Consumer FAQ

Learn about the Health Insurance Marketplace & your new coverage options through Obamacare 
 

What is the Indiana Health Insurance Marketplace?

 

The Patient Protection and Affordable Care Act (ACA) holds the promise of extending coverage to more than 25 million uninsured Americans through public programs and private-sector health insurance expansions. 

 

Indiana's Health Insurance Marketplace allows eligible individuals to compare health insurance options, select a plan that both meets their budget and their needs and then enroll in the plan they have selected.

 

When does the enrollment period begin?

 

On Nov. 15, the federal government will launch a three-month open enrollment period to offer affordable health care insurance to eligible individuals through the Health Insurance Marketplace.

 

How long is the enrollment period?

 

Individuals can apply and enroll in health coverage through the Health Insurance Marketplace from Nov. 15 until Dec. 31, 2014, with coverage beginning on Jan. 1, 2015.

 
​Nov. 15, 2014 Open Enrollment Begins
Dec. 31, 2014 Health Coverage Can Officially Begin
​Jan. 1, 2015

Coverage Takes Effect

 

What kind of information will the Marketplace provide?

 

The Marketplace will provide Hoosiers with information on insurance options, allow them to pay for the coverage they select and enable them to find out if they're eligible for public health coverage programs such as Medicaid and the Children's Health Insurance Program (CHIP).

 

IHA has identified these additional resources to help you understand your health insurance options under the Affordable Care Act.

 

Will I qualify?

 

Qualifying for the Marketplace will depend on what kind of employer-provided coverage that is available to you. If you have access to employer-provided coverage that is considered "affordable" and meets minimum value, you won't be able to get lower costs on premiums or out-of-pocket costs in the Marketplace.

 

Is there any way to estimate how much I might spend on enrollment?

 

The Kaiser Family Foundation has created a calculator that estimates estimated health insurance premiums and subsidies for individuals purchasing insurance on their own in new health insurance exchanges. With this calculator, you can specify your income level, age and family size to get an idea of what you can expect to spend on health insurance and whether you will be eligible for any subsidies.

 

Contact an Affordable Care Act (ACA) expert.

 

The State of Indiana has created a directory that helps you find out where to direct questions at the federal and state levels. Download the Indiana ACA Communication Directory »