In today’s more complex insurance environment, health insurance can be confusing, complicated, and difficult to understand. The Department has staff that can answer questions, explain how to navigate the use of health insurance, and assist Hoosiers in understanding their coverage.
Health insurance can be purchased on either an individual or group basis and the terms and requirements are very different for each one. Many of the ‘mandates’ for coverage issued by the state legislature will not always apply the same to group and individual policies.
When purchasing individual insurance it is important that you secure help from a professional agent or broker, or someone else acquainted with health insurance. You should ask for multiple company quotations and prices for comparison. You should also check the financial condition of the insurance company you ultimately select.
This information is available through our website under the A.M. Best link.
Questions to consider before purchasing insurance
Health Insurance Portability and Accountability Act (HIPAA)
High Risk Pool
The Indiana Comprehensive Health Insurance Association high risk pool was closed to new business effective with the implementation of the Affordable Care Act on January 1, 2014. All insured’s are eligible for coverage and cannot be denied coverage if they apply during open enrollment through Healthcare.gov. If someone loses credible coverage they are eligible for a Special Enrollment Period (SEP) for 60 days after they lose the coverage.
Healthy Indiana Plan
The Healthy Indiana Plan is for uninsured Hoosier adults between the ages of 19-64. For more information, visit the Healthy Indiana Plan's web site at the following link:
Grievance Reports
Grievance Reports are a composite record of consumer grievances and appeals to illustrate insurance companies’ and HMOs’ past performance. The report is prepared from the data supplied to the Department from the companies on a yearly basis.
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