You can still get a nationwide PPO in Indiana, even though the marketplace sells none. Here is how investors use open enrollment to match next year's coverage to the sale they expect.
Hi, I'm Sam Jaber. I broker health insurance from Tampa, I'm licensed in 36 states, and Indiana landlords and property managers can handle this whole decision with me over the phone.
This page is about a decision Indiana investors make every fall: choosing next year's coverage during open enrollment, while knowing that a property sale may or may not happen. The sale decides whether you get help with premiums, and the choice you make in November or December sets you up for the whole year.
Indiana's marketplace has 80 individual medical plans this year, made up of HMOs, EPOs and two POS plans. None of them is a PPO.
You can still get a nationwide PPO in Indiana by stepping off the marketplace, and I handle that. Pricing follows a health review, and the network is national, so a rental in Kentucky or a parent in Ohio sits inside it.
For 2027 coverage, HealthCare.gov opens enrollment on November 1, 2026. Pick a plan by December 15 to be covered from January 1; the door shuts on January 15, 2027. That's the window to decide, as an investor, which kind of year you're planning for.
The marketplace credit is based on household income for the coverage year. What your rentals net counts toward that income, and since rentals generally go on Schedule E, it's measured after upkeep, management, loan interest and depreciation. The swing factor is a sale: its gain lands in the closing year and can lift you clear out of the credit range.
If the gain will push the year past the credit range, plan for that at open enrollment. Taking an advance credit you'll likely have to repay doesn't help, and for tax years after 2025 there's no cap on what you'd return. A healthy household is better off pricing a private nationwide PPO against unsubsidized marketplace plans; with the PPO, an underwriter decides from your answers whether to approve, decline or approve with an exclusion.
Next step: During open enrollment, call me with the expected sale date and I'll price both paths for the year ahead.
This is the trickiest case. You can enroll in a marketplace plan with a credit based on a rent-only estimate, but if the sale does close, report it right away so the advance credit drops for the rest of the year. Choose a plan whose network includes your doctors, since Indiana's HMOs and EPOs generally pay outside their networks only in emergencies.
Next step: Tell me how likely the sale is and when it might close, and we'll choose coverage that holds up either way.
With no sale, rents alone may keep you in the credit range, where a marketplace plan is usually the more economical choice. And if a big rehab drags paper income way down, check the Healthy Indiana Plan, open to adults up to 138% of the federal poverty level by KFF's count. If someone in the household has ongoing health needs, the marketplace is the safer home regardless.
Next step: Walk me through next year's rents, repairs and any health needs, and I'll show you which option fits a holding year.
Straight answers, no sales pitch.
During open enrollment: November 1, 2026 to January 15, 2027 for 2027 coverage, with December 15 the deadline for a January 1 start.
Yes. The gain counts toward household income in the year it closes and can move you past the credit range.
Not on the marketplace; its 80 Indiana medical plans skip PPOs entirely. Investors in good health can get a nationwide one privately through my office.
That question belongs with whoever prepares your return. The self-employed deduction is measured against business profit, and landlords generally report rentals on Schedule E instead, so the answer turns on how your holdings are set up.
Tell me your county, what rents look like, whether you expect to sell next year and who needs coverage. I'll help you pick coverage for the year you're about to have.
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