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How COBRA Insurance Works In Indiana

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.

COBRA Eligibility

Indiana Allows

COBRA Alternative:
Save Up To 70%

Try Short-Term Medical
Starting At
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

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*Based on age and state availability

Continuing Health Insurance Coverage In Indiana

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

Learn about Medicare Advantage

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.


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Health Insurance For Pre-Existing Conditions In Indiana

Continuing on your workplace insurance is a practical idea if you visit the doctor often or take prescription medications. It’s the same health plan that you have been on. You won’t have to start your deductibles over as the plan picks back up at the date that it stopped.

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.

Marketplace / Obamacare

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

The average premium for a silver plan in Indiana is $429/month in 2023, according to the Kaiser Family Foundation.

View Affordable Care Act Plans

Short-Term Health Plans In Indiana While In Between Jobs

Indiana residents can elect a private short-term health plan that offers major medical benefits for new illnesses and accidents. This type of insurance is affordable while in-between jobs.

Short Term Medical Insurance

New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth – Access to prescribing  doctors for common issues

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available In All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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