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PPO Health Insurance in Indiana for the Self-Employed: Where to Find It
Ask for a PPO on HealthCare.gov in Indiana and you'll mostly find HMOs and EPOs. Here's why, and where PPOs still live.
Why marketplace PPOs vanished
Guaranteed-issue plans attract the highest-cost members, and broad PPO networks are expensive to run for that population. Carriers like Anthem, Ambetter, CareSource, Oscar, and UnitedHealthcare responded by narrowing networks and dropping out-of-network benefits. The result: most individual plans in Indiana are built around one hospital system.
Where PPOs still exist
In the private shared-network market. Carriers lease the national Cigna, Aetna and PHCS PPO PPO networks — the same networks large employers use — and sell underwritten plans on them. No referrals, any in-network specialist, coverage in every state. For self-employed people who travel or want to choose their own doctors, this is usually the only way to get a PPO.
What a Indiana PPO costs
For healthy individuals, roughly $290–$600 a month depending on age and deductible; families roughly $800–$1,300. You can see live prices on our quoter.
Who qualifies
These plans are underwritten. Generally healthy applicants with no major pre-existing conditions. If that's not you, a marketplace plan is the right answer and we'll say so. Indiana's Healthy Indiana Plan covers lower-income adults, so the people still shopping the marketplace are mostly above the subsidy range — the group private plans are built for.
Check your options to see the PPOs available in your ZIP.