Indiana Health Insurance 2027: CareSource and Cigna Are Leaving, and Four Insurers Remain
Indiana health insurance 2027 shoppers have fewer choices, because CareSource and Cigna are leaving the individual market at the end of 2026, and the Indiana Department of Insurance’s Rate Watch filings list four insurers selling ACA plans on HealthCare.gov: Anthem, Coordinated Care, UnitedHealthcare, and newcomer AmeriHealth Caritas. Open enrollment runs November 1, 2026 through January 15, 2027, and December 15 is the deadline to have coverage start January 1. Approved increases average about 17%, and the 2027 subsidy cutoff is $63,840 for a single person and $86,560 for a couple.
Which insurers are leaving Indiana’s ACA marketplace in 2027?
Two insurers are exiting.
- CareSource will not offer individual marketplace or off-exchange plans in Indiana for 2027. It announced the exit on May 15, 2026, and existing coverage stays active through the end of 2026, according to Becker’s Payer Issues. About 60,000 Hoosiers were enrolled with CareSource, according to Live Insurance News, which cites healthinsurance.org.
- Cigna is leaving the individual market in all 11 states where it sells, including Indiana, per KFF’s insurer participation tracker. Cigna’s Indiana enrollment has not been published; it covers about 369,000 members across all 11 states.
Healthinsurance.org counts four insurers for 2027, down from five in 2026. Anyone enrolled with CareSource or Cigna must choose a new plan during open enrollment.
Who is selling ACA plans in Indiana for 2027?
The state’s Rate Watch data lists these ACA plans on HealthCare.gov. The county counts show how widely each insurer sells, out of Indiana’s 92 counties.
| Insurer | Approved average increase | Counties | Average 2027 premium |
|---|---|---|---|
| Anthem | 15.8% | 85 | $669 |
| Coordinated Care | 19.8% | 92 | $787 |
| UnitedHealthcare | 27.2% | 36 | $964 |
| AmeriHealth Caritas (new) | Not applicable | 7 | $666 |
Anthem’s approved increases range from 12.2% to 28.1% depending on the plan, so your own plan can move well above or below the average. Coordinated Care sells in every county. UnitedHealthcare expands from 5 counties in 2026 to 36 in 2027, and AmeriHealth Caritas will be available in only 7. The Department of Insurance notes some data changed after the initial posting and that CMS final approval was expected by October 7, 2026, so confirm the final figures on HealthCare.gov. Celtic appears only in the off-exchange listings.
How many Indiana health insurance plans will you have to choose from in 2027?
It depends on your county. In many Indiana counties you will likely see Anthem and Coordinated Care, since they cover 85 and 92 counties, but we cannot tell you from the statewide numbers exactly which insurers appear in your county. The reliable check is window shopping on HealthCare.gov: enter your ZIP code, household size and income to see the plans, premiums and subsidies for your address. Do this before November 1.
How much will an Indianapolis shopper pay in 2027?
The Peterson-KFF analysis of 2027 rates followed a 40-year-old in Indianapolis earning $65,000 who buys an Anthem Heart Healthy Silver plan. Their monthly payment was $316 in 2025 with the enhanced tax credits, $477 in 2026 after those credits expired and premiums rose, and would reach $546 in 2027 if the proposed rates are approved, per the Peterson-KFF Health System Tracker. That is a 73% increase over two years in what this person pays. The same plan’s unsubsidized price was $388 in 2025, so the rise measured against the sticker price is smaller, 41%. For a national view, see why 2027 ACA premiums are rising.
What should you do if your CareSource or Cigna plan is ending?
- Read your discontinuation notice and note the end date, December 31, 2026.
- Window shop on HealthCare.gov now, then compare again when open enrollment opens on November 1.
- Pick a new plan yourself and confirm it by December 15 so coverage starts January 1.
- Check that your doctors, hospitals and prescriptions are covered by each new plan. Networks differ by insurer and by plan.
- Update your income estimate. Earning one dollar over $63,840 as a single person, or $86,560 as a couple, means no premium tax credit, and repayment caps on excess advance credits are gone for tax years after 2025. See how to calculate your real ACA subsidy and the 2026 repayment trap.
