Navigating Indiana’s Evolving Health Insurance Landscape: What Hoosiers Need to Know
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 […]
Hoosiers Face Big Indiana Health Insurance Increases as ACA Subsidies End
Many Indiana residents are opening their Indiana Health Insurance bills this month to an unpleasant surprise. With the Affordable Care Act open enrollment period now closed for most states, including Indiana, higher premiums are taking effect for thousands of people who buy coverage through the Marketplace. The increase comes after extra federal subsidies, first added […]
IU Health Plans to be Acquired by Anthem
IU Health Plans is a local insurance company owned by Indiana University Health, a non-profit healthcare system. IU Health Plans launched in 2013, offering health insurance plans to individuals, families, and employers. IU Health had a short run with Individual health insurance plans through the ACA. They offered competitive plans with rich coverage. However, IU […]
Elimination of the Family Glitch?
The current administration intends to fix the “family glitch” under the Affordable Care Act (ACA). Under the ACA, an employee may be eligible for a premium tax credit if the employer-sponsored group health plan costs more than 9% of the employee’s income. The “family glitch” disqualified employees dependent from receiving tax credits even if the […]
Small-Group Health Insurance & Inflation
We are now starting to experience the impact of inflation on all industries. The cost of doing business is going up for most industries. Inflation can be devasting on small businesses and force owners to make difficult decisions. One benefit is that small businesses can make changes quickly. When it comes to Indiana Insurance Benefits, […]
2022 A.C.A. Cost Sharing and Out of Pocket Maximums
Under the Affordable Care Act, the U.S. Department of Health and Human Services (H.H.S.) releasing rules on small group and individual health insurance plans and large group health plans. These notices typically impact the out-of-pocket max on a health insurance plan, employer shared contribution limits, and the enforcement of existing rules. 2022 Out of Pocket […]
Supreme Court Upholds ACA
The Supreme Court released its ruling in Texas vs. United States in a 7-2 majority upholding the constitutionality of the Affordable Care Act. The Court found that the plaintiff has not suffered harm by enforcing the individual mandate under the ACA. This ruling did not address whether the individual mandate is a true mandate and […]
The Family Glitch
Under the Affordable Care Act, an employee can qualify for premiums assistance if the current employer costs more than 9.83% of the employee’s income. The “family glitch” is where the dependent’s costs are more than 9.83% of household income. Still, they do not qualify for premiums assistance because the affordability is based on the employee […]
President Biden & Health Insurance
As President Biden becomes the next President of the United States, we are starting to get a glimpse of the agenda when it comes to health insurance. President Biden has strong support for the Affordable Care Act, and every indication is that support will continue under his presidency. The recent proposal called the American Rescue […]
Early Retirement and Health Insurance
One question we field almost on a weekly basis is: “What is health insurance going to cost if I retire before 65?” Under the Affordable Care Act, it is not an easy question to answer because everyone’s situation is different. When trying to budget for individual health insurance it’s important what time of year you […]