Medicare in Indiana: 2026 Plans, Costs, and Enrollment Guide

Indiana Medicare Snapshot

Indiana has a straightforward, PPO-dominant Medicare market — 123 MA plans from 13 carriers covering 92 of 93 counties for 2026 (CMS CY2026 Landscape). Indiana's plan mix is notably PPO-heavy: 61 PPO, 18 HMO-POS, 8 HMO C-SNP, 7 HMO, and 6 PPO C-SNP plans. The PPO share (50% of MA plans) is one of the highest in the country, reflecting the state's mix of Indianapolis metro plus broad rural geography that rewards plans with wider provider networks.

The average consolidated MA premium is $15.12/month (median $0) — most Indiana beneficiaries can find a $0-premium plan. The standard Medicare Part B premium is $202.90/month in 2026. On the supplement side, Indiana has 40 carriers offering Plan G with attained-age rating — one of the deeper Plan G markets in the Midwest.

Plan Types Available in Indiana

Medicare Advantage (Part C)

In Indiana, 123 MA plans are available for 2026 from 13 carriers (CMS CY2026 Landscape). Plan type mix: 61 PPO, 18 HMO-POS, 8 HMO C-SNP, 7 HMO, and 6 PPO C-SNP. PPOs dominate (50% of all plans) — one of the highest PPO shares in the country.

County availability ranges from 78 MA plans in Marion County (Indianapolis) to 40 plans in Vigo County (Terre Haute). Top carriers by plan count: Humana (34 plans), UnitedHealthcare (23 plans), and Devoted Health (15 plans).

Medigap (Medicare Supplement)

Indiana has 40 carriers offering Plan G in the TPP rate database (TPP rate DB, CY2026) — one of the deeper Plan G markets in the Midwest. The full set of 12 federally standardized plan letters (A through N, plus high-deductible variants HDG and HDF) is available statewide under standard federal rules. Indiana uses attained-age rating — premiums increase as you age.

Plan F is closed to new enrollees as of January 1, 2020 under MACRA / the 21st Century Cures Act; the same closure applies to High-Deductible Plan F (HDF) — only beneficiaries who became Medicare-eligible before January 1, 2020 may still purchase Plan F or HDF. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered in Indiana by 31 carriers. See our MA vs Medigap comparison →

Standalone Part D (Prescription Drug Plans)

Indiana is part of CMS PDP Region 15 (combined with Kentucky). For 2026, there are 10 standalone PDP plans from 5 carriers. Average total premium is $59.56/month (CMS CY2026 Landscape).

Costs in Indiana

Medicare Advantage Premiums

The average consolidated MA premium in Indiana is $15.12/month (median $0) (CMS CY2026 Landscape). The standard Medicare Part B premium is $202.90/month in 2026.

The top three carriers by plan count are Humana (34 plans), UnitedHealthcare (23 plans), and Devoted Health (15 plans) (CMS CY2026 Landscape). Average star rating is 3.59.

Medigap Premiums — Plan G and HDG

Medigap premiums in Indiana vary by carrier, age, gender, tobacco use, and rating method (attained-age in IN, so rates rise with age). Across the 40 carriers offering Plan G in Indiana (non-tobacco rates, ages 65–85), monthly premiums range from approximately $118 to $651/month (TPP rate database, CY2026).

High-Deductible Plan G (HDG) is offered by 31 Indiana carriers; premiums range from approximately $110 to $667/month across ages 65–85, non-tobacco rates (TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the $2,950 deductible (2026).

Part D Costs and the LIS Benchmark

For 2026, Indiana Part D premiums average $59.56/month across 10 standalone PDP plans. The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for PDP Region 15 (Indiana and Kentucky) is $38.44/month (CMS CY2026 Regional Rates and Benchmarks).

Indiana-Specific Medicare Rules

Indiana Medigap Protections

Indiana follows standard federal Medigap rules. You have a 6-month Medigap Open Enrollment Period that starts the month you are both 65 or older and enrolled in Medicare Part B. During this guaranteed-issue window, insurers cannot deny you coverage or charge higher premiums based on your health history.

After this window closes, medical underwriting applies and coverage is not guaranteed. Indiana does not have a Birthday Rule or other annual switch right. Enrolling in Medigap during the initial Open Enrollment Period is especially important. IN uses attained-age rating, so when comparing carriers, ask for both current premium and a projection over 5–10 years.

Medicare Savings Programs (MSPs)

Indiana offers Medicare Savings Programs (MSPs) administered by the Indiana Family and Social Services Administration (FSSA):

• QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
• SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
• QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.

Apply through Indiana FSSA or contact Indiana SHIP (1-800-452-4800) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →

Indiana SHIP

Indiana SHIP (State Health Insurance Assistance Program) provides free, unbiased counseling on all Medicare options statewide. Administered by the Indiana FSSA Office of Medicaid Policy and Planning.

Phone: 1-800-452-4800
Website: https://www.in.gov/fssa/ompp/ship/

Enrolling in Medicare in Indiana

Standard Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
• Annual Election Period (AEP): October 15 – December 7 each year.
• Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
• Medigap Open Enrollment Period: 6-month guaranteed-issue window starting when you are 65+ and enrolled in Part B. After this window, medical underwriting applies (Indiana has no Birthday Rule).
• Special Enrollment Periods (SEPs): Learn more →

Indiana SHIP Counseling

Contact Indiana SHIP at 1-800-452-4800 for free one-on-one Medicare guidance statewide.

Frequently Asked Questions