Private PPO Health Insurance
in Indiana

Indiana expanded Medicaid through its own model — the Healthy Indiana Plan (HIP 2.0) — which means low-income adults already have a coverage path here. That shifts who the marketplace and private plans are really built for: healthy people above that income line who want more network flexibility. Here's how private PPO coverage fits in.

What We Actually Sell

Castro Coverage specializes in private PPO health insurance: broad nationwide networks, not a narrow local HMO panel, with rates based on your own health profile rather than a flat community rate. For healthy Hoosiers above the HIP income threshold, that's often a better-priced, more flexible option than a marketplace HMO plan.

• Nationwide PPO networks with far more provider choice than a narrow marketplace HMO
• Rates priced on a preferred-health basis — the pricing model rewards healthy applicants specifically
• Low-to-$0 deductible structures available on select plans (plan-specific, always confirmed before you enroll)
• Many plans include telehealth access alongside in-person care

Indiana's Marketplace Landscape in 2026

Indiana residents shop for ACA marketplace plans through the federal HealthCare.gov exchange, with five carriers offering individual and family coverage for 2026. Indiana's Medicaid expansion runs through the Healthy Indiana Plan (HIP 2.0), a unique model with health savings account-like features, covering adults with incomes up to 138% of the federal poverty level — so there's no coverage gap the way there is in non-expansion states.

For 2026, Indiana's marketplace insurers requested an average rate increase of roughly 20%, on top of the enhanced federal subsidies expiring at the end of 2025 nationwide. For healthy applicants above the HIP threshold who don't lean heavily on subsidies, that's a meaningful reason to compare private PPO pricing before enrolling through the exchange.

General market information as of 2026, not a quote or guarantee for any specific plan. Marketplace rules and Medicaid eligibility change year to year — always confirm current details for your situation.

Why Private PPO Often Fits Better Here

If you're healthy, self-employed, or running a business in Indiana and you're above the Healthy Indiana Plan income threshold, a medically-underwritten private PPO plan is frequently priced better than an equivalent marketplace plan — because community rating on the marketplace charges everyone in your area and age band the same rate regardless of health, while a private plan prices to your actual risk. We compare both, starting with private, before ever recommending marketplace.

How It Works

• Tell us your situation — health, budget, and what matters most in a network.
• We compare private PPO plans and marketplace options side by side, across 50+ carriers.
• You pick a plan, we handle enrollment. Zero cost to you, zero pressure.