Indiana Health Insurance — Built Around Your Life
Indiana's small business backbone — tradespeople, contractors, family businesses, and solo entrepreneurs — needs health coverage that fits how they actually work. I help individuals, the self-employed, 1099 contractors, families, and small businesses across Indiana — from Indianapolis and Fort Wayne to Evansville, South Bend, and Carmel — find private under-65 plans that fit.
How health coverage works in Indiana
Indiana uses the federal HealthCare.gov marketplace for ACA plans, which are guaranteed-issue and subsidy-eligible if you qualify. But for healthy self-employed Hoosiers who earn too much for subsidies, private under-65 plans can be a more affordable route, often with PPO-style flexibility and year-round enrollment. I compare both honestly and help you choose.
Who I help across Indiana
- Self-employed workers and 1099 contractors who are on the hook for their own coverage
- Families and individuals shopping for a plan outside of work, from Indianapolis to small towns downstate
- Folks whose COBRA is about to run out, or who are between jobs and can't afford to wait
- Small business owners building a plan for themselves and their team
- Early retirees who need to bridge the years before Medicare starts
An independent broker who's still there after you enroll
Independent means I compare your real options and recommend what fits you. One licensed advisor, start to finish, not a call center. Licensed in 31 states, including Indiana. (Ryan Michalek, NPN 21043091.)
Quick answers for Indiana.
Can I buy coverage in Indiana outside open enrollment?
If you're leaning on the federal marketplace, you're usually tied to the open enrollment calendar unless something changes in your life, like losing coverage or a change in your household — that opens a special enrollment window. But that's not your only option; a good number of private under-65 plans are built for year-round enrollment, so we can often still get something started.
Do you serve all of Indiana?
Yes, statewide — Indianapolis, Fort Wayne, or one of the smaller towns downstate, it's all the same to me. Everything happens by phone or video, so where you live doesn't change how we work together.
Is there a fee to work with you?
No. My fee comes from the insurance company after you enroll, not from you, so there's no cost to sit down and go through your options together.
Explore coverage by situation.
Self-employed & 1099
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Families & individuals
Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA & coverage gaps
COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering a team? Explore small business & group coverage → · See all service areas →
A real person — not a call center. No spam calls, no robocalls, no pressure — just my number, and me on the other end.
Let's find your Indiana coverage.
One straightforward call. I'll talk through your Indiana options and what makes sense for you.