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The Best Short Term Health Insurance in Indiana

When life changes, your health coverage should not disappear.

Short term health insurance gives you inexpensive, flexible protection when you need it most — whether you are between jobs in Indianapolis, missed open enrollment, or waiting for employer benefits to begin in Fort Wayne.

With Health Insurance Now, you can compare over 25 top-rated carriers across the Hoosier State and get covered fast.

  • Coverage can begin as soon as tomorrow
  • Enroll anytime — no open enrollment required
  • Flexible month-to-month options
  • Coverage available up to 36 months for residents
  • Licensed agents available right now

Call our local hotline immediately to speak with a licensed specialist.
Receive a custom quote in just 5 minutes over the phone.
Live agents are standing by and available now!

Get Your Free Quote Now

  • Call our local hotline immediately to speak with a licensed specialist.
  • Receive a custom quote in just 5 minutes over the phone.
  • Live agents are standing by and available now!

Receive a quote in 5 Minutes over the phone.

Plans & Pricing

Individual Plans –
Starting as low as USD 150–USD 490 per month

Pricing for short term health insurance varies based on the coverage level, deductible, maximum out-of-pocket, and benefit limits you choose.

Member + Spouse Plans –
Typically USD 257–USD 590 per month

Flexible plan designs allow couples to choose the right balance of protection and affordability during life transitions.

Family Plans (Including Children Under 26) –
Approximately USD 370–USD 1,100 per month

Indiana family coverage levels can be adjusted to fit your household’s specific needs and monthly budget.

Optional Add-Ons Available

Vision, dental, and life insurance can often be added for additional protection.

Why Choose Health Insurance Now?

You could try to shop for coverage on your own. Or you could let experts do the work for you. For over 25 years, Health Insurance Now has helped individuals and families navigate the complex world of healthcare coverage.
Here’s why clients trust us:

We Compare 25+ Carriers

We are not tied to one insurance company. We work for you, comparing options across multiple carriers.

We Help You Find the Right Option

Our proprietary comparison process helps residents evaluate multiple plans side by side to ensure strong value.

We Are Faster

Our streamlined enrollment process gets individuals and families covered quickly without the usual paperwork.

We Offer Real Human Support

No bots. No confusing online portals. Just licensed specialists ready to guide you through your temporary coverage options.

We Stay With You After Enrollment

Questions about your policy? Billing concerns? Coverage clarification? Our team remains your advocate long after you sign up.
When you call Health Insurance Now, you are not just buying a policy — you are gaining a dedicated partner.

Finding the Right Plan

The best plan is not about buying the biggest policy — it is about getting the right protection for your specific lifestyle.

When you call our hotline, one of our licensed specialists will ask a few simple questions to understand your needs, budget, and timeline. From there, we compare multiple plans to help you choose coverage that fits without paying for benefits you may not need.

Unlike standardized Marketplace plans (“Obamacare”), this type of coverage gives you flexibility. You are not forced into a one-size-fits-all structure. Instead, you choose deductibles, coverage levels, and timeframes that make sense for your life right now.

Our goal is simple: help residents secure meaningful protection at a price that actually works.

Call now and let us help you find the coverage you need — and nothing you don’t.

Benefits Explained

One of the biggest reasons people choose this type of coverage is simple: affordability.
Many applicants find that short term health insurance plans can cost significantly less than unsubsidized Marketplace coverage — often 30–50% lower premiums, depending on your age and ZIP code.
How is that possible?
These plans are structured differently from ACA Marketplace plans. They are medically underwritten and designed to provide temporary coverage during transitional periods. Because of that structure, premiums are often more budget-friendly for healthy individuals and families.
But affordability does not mean you lose control.
With many plans, you can still choose:
  • Your deductible
  • Coinsurance levels
  • Copay options
  • Maximum out-of-pocket limits
  • Length of coverage

This flexibility allows you to build coverage that fits both your healthcare needs and your financial situation.

It is important to understand that short term plans are not ACA-compliant and generally do not cover pre-existing conditions. However, they are designed to protect you against new, unexpected illnesses or injuries that occur while you are enrolled.

For many people, short term health insurance provides familiar protection for emergency care, hospital services, and doctor visits — without the higher cost of long-term government-regulated plans.

Affordable Quotes in 5 Minutes Over the Phone

Getting an inexpensive quote should not take hours. When you call our hotline, a licensed specialist will ask a few quick questions about your needs and budget. Within minutes, we can review multiple available plans and provide real pricing, not estimates.
  • No open enrollment delays
  • No income verification process
  • No complicated online forms
Just clear answers and straightforward pricing. In many cases, your coverage can begin as soon as the next day.

What Is Short Term Health Insurance?

Short term health insurance is temporary medical coverage designed to protect you during gaps in traditional health insurance.

Unlike ACA Marketplace plans, these plans are available year-round. You do not have to wait for an enrollment window or qualify for a special life event to get protected.

