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"Health Insurance Rates Looking Scary? Don't Worry, Talk to Larry"
Larry Medcalf, CLU®
July 31, 2020
|
Larry Medcalf, CLU®

How Much Does Health Insurance Cost in Indiana?

How much does Health Insurance cost in Indiana?

Health Insurance is said to be the most important out of all insurance plans and every family or individual should have a secure and reliable health and medical insurance plan. However, it is true that most families are unable to afford this service; either because they overestimate the costs or are unaware of cheap insurance plans. If you live in Indiana and are searching for a solid health insurance plan, worry no more! Read ahead to find out all you need to know about Health Insurance and its costs in Indiana.

INDIANA COMES IN AS ONE OF THE FIVE CHEAPEST STATES FOR LOW COST HEALTH INSURANCE!

Here’s good news for all those planning to apply for health insurance plans! Indiana has been declared number 1 out of the five cheapest states in regards to health insurance and benefits cost.  Indiana has an average monthly premium of $278 which is relatively affordable compared to other states. To top this off, Indiana also offers various other plans to help cater all income groups and ensure that everyone has access to health insurance plans regardless of their income and class.  This is a big change from just a few years ago.

TYPES OF HEALTH INSURANCE IN INDIANA

·         ACA MARKET PLACE PLANS (Obama Care)

       ACA or Affordable Care Act Plans were introduced under Obama’s leadership and the sole purpose of this plan was to make health insurance accessible to all public groups. Before Obama Care was introduced, health insurance companies had the option of deciding an annual limit over their insurance spending but since ACA has been introduced, there is no limit over essential health care spending. ACA plans also covers vital medical factors which are costly such as birth pills and lifesaving drugs.  If you cannot afford private health insurance, opting for ACA is the best option as it relatively less costly and provides various benefits. 

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Believe it or not, Indiana was reported to have some of the lowest average individual health insurance rates in the country for 2019.
Individual Term Plans

These are private health insurance plans. You can contact the insurance companies directly or hire a broker to fix your insurance plan on your behalf. To hire brokers or search for valid and suitable health insurance plans, you can log onto http://indyhealthagent.com/.  Most popular private health insurance companies in Indiana are: United Healthcare, IHC, ASPEN, National General, and Companion Life.

Indemnity Plans

Indemnity health insurance plans are relatively more costly than your average plans. There is no restriction of hospitals and the insurance company reimburses the medical bills incurred to the client. If you can afford to spend a higher portion of your income on health insurance plans then indemnity plans is the best option to go for. The most reliable indemnity health insurance company in Indiana is Freedom Life (US Health)

Medicare Plans

Medicare or Medicare advantage plans are contracts between private health insurance companies and Medicare. These plans come in two parts; A and B. Both the plans have different qualification criteria such as age, income etc. The plans cover most of the health care benefits and are cheaper than private plans. You can apply for Medicare insurance plans at http://medicare.gov/.

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Indy Health Agent - Indiana Health Insurance
5868 E 71st St Suite E-593 Indianapolis, IN 46220
larry@IndyHealthAgent.com
P (317) 296-8881

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14149 Peek Dr Athens, AL 35611
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P (256) 760-3111

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3506 E 18th Ct Sheffield, AL 35660
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P (256) 978-4555

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Larry Medcalf is an Alabama & Indiana health insurance agent licensed in Indiana, Ohio, Michigan, Alabama, Texas, New Jersey, Georgia, Tennessee, Florida, West Virginia, South Carolina and North Carolina. Not all Services and products are available in all states. Agent may be compensated based on enrollment in a health plan. Agents will not provide tax or legal advice. Contact a tax or legal professional to discuss details regarding your individual circumstances. Quotes are provided for your information only. All quotes are estimates and are not final until you are enrolled.
Attention: Medcalf Advisors is a local Alabama & Indiana health insurance broker and the operator of this website and is not healthcare.gov. In providing the website Medcalf Advisors is required to comply with all applicable laws, including the standard to protect the security of PII (personally identifiable information). This website may not show all data on ACA Plans being offered in your state. To see all ACA Plan options in your state, go to HealthCare.gov. If you are looking for an Alabama or Indiana health insurance you came to the right place. Larry Medcalf is a local Alabama & Indiana health insurance agent with almost 15 years experience. We can help you with Alabama & Indiana health insurance (and most other states), life insurance, dental insurance, vision insurance, long term insurance, disability insurance and more.

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