You can still get a nationwide PPO in Indiana, even though none of the state's marketplace medical plans is one. Here's how builders in the fast-moving Indianapolis suburbs, and across Indiana, are covering their families for less.
Hi, I'm Sam Jaber. My work is health insurance, my office is in Tampa, Indiana is one of my licensed states, and we can do all of it by phone.
Drive north out of Indianapolis through Carmel, Fishers, Westfield and Noblesville and you'll see why Indiana builders stay busy: neighborhood after neighborhood, plus remodels, additions and basements finishing out older houses around the metro. A lot of superintendents and carpenters saw that and started their own firms. Coverage became their purchase, and this year it got more expensive, from a marketplace that doesn't sell a single PPO.
Wherever you build, you can still get a nationwide PPO in Indiana, and I can set it up for you.
HealthCare.gov can't. Indiana's marketplace has 80 individual medical plans for 2026, from 5 insurers, in all 92 counties: 45 HMOs, 33 EPOs and 2 POS plans. No PPOs. HMOs and EPOs generally pay for care outside their network only in an emergency. A PPO covers out-of-network doctors too, at a higher cost to you, and doesn't need a referral. Medically underwritten private plans offer that on national PPO networks, with a price set by your health.
The Indiana Department of Insurance reports an overall approved average rate increase of 27.2% for 2026 individual plans. If your household qualifies for the federal premium tax credit, much of that is absorbed. If it doesn't, you pay the increase.
For a builder, the income that decides it is what the company actually keeps once materials, subcontractors, vehicles, machines, permit fees and insurance are paid. Busy firms around Indianapolis often land past the credit's reach, and that's the situation this page is built around.
A growing firm, a healthy household, and a renewal notice that jumped. That's the Hamilton County builder I have in mind here, and it's common across the state.
That household should get a quote on a private nationwide PPO that uses medical underwriting. The application digs into your health history, and the company can accept it, reject it, or accept it while carving out something you've been treated for before. For people in good health, that review is exactly what keeps the price below Indiana's full marketplace rate. You also trade a regional HMO or EPO for a network that works on a job in Ohio, a trip to Michigan or a college town out of state. Each plan sets its own benefits, so we read them before you decide.
Next step: Phone me with your county and everybody's ages, and you'll get a nationwide PPO quote set beside Indiana's marketplace options.
Smaller remodelers and young firms often net into this range. There, the federal credit is the biggest discount you'll find, and it only works on HealthCare.gov. We'd choose among the HMO, EPO and POS options for the one that already lists your family's doctors. When a large job closes and your year comes in higher, tell the marketplace promptly.
Next step: Bring last year's return and your signed jobs to a short call, and we'll choose an estimate and a plan together.
Ongoing treatment in the family changes my advice: keep the marketplace, full price or not, because nobody there can be declined or charged extra over a diagnosis. Private underwritten plans offer no such protection. Our job becomes matching your specialists to the right network.
Next step: List the doctors and prescriptions your household relies on, and I'll tell you which Indiana plans near you include them.
If bids dry up or the firm is brand new, household income can fall sharply. The Healthy Indiana Plan, Indiana's version of the Medicaid expansion, takes adults whose income is no more than 138% of the federal poverty level, which puts a floor under a lean year.
And remember: workers' comp is for injuries on a job site. It won't pay for an illness or a checkup.
Next step: Call me if your year has gone lean and we'll see whether HIP or a marketplace plan fits right now.
Straight answers, no sales pitch.
No medical PPO is sold there for 2026; the lineup is HMOs, EPOs and two POS plans. If you're healthy, I can get you a nationwide PPO from outside the marketplace.
The Indiana Department of Insurance reports an overall approved average increase of 27.2% for individual plans.
Possibly. The Healthy Indiana Plan covers adults with income up to 138% of the federal poverty level.
Yes. Workers' comp pays for injuries from work and that's all. Sickness, physicals and your family's care call for a separate health plan.
Share the county you live in, who you'd cover and a ballpark for the firm's profit last year. I'll show you real prices for the path that fits your family, and tell you if your current plan is already the better buy.
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