Annual Open Enrollment - NOV 1ST to DEC 15TH

Health Insurance

Indiana Health Insurance Solutions That Work For You

We are a FREE resource to help you sort through ALL your options for health insurance in today’s fast changing insurance landscape.  In fact, we often hear from clients that we are one of the few independent agents who offer assistance with coverage both on and off the marketplace.

We offer traditional health plans from both on and off the marketplace, in addition to other non-traditional and alternative health plans to meet many different types of needs.

What You Need To Know

Before you review your Indiana Health Insurance options, following are important dates and rules regarding health insurance and the Affordable Care Act

Open Enrollment – Nov. 1st – Dec. 15th.  You must purchase your health insurance during the annual open enrollment.  Click for Special Enrollment.

Tax Credit – You may be eligible for a tax credit through the Health Insurance Marketplace to help off-set high premiums.  Use the Subsidy Calculator provided by the Health Insurance Marketplace to determine your eligibility.

Individual Mandate – The individual mandate has been repealed for 2019 and beyond. There is no penalty for not having health insurance.

Pre-existing conditions – You can’t be charged more or denied coverage because of a pre-existing condition.

Your Health Insurance Options

As a FREE RESOURCE to you, the professionals at Miller & Associates Insurance Solutions will help you determine the best health insurance for your needs.  As an independent agent, we work with multiple top-rated carriers to provide more options for you and your family.

Traditional Major Medical Health Insurance

Per the Affordable Care Act, you must purchase your health insurance during the annual open enrollment:

NOV 1st to DEC 15th

Miss the deadline?  Click for Special Enrollment

Health Maintenance Organization Or HMO

An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.

Preferred Provider Organization Or PPO

A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Health Savings Account (HSA)

An HSA is a tax-advantaged bank account tied to certain high-deductible health plans.  It allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.

Health Insurance Marketplace

When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly premium. Families earning up to $94,000 per household can qualify. This equals about 400% of the poverty level. We suggest you the Marketplace Subsidy Calculator to see if you qualify.

Cost Sharing Ministry Plans

A Christian-based health plan wherein members share each other’s eligible medical bills. There are different options for different budgets, as your monthly share is based on your family’s household income.  Unlike a private carrier or the marketplace, open enrollment is year round.

Short Term Health Insurance

Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families.  In the past, short term plans have been available for up to three months, but new federal guidelines allow for plans up to one year, and are renewable for up to three years.  The great thing about short term plans are they are generally less expensive than traditional health insurance, however, they do not provide full coverage and they typically do not cover pre-existing conditions.

Travel Health Insurance

While traveling, your regular health plan only  covers a fraction of medical costs, if the need should arise to seek medical attention. Don’t go without coverage. Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.

Bundle Your Health Insurance

Life Insurance

Protect your family with a variety of Term Life, Permanent Life, Annuities and Final Expense insurance.

Supplemental Insurance

Additional insurance solutions for protecting your income.

Dental & Vision Insurance

Plans provide diagnostic, preventative and corrective services.

Medicare Eligible Recipients

Medicare Advantage, Supplements and Prescription Drug Coverage.