Key Facts
The Healthy Indiana Plan (HIP)
Indiana expanded Medicaid in 2015 through a unique program called the Healthy Indiana Plan (HIP). Unlike traditional Medicaid expansion, HIP incorporates consumer-driven principles with a personal health account called a POWER Account.
HIP Plans Explained
- HIP Plus: For members who make their POWER Account contributions. Provides comprehensive benefits including vision and dental, and no copays.
- HIP Basic: For members who don't make contributions. Has copays for services but no dental or vision coverage.
- HIP State Plan: For members with income below 22% FPL. Lower contribution requirements.
Who Qualifies for HIP?
- Adults ages 19-64 with income up to 138% FPL ($20,783/year for individuals)
- Must be Indiana residents
- Not eligible for Medicare or other comprehensive coverage
- U.S. citizens or qualified immigrants
POWER Account Contributions
Monthly contribution amounts are based on income:
- Income 0-22% FPL: $1 per month
- Income 23-100% FPL: About 2% of household income (typically $5-$15)
- Income 101-138% FPL: About 2% of household income (typically $15-$27)
How to Apply
You can apply for HIP through:
- Online at in.gov/fssa/hip
- By phone: 1-877-438-4479
- In person at your local Division of Family Resources office
- Through a certified application counselor
Health Insurance Marketplace
Indiana uses the federal Health Insurance Marketplace at HealthCare.gov. If you don't qualify for HIP or want more plan options, you can shop for private health insurance here.
Available Plan Types
- Bronze: Lower premiums, higher out-of-pocket costs (60% coverage)
- Silver: Moderate premiums and costs (70% coverage) - best for subsidies
- Gold: Higher premiums, lower out-of-pocket costs (80% coverage)
- Platinum: Highest premiums, lowest out-of-pocket costs (90% coverage)
Enrollment Periods
Open Enrollment: November 1, 2024 - January 15, 2025
Note: You can apply for HIP year-round, but marketplace plans have limited enrollment periods unless you have a qualifying life event.
Average Costs in Indiana
Health insurance costs in Indiana vary based on your age, location, plan type, and tobacco use. Here are typical monthly premiums before subsidies:
| Plan Type | Individual (Age 40) | Family of 4 |
|---|---|---|
| Bronze | $320 - $400 | $1,000 - $1,300 |
| Silver | $420 - $520 | $1,300 - $1,700 |
| Gold | $480 - $580 | $1,500 - $1,900 |
| HIP (POWER contribution) | $1 - $27 | Varies by income |
Frequently Asked Questions
What is the Healthy Indiana Plan (HIP)?
The Healthy Indiana Plan (HIP) is Indiana's unique Medicaid expansion program. It covers adults ages 19-64 earning up to 138% of the federal poverty level. HIP uses a consumer-driven model with a POWER Account (similar to an HSA) where members contribute small monthly amounts.
Has Indiana expanded Medicaid?
Yes, Indiana expanded Medicaid in 2015 through the Healthy Indiana Plan (HIP). This unique program provides coverage to low-income adults while incorporating personal responsibility elements like POWER Account contributions.
When is Open Enrollment for Indiana health insurance?
Open Enrollment for 2025 coverage runs from November 1, 2024 through January 15, 2025. Indiana uses the federal marketplace at HealthCare.gov. The Healthy Indiana Plan (HIP) accepts applications year-round.
How much does health insurance cost in Indiana?
The average monthly premium for a benchmark Silver plan in Indiana is approximately $420-520 before subsidies. Many Indiana residents qualify for premium tax credits that significantly reduce costs. HIP members pay only $1-$27 per month for POWER Account contributions.
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