Best health Insurance plans in

Indiana

in 2025

Choosing a health plan for your business can be complicated and opaque. When evaluating your options, there are a few key factors you should consider:  

• Costs: Evaluate both the premiums (monthly costs paid by the employer and/or employee) and the out-of-pocket expenses (deductibles, copayments, and coinsurance). Balance these against the overall value and coverage provided. 
• Flexibility: Consider whether the options allow employees to choose their insurance based on their own unique needs.  
• Quality of Service: Research the reputation and customer satisfaction ratings of the provider and their network of healthcare providers or health plan options. 
• Compliance: Ensure that the plan complies with all relevant regulations and laws, such as the Affordable Care Act (ACA) requirements if applicable. 
• Feedback from Employees: Gathering input from your employees about their healthcare needs and preferences can provide valuable insights into choosing an option that best meets their expectations.

Venteur administers an ICHRA – an Individual Coverage Health Reimbursement Arrangement. Instead of picking an expensive and inflexible group plan, you set a budget and your employees use Venteur to shop for the plan that works best for them. This allows your employees who elect to enroll in health benefits to pick from the plans available in their state!

Health insurance costs in Indiana are expected to rise significantly in 2026, with approved average rate increases of 26.3% across marketplace plans. Premiums vary based on the plan, your age, and location, but Venteur's platform can help your employees navigate these changes and find a plan that fits their budget.

The "best" health plan is subjective and depends entirely on an individual's unique healthcare needs and financial situation. Venteur empowers employees by providing a marketplace of high-quality plans and the expert guidance needed to choose the one that's right for them, ensuring they feel confident in their selection.

With a Venteur-powered Individual Coverage Health Reimbursement Arrangement (ICHRA), your employees have several straightforward paths to getting health insurance.

• Shop for plans directly on the federally-facilitated Health Insurance Marketplace at HealthCare.gov.
• Use Venteur's AI-powered platform for personalized plan recommendations.
• Connect with a Venteur Certified Broker for expert guidance through the enrollment process.

The Healthy Indiana Plan (HIP) offers several options, including HIP Plus and HIP Basic. HIP Plus typically provides more robust benefits like dental and vision coverage for a predictable monthly contribution. The best choice depends on personal health needs, and Venteur can help your employees understand which option is the most suitable for them.

While official 2026 income limits have not yet been released, the limits for 2025 can provide a general guideline. For 2025, an individual could qualify with an annual income of up to $21,603, while the limit for a four-person household was approximately $44,376. These figures are adjusted annually based on the Federal Poverty Level, so it is important to check the official guidelines for 2026 once they become available.

Comparing plans is the best way to find affordable coverage. Government subsidies can also lower costs, but enhanced federal tax credits are set to expire at the end of 2025, which could significantly increase premiums in 2026 if no new legislation is passed. Venteur simplifies the shopping process, allowing employees to easily compare options and access available savings.