Indiana Individual Health Insurance for the Self-Employed

Many options exist for plan design, including carriers, network access, and overall plan designs. The best starting point is to determine what your healthcare needs are.

If you purchase the policy to cover you and your dependents, you also need to know their health needs. This could include your spouse’s doctors, your children’s pediatrician, and whether family medications are going to be covered. Before you enroll in a plan, confirm that all physicians and medications are covered.

Being self-employed, choosing a health savings account HSA could be a viable option due to the tax incentives. Many self-employed individuals will utilize pre-tax dollars for all their Indiana Individual Health Insurance and health claim needs.

If you travel out of state frequently, all ACA plans cover the emergency room as in the network. If you temporarily work in a state other than Indiana and your plan does not have network access, you still have emergency room coverage. In the travel scenario, you may look at a carrier with network access out of state; some Indiana carriers have limited out-of-state coverage.

If you are a contracted worker who needs family coverage, your family’s needs must be considered. This typically means that the plan will cost more, as you may want to elect more comprehensive coverage.