If your income is low, check the Healthy Indiana Plan (HIP), the state’s Medicaid program for adults 19 to 64 with income up to 138% of the federal poverty level. HIP is adding work requirements: 80 hours a month of work, school, volunteering or similar activity, starting January 1, 2027 for current enrollees and earlier for new applicants, with exemptions such as pregnancy, caregiving and medical frailty, per the Indiana Capital Chronicle and Indiana Public Media. See our guide to Medicaid work requirements and medical frailty. Confirm the current rules with Indiana FSSA.
What are the coverage options besides an ACA plan in Indiana?
If the remaining ACA plans cost too much or your doctors are out of network, compare these alternatives. Each works differently from ACA insurance, so compare what is covered, not only the price.
Indiana Farm Bureau Health Plans. Not ACA-compliant and medically underwritten, with coverage backed by the UnitedHealthcare Choice Plus network. Indiana Farm Bureau reports average savings of 25% to 50% against unsubsidized ACA plans, and membership costs about $50 a year. Read the full comparison in our Farm Bureau Health Plans guide.
Modern Health Sharing. A Health Sharing arrangement that combines community cost sharing with real advocacy support, helping members navigate the healthcare system as self-pay patients, access transparent pricing, reduce overall healthcare spending, and understand their bills, all in one coordinated approach. Health Share members are not covered by a state-regulated insurance policy, and sharing follows written Member Guidelines. For perspective, KFF found HealthCare.gov insurers denied about 19% of in-network claims in 2024, so read the guidelines of any program, insured or not. Compare in ACA vs. Health Share for individuals and how cost sharing works in a Health Share.
Direct Primary Care. A monthly membership with a primary care doctor for routine visits. It does not cover hospital care, so it is usually paired with another plan. DPC fees can be paid with pre-tax HSA funds up to $150 a month for an individual as of January 1, 2026. See what is Direct Primary Care.
Short-term plans. Medically underwritten and limited in benefits. See short-term medical vs. Health Share.
Employer options and COBRA. An ICHRA lets an employer reimburse an individual plan, and the COBRA math shows what continuing a former employer’s plan costs.
For the broader picture, see our Indiana coverage options guide and open enrollment 2027 dates and deadlines.
Frequently Asked Questions
Which insurers are leaving Indiana’s ACA marketplace in 2027? CareSource and Cigna are leaving the Indiana individual market at the end of 2026.
Which insurers will sell ACA plans in Indiana in 2027? Anthem, Coordinated Care, UnitedHealthcare, and the new entrant AmeriHealth Caritas. Availability varies by county.
When does my CareSource or Cigna plan end? Coverage ends December 31, 2026. Open enrollment runs November 1, 2026 through January 15, 2027, and December 15 is the deadline for a January 1 start.
How much will Indiana premiums rise in 2027? Approved increases average about 17%, from 15.8% for Anthem to 27.2% for UnitedHealthcare, though individual plans vary widely. Your subsidy decides what you pay.
How do I see which plans are available in my county? Use window shopping on HealthCare.gov with your ZIP code, household size and income.
Is a Health Share an option if I am leaving an ACA plan? It can be, depending on your health needs and budget. A Health Share is not insurance and follows written Member Guidelines, so review what is shared and when before joining.
This article is for general informational purposes only and is not insurance, legal, or financial advice. Insurer participation and rate information comes from the Indiana Department of Insurance Rate Watch filings, KFF, the Peterson-KFF Health System Tracker, Becker’s Payer Issues, healthinsurance.org, Live Insurance News, and Indiana Public Media. The CareSource enrollment count is a third-party estimate. Rates reflect approved averages across each insurer’s plans, and CMS final approval may change figures, so your own change may differ. Plan availability varies by county and ZIP code. Health Sharing arrangements, Direct Primary Care, and Farm Bureau plans are not ACA-compliant insurance, and the protections available depend on each organization’s written guidelines or membership agreement. Always confirm plans, prices, subsidy eligibility, and deadlines on HealthCare.gov or with a licensed Indiana insurance agent before making a coverage decision.
By the Modern Healthcare Works team