health insurance plan in Indiana. Hoosiers can purchase short-term health plans that can be renewed for up to 364 days or less (36 months).1 It important to understand a few aspects of Indiana short-term insurance:

  • Policies can be sold year-round with no designated enrollment period.
  • All of the ACA’s 10 essential benefits are not required benefits.
  • People with pre-existing conditions can be denied coverage.

The temporary health insurance coverage offered though short-term plans is not fully comprehensive , but can help you if you end up in the hospital or emergency room. It can also be an alternative to COBRA coverage if you’re between employee-sponsored plans.

Each state is responsible for setting its own regulations for short-term health insurance, so limitations can change.2

Is Indiana Short Term Health Insurance Affordable?

The average premium for short-term health insurance in Indiana is $140 per month.* Benefits, deductibles, and copays can vary between plans, but most provide only minimal coverage.

If you’re healthy and don’t require frequent doctor visits, a short-term plan can be an excellent option. Otherwise, an individual plan sold on the health insurance exchange might prove to be more beneficial. 

Apply for an Indiana Short-Term Health Insurance Plan Today

Compare short-term health insurance plans in Indiana with HealthMarkets today. You can have medical coverage as soon as the next day after you apply in many cases. 


1.IN.gov Retrieved from https://www.in.gov/idoi/files/Short-Term,%20Limited%20Duration%20Consumer%20Piece.pdf. Accessed February 22, 2021. | 2.CBO. September 2020. Retrieved from https://www.cbo.gov/publication/56622 

*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Indianapolis, IN.

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