Although Indiana's marketplace offers no PPOs, I can still arrange a nationwide one privately. Here's how landlords plan open enrollment around next year's potential property closing.
Hi, I'm Sam Jaber. I specialize in brokering health insurance, hold licenses in 36 states and help Indiana property owners and managers make coverage decisions over the phone.
Every fall, Indiana real estate investors face an important coverage decision. You're choosing health insurance for the coming year during open enrollment, but you may not know whether a property you're considering selling will actually close. That uncertainty matters because a sale can change your annual income enough to affect premium tax credit eligibility. Meanwhile, the plan you select in November or December is the one you're planning to use throughout the following year. The goal is to account for both possibilities before you enroll.
Indiana offers 80 individual medical plans on its marketplace this year. They're divided among HMOs, EPOs and two POS options, with no PPOs available.
I can help you obtain a nationwide PPO privately in Indiana despite its absence from the marketplace. The insurer evaluates your health to determine pricing. Its national network extends to Kentucky rentals and Ohio visits with a parent.
HealthCare.gov enrollment for 2027 begins November 1, 2026. Enroll by December 15 for a January 1 effective date, or by January 15, 2027, when enrollment closes. Investors should use that period to evaluate what their next financial year may look like.
Marketplace premium assistance depends on your household income during the year you're buying coverage for. Net income from rental properties is included in that calculation. Because rental activity is generally reported on Schedule E, expenses such as property maintenance, management costs, mortgage interest and depreciation are accounted for before arriving at the rental figure. But a potential property sale can change everything. The gain is recognized in the year the transaction closes and may increase your household income enough to eliminate eligibility for the premium tax credit entirely.
If you expect a property sale to move your income above the premium tax credit range, account for that possibility during open enrollment rather than waiting until closing. Receiving advance credits you're likely to owe back doesn't provide much benefit. For tax years after 2025, there's no repayment cap on excess credits. If your household is healthy, compare the full marketplace premiums with a private nationwide PPO. That private application involves medical underwriting. Based on your health answers, the insurer can approve the coverage, decline your application, or approve it with a particular condition excluded. Seeing those alternatives side by side helps you plan for the sale year.
Next step: Call me during open enrollment with your anticipated closing date. I'll compare marketplace and private coverage costs for the coming year.
The hardest situation is when you're genuinely uncertain whether a property will sell. You can enroll through the marketplace using an income estimate based on rental earnings alone and receive a corresponding tax credit. If the property eventually closes, though, report the sale promptly so your advance credit can be adjusted downward for the remaining months. Network selection is also important. Indiana marketplace HMOs and EPOs generally cover out-of-network care only during emergencies, so make sure your household's doctors participate in the plan you choose before enrolling.
Next step: Explain when the closing could happen and how confident you are about the sale. We'll find coverage that makes sense whether it happens or not.
If you keep the property, rental income may leave you eligible for credits, usually making marketplace coverage the better value. When renovation expenses drive reported earnings particularly low, consider the Healthy Indiana Plan. KFF lists eligibility for adults earning up to 138% of the federal poverty level.
Next step: Tell me what rental revenue and repair expenses you anticipate next year. I'll compare your choices for a year without a sale.
Straight answers, no sales pitch.
For 2027 insurance, enrollment runs November 1, 2026 through January 15, 2027. Apply by December 15 if you need coverage effective January 1.
Yes. Property-sale gains enter household income in the closing year and could make you ineligible for premium credits.
Not through Indiana's marketplace, where none of the 80 medical plans is a PPO. I can arrange private nationwide PPO coverage for healthy investors.
Have your tax professional review that. The self-employed deduction is based on business profits, while landlords typically report rental earnings on Schedule E. Your ownership and income structure determine the answer.
Let me know your county, anticipated rental income, possible sale next year and who needs insurance. I'll help select a plan suited to your expected circumstances.
The guide for every state, and other work I help with