Nationwide PPO insurance is still available in Indiana, although the state marketplace doesn't offer any PPO medical coverage. Here's how home builders around Indianapolis and throughout Indiana are finding lower-cost protection for their families.
Hi, I'm Sam Jaber. I specialize in health insurance, hold a license in Indiana, and work with my clients entirely over the phone.
Head north from Indianapolis through Carmel, Fishers, Westfield and Noblesville. New subdivisions seem to follow one another, while older metro homes need remodeling, additions and basement finishing. That steady construction activity has encouraged plenty of carpenters and superintendents to open their own businesses. Once they do, they have to purchase household insurance themselves. This year those premiums rose, and Indiana's marketplace doesn't offer even one PPO.
No matter where your contracting business operates in Indiana, I can help you arrange a nationwide PPO.
You won't get a PPO through HealthCare.gov in Indiana. For 2026, the state's 92 counties share a marketplace lineup of 80 individual medical plans from 5 insurers: 45 HMOs, 33 EPOs and 2 POS plans. Not one is a PPO. HMOs and EPOs generally exclude nonemergency services outside their provider networks. PPOs cover some out-of-network care without referrals, although your costs are higher. Private plans using medical underwriting offer nationwide PPO networks, with premiums based on your health.
The Indiana Department of Insurance reports that approved individual-plan rates rose an average of 27.2% for 2026. Federal premium tax credits can offset much of that increase for qualifying households. Without eligibility for the credit, the higher premium comes out of your pocket.
What matters for subsidy eligibility isn't your construction company's total sales. It's the profit remaining after you pay for materials, subs, vehicles, machinery, permits and insurance. Many busy Indianapolis-area contractors earn beyond the credit limit, which is the situation I'm focusing on here.
Think of a Hamilton County builder with a growing construction company and a healthy family, opening a renewal notice showing a major premium jump. That's a situation contractors throughout Indiana recognize.
For that family, I'd quote a private nationwide PPO with medical underwriting. The insurer reviews your medical history and decides whether to approve coverage, decline it, or approve it with an exclusion for a previously treated condition. Healthy applicants can benefit from premiums below Indiana's full marketplace prices because of that screening. Instead of a locally focused HMO or EPO, you'd have a network extending to jobs in Ohio, visits to Michigan or an out-of-state college. We'll also review the specific benefits before choosing, since each policy is different.
Next step: Call me with your county and the ages of everyone needing coverage. I'll put a nationwide PPO quote alongside the marketplace choices in Indiana.
Smaller renovation companies and newer builders frequently qualify for premium credits. In that income range, the federal credit usually produces the greatest savings, and it's available only through HealthCare.gov. I'd compare the HMO, EPO and POS plans to find one covering your family's existing doctors. If a major project finishes and increases your annual income, update the marketplace right away.
Next step: Let's have a quick call with your previous tax return and contracted jobs available. We'll estimate your income and select the coverage together.
A newly opened firm or a shortage of projects can bring household earnings way down. Indiana's Medicaid expansion program, the Healthy Indiana Plan, covers eligible adults earning up to 138% of the federal poverty level, providing an option during financially difficult years.
Keep in mind that workers' compensation only handles injuries connected to work. It doesn't cover routine medical exams or illnesses.
Next step: If profits have dropped this year, give me a call. We'll check whether the Healthy Indiana Plan or marketplace coverage is the appropriate option now.
Straight answers, no sales pitch.
There isn't a medical PPO available there through the 2026 marketplace. Instead, you'll find HMOs, EPOs and two POS plans. If you're in good health, I can help you look at nationwide PPO coverage outside the marketplace.
For individual health insurance, the Indiana Department of Insurance says the approved rate increases average 27.2% overall.
You may qualify. Indiana's Healthy Indiana Plan serves eligible adults whose income doesn't exceed 138% of the federal poverty level.
Yes. Workers' compensation is limited to work-related injuries. A separate health insurance plan is needed for illnesses, routine physicals and your family's healthcare.
Let me know your county, who needs insurance, and roughly how much your company earned after expenses last year. I'll price the choices that suit your household and explain whether switching makes sense or your existing plan is already better.
The guide for every state, and other work I help with