INSURANCE
CENTER GROUP
Since 1999
Bloomington | Ellettsville | Salem 812-337-7637
Health Insurance Questions

Health Insurance FAQ

Answers to common questions about individual health insurance, ACA Marketplace plans, group health, short-term health coverage, Medicare, enrollment, subsidies, and plan options.

Other FAQs

FAQ Main Page

Quick Links

If your employer does not offer health insurance, you may be able to enroll in an individual health plan through the ACA Marketplace during Open Enrollment or during a qualifying Special Enrollment Period. Insurance Center Group can help you review individual health options through our HealthSherpa link or over the phone.

Yes. If you enroll in a qualified high-deductible health plan, commonly called an HDHP, you may be eligible to contribute to a Health Savings Account. HSA-compatible plans must meet specific federal requirements, so it is important to verify eligibility before enrolling.

Yes. Child-only health insurance policies may be available on or off the exchange. If a household qualifies for premium tax credits or cost-sharing reductions, those savings are generally only available through the Marketplace.

All ACA-compliant individual and small group major medical plans must cover essential health benefits. The main difference between Bronze, Silver, Gold, and Platinum plans is how costs are shared between you and the insurance company. Gold plans usually have higher premiums but lower out-of-pocket costs when you use care.

Silver plans can vary by provider network, plan design, copays, deductibles, out-of-pocket maximums, managed care rules, geographic rating area, and carrier pricing. Premium tax credits are also based on benchmark Silver plan pricing in your area, which can affect the net cost of different plan choices.

If you live abroad and need temporary coverage while visiting the United States, travel medical insurance may be an option. If you move back to the United States permanently, you may qualify for a Special Enrollment Period to enroll in an ACA-compliant individual or family health plan.

Individual health insurance is generally available during the annual Open Enrollment Period. You may also qualify for a Special Enrollment Period after certain life events such as losing coverage, moving, marriage, divorce, birth or adoption of a child, or other qualifying changes.

Health insurance subsidies, also called premium tax credits, can help lower the monthly cost of Marketplace coverage for eligible households. Eligibility is generally based on household income, household size, access to other coverage, and Marketplace rules.

In many cases, young adults can stay on a parent's health insurance plan until age 26. Eligibility may depend on the plan type and coverage rules.

Yes. Insurance Center Group can help employers review small group health insurance options. Group health coverage depends on employee eligibility, participation, contribution strategy, plan design, and carrier availability. Please contact our office for help with group health quotes.

Short-term health insurance is temporary coverage designed to help fill certain gaps between major medical plans. These plans are not the same as ACA-compliant coverage and may have limitations, exclusions, underwriting, and benefit caps.

Yes. Insurance Center Group can help with Medicare-related coverage options, including Medicare Advantage, Medicare Supplement, and prescription drug plan guidance. Please contact our office for Medicare assistance.

Yes. Individual health insurance can be quoted online through our HealthSherpa link. For group health, short-term health, or Medicare questions, please contact our office so our team can help review your options.

Need Help With Health Insurance?

Get an individual health quote online or contact Insurance Center Group for help with group health, short-term health, and Medicare options.

Quote Individual Health Contact Us Call 812-337-7637