In 2026, the Indiana Health Insurance landscape is changing, with big shifts in premiums, Medicaid, and hospital stability. At Nefouse & Associates, we’re here to help you find the right coverage. Whether you need a marketplace plan or an employer-sponsored option, our team offers guidance to help you stay protected and manage your costs.
Hospitals Facing Ongoing Financial Pressures
Indiana hospitals continue to grapple with mounting challenges, as a recent analysis from the Indiana Hospital Association (prepared by Kaufman Hall) shows nearly half operating at a loss, with a median operating margin of just 1.9% in recent data. Rising expenses—driven by labor costs, inflation, and underpayments from Medicaid and Medicare—are outpacing revenue growth. Hospital leaders warn that without support from lawmakers, this could lead to service reductions, closures, or limited access to care across the state. Emergency department visits surged 16.8% in 2025, adding further strain, while many facilities provide substantial charity care above national averages.
These challenges show how important it is to have reliable Indiana Health Insurance to cover essential services and avoid gaps in care. If you’re concerned about provider networks or access in your area, reach out to us to explore plans with strong in-network options.
Significant Indiana Health Insurance Premium Increases Following ACA Subsidy Changes
With the end of enhanced Affordable Care Act (ACA) subsidies in late 2025, many Indiana marketplace plans saw big premium increases in 2026. Average rate hikes for individual plans are about 26.5% before subsidies, and some insurers have raised rates by as much as 31.4% because pandemic-era enhancements ended. As a result, many Hoosiers now face higher out-of-pocket costs, especially those who relied on larger subsidies before.
At Nefouse & Associates, we help clients compare options, including marketplace and employer-sponsored coverage, to manage these increases. It’s important to review your plan now, so contact us for a free review.
Medicaid Transitions and Growth in Employer-Sponsored Coverage
Indiana’s Medicaid unwinding process, completed in prior years following the end of continuous After Indiana’s Medicaid unwinding process ended, continuous enrollment protections, hundreds of thousands of Hoosiers lost coverage as their eligibility was checked again. Many people moved to other programs, and more are now enrolling in employer-sponsored health plans. This shift is especially common for working people who qualify for workplace benefits. Enrollment period (typically 60 days) to join an employer-sponsored plan outside of standard open enrollment windows. This provides flexibility for those affected to secure group coverage quickly and often at a lower cost through employer contributions.
There’s also been growth in ACA marketplace enrollments as a bridge for those ineligible for Medicaid or employer options. Recent changes include MDwise ending participation in Healthy Indiana Plan (HIP) and Hoosier Healthwise programs effective January 1, 2026, impacting members who had to select a new managed care entity (such as Anthem, CareSource, or MHS) during a special open enrollment period. The Indiana Health Coverage Programs continue to issue updates to support smooth transitions and maintain access to care.
If you’ve recently lost Medicaid eligibility, this could be an ideal time to explore employer-sponsored coverage—let us help verify your options and guide you through the process.
Looking Ahead: Indiana Health Insurance Policy and Affordability Efforts
Lawmakers are discussing ways to make health insurance more affordable and sustainable, including expanding benefits for some public roles and reforming hospital reimbursements. In 2026, insurers like Anthem, CareSource, Cigna, Coordinated Care, and UnitedHealthcare are offering plans, with some expanding their coverage areas. Hoosiers have options, but choosing the right plan can be complicated and requires current knowledge.
At Nefouse & Associates, we stay informed on these developments to deliver tailored solutions—whether it’s marketplace enrollment, employer plan comparisons, or transitioning from Medicaid. Contact us today for personalized assistance and ensure your Indiana Health Insurance coverage aligns with your needs in this changing landscape. Stay covered, stay healthy—your well-being is our priority!