These plans are ideal for:
  • Individuals between jobs
  • Freelancers and gig workers
  • Recent college graduates
  • Self-employed professionals
  • Early retirees under 65
  • Those who missed open enrollment
This coverage provides a practical bridge, protecting you financially while you transition into long-term coverage.
If you need coverage now, you cannot afford to wait.
Call now and speak with a licensed specialist today.

Who Needs This Coverage?

Life does not always move on a predictable timeline. Coverage gaps happen. When they do, this type of plan can step in quickly.

Between Jobs

Lost employer coverage? Temporary insurance can keep you protected until your next benefits package begins.

Missed Open Enrollment

If you missed the ACA enrollment window and do not qualify for a special enrollment period, this may be your only immediate option.

Waiting for Employer Benefits

Many employer plans have a 30–90 day waiting period. Do not stay uninsured during that time.

Self-Employed or Freelance in Indiana

If you do not qualify for subsidies, Marketplace premiums can be expensive. A lower-cost temporary plan can offer a more budget-friendly alternative.

Early Retirees

Retired before 65? Short term coverage can help bridge the gap until Medicare eligibility.
Whatever your situation, Health Insurance Now can help you find the right plan for your needs.

How Much Does Coverage Cost?

One of the biggest advantages of this coverage is affordability.

Many plans cost significantly less than unsubsidized Marketplace plans. Because they are customizable for residents, you can select deductibles, coinsurance, and benefit levels that fit your budget.

You only pay for the time you need coverage. In this state, coverage can last up to 36 months, giving you extended flexibility without a long-term commitment.

The fastest way to know your exact price? Call now and receive a personalized quote in 5 minutes.

How Fast Can You Get Covered?

This coverage is built for speed.
  • No open enrollment restrictions
  • Coverage can begin in as little as 24 hours
  • Quick approval process
  • No income verification required for residents
Accidents do not wait. Illness does not schedule itself. One emergency room visit can cost thousands of dollars. Why risk going uninsured for even a week? Call Health Insurance Now today and secure protection immediately.

Coverage Benefits in Indiana

Benefits vary by plan, but many policies typically include:

Doctor visits

Hospital stays

Diagnostic testing

Flexible coverage periods

Emergency room coverage

Surgical procedures

PPO network access

Budget-friendly premiums

These plans are designed to provide meaningful financial protection during unexpected events.
Important: Short term plans are not ACA-compliant and do not cover every essential health benefit.
Our licensed agents will walk you through every detail so there are no surprises.

Indiana Coverage vs. Marketplace Plans

Understanding the difference can help residents choose wisely.

Short-term coverage

  • Enroll anytime
  • Often lower premiums
  • Month-to-month flexibility
  • Faster approval
  • Broader deductible options
  • Available up to 36 months

Marketplace plans

  • Limited open enrollment periods
  • Income documentation required
  • Standardized benefits
  • May have higher premiums without subsidies
This option is not for everyone — but for many healthy Hoosiers in transition, it can be a smart, affordable solution.

The Financial Risk of Waiting in Indiana

Medical bills are one of the leading causes of financial hardship.

Thousands

A broken bone can cost thousands

USD 30,000

A 3-day hospital stay can exceed USD 30,000

Six Figures

Emergency surgery can reach six figures
Going uninsured, even briefly, exposes your family to massive financial risk. This coverage provides a layer of protection that can prevent one unexpected event from turning into long-term financial damage. The risk of waiting is simply too high.

Don’t Risk Another Day Without Coverage

You have options. You can stay uninsured and hope nothing happens. Or you can protect yourself and your family today.
📞 Call Now — Speak With a Licensed Specialist
Get a free quote in minutes. Coverage can start as soon as tomorrow.
Get a Free Quote

Frequently Asked Questions (FAQ)

What is this type of coverage?
It is temporary medical coverage designed to protect residents during gaps in traditional insurance. It provides financial protection for unexpected medical events.
Most short term health insurance plans do not cover pre-existing conditions. These plans are designed for new illnesses or injuries that occur after your coverage begins.
You can purchase it through licensed brokers like Health Insurance Now. We compare over 25 carriers to help you find the right plan for your budget.
They are offered by private insurance carriers outside of the ACA Marketplace. Availability varies, and we work with multiple carriers to compare your options.
Coverage can last up to 36 months, depending on the carrier and state regulations.
Yes. Many plans can begin as soon as the next day after approval.
For individuals who do not qualify for subsidies, short term health insurance is often significantly more affordable than Marketplace options.
No. This coverage is not ACA-compliant and does not include all essential health benefits required under the Act.
Yes. Health Insurance Now works with carriers across the Hoosier State to help you find options in your specific city.
Yes. You can cancel at any time. There are no long-term commitments for residents.
We compare over 25 carriers and help you evaluate multiple options. Instead of being sold one product, you receive personalized guidance tailored to your situation.

Looking for Immediate Help?

Call our hotline — agents are standing by right now.  Get a quote in 5 minutes!