Open Enrollment Fact Sheet – What to Know to Get Coverage for 2025
The Health Insurance Marketplace Calculator provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act.
GENERAL FACTS FOR 2025
You should review your plan each year to ensure it meets your health and budget needs. Open Enrollment for 2024 is November 1, 2024, to January 15, 2025. The carriers offering individual Marketplace coverage in 2025 are Anthem, CareSource, Cigna, MHS/Ambetter, and US Health and Life dba Ascension Personalized Care. Certified Indiana Navigators are available to help you enroll in a plan.
2024/2025 Individual Marketplace Coverage in Indiana
| Company Name | Number of Counties | Number of Bronze Plans Offered | Number of Silver Plans Offered | Number of Gold Plans Offered | Number of Platinum Plans Offered |
|---|---|---|---|---|---|
| Aetna | 18 | ||||
| Anthem | 87 | 8 | 10 | 3 | |
| CareSource | 92 | 5 | 6 | 2 | |
| MHS Ambetter | 92 | ||||
| Cigna | 8 | 8 | 6 | 2 | |
| US Health and Life dba Ascension Personalized Care | 8 | 4 | 4 | 1 |
The companies listed above are the only companies that are approved to sell individual Marketplace plans. If you are contacted by or receive information about another company trying to sell you individual Marketplace plans and the company is not listed above, please contact the Indiana Attorney General’s Office.
For specific county information, please visit Marketplace Insurance Providers by County for 2024.
THE PROCESS FOR GETTING COVERAGE
Hoosiers should use the steps outlined below to complete their plan enrollment. Certified Navigators are available to answer questions and help you throughout the enrollment process.
- Review
- Review your coverage
- Look for a letter from your insurance company about how benefits and costs may change next year.
- Update
- Log in to the federal Marketplace starting on November 1 and update your 2025 application.
- Make sure your household income and other information is up-to-date for next year.
- Compare
- Compare your current plan with other plans that are available in your area.
- Choose
- Select the health plan that best fits your budget and health needs.
- What hospitals and doctors are “in-network”?
- Are your current medications covered by the plan?
- Is there a deductible associated with my medications?
- Is a prior authorization required in order to have my medications covered?
- Ask to look at the Summary of Benefits and Coverage
- Select the health plan that best fits your budget and health needs.
- Enroll
- Enroll in a plan from November 1, 2024, to January 15, 2025.
- Pay your first month’s premium by December 15, 2024, for your coverage to start on January 1, 2025
WHAT TO DO IF YOUR 2024 COVERAGE WILL NOT BE AVAILABLE FOR 2025
For Marketplace Plan Enrollees
The Centers for Medicaid and Medicare (“CMS”) will automatically enroll you in another Marketplace plan with the same or a different insurance company. You do not have to stay in this plan if it does not work for you and can enroll in a different plan on healthcare.gov during Open Enrollment. If you do not enroll in a different plan on healthcare.gov, you will remain in the plan that CMS selected for you. Regardless of what plan you will have for 2024, you must pay the first month’s premium to make your plan effective. You will receive two notices: one from your current insurance company and one from CMS.
| Insurance Company Notice Information | CMS Notice Information |
| When your current plan ends | The plan name for the new plan you are enrolled in |
| When you can select a new plan | The plan ID for the new plan you are enrolled in |
| What you need to do to select a new plan | The option to enroll in a different plan |
| Contact information for the Marketplace | Contact information for the Marketplace |
For Off Marketplace Plan Enrollees.
You will not be automatically enrolled in a plan like a person enrolled in a Marketplace plan. You will actively need to select a plan during Open Enrollment. You must pay the first month’s premium to make your plan effective. You will receive a notice from your current carrier, which will contain:
| Insurance Company Notice Information | |
| When your current plan ends | What you need to do to select a plan |
| When you can select a new plan | Contact information for the Marketplace |
Additional Resources
- Indiana Marketplace
- Indiana Medicaid
- Indiana Medicare