Dept. of Insurance warns Hoosiers to be cautious of discount offers for insurance plans

The Indiana Department of Insurance is issuing a warning to Hoosiers seeking health insurance coverage through the Federal Marketplace.

The department advises caution regarding websites offering rewards like debit or cash cards in exchange for signing up through them. These "lead generating" websites collect users' personal information and may provide inaccurate information about insurance coverage. The department urges Indiana residents to exercise skepticism regarding third-party websites promoting marketplace health plans and incentives.

"Consumers should verify information directly through official marketplace resources before entering any personal details or selecting a plan," said Alexandria Peck, Indiana Department of Insurance Chief Deputy Commissioner of Compliance.

If you suspect fraud, contact the Indiana Attorney General's office at www.in.gov/attorneygeneral/consumer-protection-division.

"If you need assistance, an Indiana Navigator can assist you with the process of signing up for marketplace coverage or you can contact an insurance agent," Peck said. You may work with an Indiana Navigator in any county in Indiana free of charge. To find a navigator in your area, visit https://in.accessgov.com/idoi/Forms/Page/idoi/find-a-navigator/1.

The Indiana Department of Insurance provides a Marketplace Insurance Providers Map to help you determine what insurance providers are in your county. Hoosiers may be entitled to enhanced financial assistance and subsidies via the American Rescue Plan and the Inflation Reduction Act.

Visit Healthcare.gov to learn about the different types of plans offered through the marketplace.

Important Dates

December 15, 2023: Last day to enroll in or change plans and pay the first month's premium for coverage to start January 1, 2023.January 15, 2024: Last day to enroll in or change a 2024 health plan and pay the first month's premium for coverage to start February 1, 2024. After January 15, 2024, you can enroll in or change plans only if you qualify for a Special Enrollment Period.