How COBRA Insurance Works In Indiana

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  2. USA State COBRA Rules
  3. Indiana
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Indiana observes the federal COBRA law, which was signed into law on March 1986 as part of the Consolidated Omnibus Budget Reconciliation Act (COBRA). This law requires employers with 20 or more employees to offer continuation of health coverage to eligible employees and their dependents who would otherwise lose their group health coverage due to a qualifying event, such as termination of employment or reduction of work hours.

Indiana and COBRA Health Insurance

For those in Indiana who are changing jobs but still need to keep their health insurance, COBRA insurance is a choice. After a qualifying event, such as a job loss or a decrease in work hours, COBRA rights allow eligible individuals to maintain their group health coverage for a limited amount of time, typically 18 months.

COBRA is a good choice for people who already have health issues and may have a hard time finding individual health insurance options that are within their price range. These people benefit from COBRA insurance because it gives them the assurance that they can keep receiving treatment for their pre-existing conditions.

COBRA Continuation Costs $558/mo on average in Indiana

In Indiana, if you choose to continue your work health insurance you will be responsible for the full premium, including the portion previously paid by your employer.

Applying for COBRA in Indiana

The federal COBRA law allows you to keep your employer-sponsored health insurance if your employer has 20 or more full-time workers participating in the company health plan.

To continue your work health plan, you will need to apply through your employer or a third-party administrator responsible for managing COBRA benefits.

Helpful Resources in Indiana

Affordable Alternatives to COBRA in Indiana

In Indiana, the average health insurance premium is $558/mo per individual. If COBRA is unavailable or is outside of your budget, here are affordable other options for health coverage.

The cost of health insurance is determined by your age and state of residency.

Basic Health Solution
Virtual Doctor Visits, Prescription Savings
Access Teladoc telehealth, prescription savings, and identity theft protection.
Great for Pre-Existing Conditions
Affordable Care Act
Similar to work health insurance. Marketplace plans may include subsidies to significantly reduce your cost.
New Illness or Injury Coverage
Short-Term Medical
Covers unexpected illnesses or injuries.
Compare plans starting at $80/mo
Accident-Only Insurance
Up to $1 Million Coverage
Covers accidental injuries and includes Teladoc. Starting at $40/mo.
Limited Indemnity
Fixed-Benefit Plan
Pays fixed benefits for covered medical events. Includes Teladoc.
Telehealth Only
$19.95 per month
Physicians available for common issues and prescription refills.
Vision Insurance
Nationwide Network
Annual exams, frame or contact allowances, nationwide provider network.
Dental Insurance
PPO Access
Access 471,000 PPO points. Covers 300-plus dental procedures nationwide.

Affordable Care Act for Pre-Existing Conditions Indiana

Like employer-sponsored group health plans, all Affordable Care Act (ACA) marketplace plans are required to cover pre-existing conditions without exception. These plans also include a comprehensive set of essential health benefits, which means they must cover doctor visits, hospital care, emergency services, surgeries, maternity and newborn care, mental health treatment, and prescription medications. This ensures that individuals and families receive broad, reliable coverage regardless of their health history.

Get an ACA Health Plan Quote

Budget-Friendly Health Coverage Solutions

In Indiana you can bridge a gap using one of the following plans:

Health Continuation Laws by State