Open enrollment for 2026 health insurance coverage is underway, and many Indianapolis residents may see higher premiums and fewer savings as federal subsidies are set to expire next year.
Local health officials and enrollment counselors say now is the time for Hoosiers to review their options carefully — and seek help if needed.
According to the Indiana Department of Insurance, several insurers have filed rate increases averaging more than 30 percent for individual marketplace plans. The hike comes as enhanced premium tax credits, part of the federal relief extended during the pandemic, are scheduled to end in 2025 unless Congress renews them. Without those credits, many families could face hundreds of dollars more in monthly costs.
“People are going to feel this,” said Anita Williams, a health navigator with experience helping families enroll through HealthCare.gov. “The worst thing someone can do right now is ignore those renewal notices or assume their plan will stay the same.”
The open enrollment period for coverage starting Jan. 1 runs from Nov. 1 through Dec. 15. During this time, residents can compare plans, renew existing coverage, or apply for new insurance through the federal marketplace. Those who miss the deadline may have to wait another year unless they qualify for a special enrollment period due to a major life change such as a job loss, birth or move.
Help available across Marion County
Several local organizations are offering free one-on-one assistance to help residents navigate plan options and determine eligibility for savings programs. Certified navigators with groups such as the Indiana Rural Health Association and Community Health Network can assist with marketplace applications, Medicaid and the Healthy Indiana Plan (HIP).
Residents can search for a certified navigator at in.gov/idoi or call 1-800-318-2596 for the federal marketplace helpline. Assistance is also available in Spanish and other languages.
Rising costs ahead
Nationally, health policy experts expect marketplace premiums to rise an average of 20 percent in 2026. If the enhanced premium tax credits are not renewed, middle-income families who previously paid little or nothing for coverage could see sharp increases.
Out-of-pocket maximums — the limit on how much consumers pay for covered care each year — are also climbing. Federal data shows that cap could reach about $10,600 for individuals in 2026.
“Even if premiums look similar, other costs like deductibles and copays may be higher,” Williams said. “This is the year to look closely at the details — not just the price tag.”
What residents can do now
Experts recommend Indianapolis residents take three key steps before selecting or renewing a plan:
- Check income and household changes to ensure eligibility for tax credits.
- Confirm doctor and prescription coverage within each plan’s network.
- Compare multiple options, as switching carriers may save money.
Those currently enrolled in the health insurance marketplace should log in to HealthCare.gov before Dec. 15 to update information and confirm coverage for 2026. Payment of the first month’s premium is required for coverage to begin Jan. 1.
With costs climbing and federal support uncertain, local advocates say awareness and preparation are the best defense.
“Health care is already complicated,” Williams said. “But getting help early can keep families from being blindsided when those bills start arriving in January.”
This reporting is made possible by a grant from the Indianapolis African-American Quality of Life Initiative, empowering our community with essential health insights. https://iaaqli.org/
Contact Health & Environmental Reporter Hanna Rauworth at 317-762-7854 or follow her on Instagram at @hanna.rauworth.
Hanna Rauworth is the Health & Environmental Reporter for the Indianapolis Recorder Newspaper, where she covers topics at the intersection of public health, environmental issues, and community impact. With a commitment to storytelling that informs and empowers, she strives to highlight the challenges and solutions shaping the well-being of Indianapolis residents.
