Can I keep my doctor with private PPO health insurance?

Yes. We verify your doctors are in-network before you enroll. Our licensed advisors only recommend health insurance plans that include your providers when available.

What is a private PPO health insurance plan?

Private PPO plans are off-exchange health insurance options available only through licensed agents like RKA. They often include broader nationwide networks and different cost structures than marketplace plans.

Do I qualify for health insurance savings?

Many households qualify for income-based premium tax credits on marketplace health insurance plans. Our licensed advisors estimate your monthly contribution and compare marketplace vs private PPO options.

When can I enroll in health insurance?

Private PPO health insurance plans are available year-round. Marketplace plans have Open Enrollment periods and Special Enrollment windows. Speak to one of our licensed advisors to verify what you're eligible for.

Robert Adams 9/16/26 Robert Adams 9/16/26

CareSource Leaving Indiana 2027

CareSource is leaving Indiana's marketplace for 2027 — ~60,000 members need a new plan. Your options, and how to keep your subsidy.

Indiana • 2027 Coverage Change

CareSource Is Leaving Indiana's Marketplace for 2027

Fast take: CareSource will not offer individual marketplace plans in Indiana for 2027. Your coverage stays active through December 31, 2026, but it won't renew — about 60,000 Hoosiers need a new plan. The good news: you're not losing coverage, just switching carriers. A licensed advisor moves you to the right plan at no cost — keep your subsidy on a new marketplace plan, or step up to a private nationwide PPO for a broader network and better coverage. Either way we can add dental, vision, and supplemental coverage so a low-cost plan still protects you.

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~60,000Indiana members affected

Dec 31, 2026Last day of CareSource coverage

2 carriersCareSource & Cigna both exiting Indiana

Indiana is losing two carriers at once. CareSource and Cigna are both leaving the Indiana marketplace for 2027. If either one is your plan, you'll be picking something new this open enrollment — and it pays to compare before you're auto-moved to whatever the marketplace picks for you.

What this means for you

This is a carrier exit, not the end of your coverage. Your CareSource plan pays claims normally through December 31, 2026. For 2027 you'll choose a new plan during open enrollment (opens November 1, 2026). If you don't pick one, the marketplace may auto-enroll you in a similar plan — but that's rarely the best value, and it can change your doctors, drugs, and subsidy. Choosing on purpose beats being defaulted.

Your options for 2027

Private nationwide PPO — the upgrade

A premium plan with a broad nationwide network and no referrals
Offered by only a limited number of agents — we're one
Many people happily pay a little more for better coverage and the freedom to see any doctor
Enroll year-round, not just during open enrollment
Medically underwritten — we'll confirm you qualify

A new marketplace plan — keep your subsidy

Your subsidy moves with you — many people pay little or nothing
Guaranteed issue: no health questions, covers pre-existing conditions and maternity
We match you to an Indiana plan that keeps your doctors and prescriptions where possible
A solid base you can strengthen with the add-ons below

On a budget? You can still be well covered. Pair a low-cost marketplace plan with add-ons from the private side — dental, vision, and guaranteed-issue supplemental coverage that help with the gaps a high-deductible plan can leave. Everyone qualifies for something, and it's usually a small monthly add for real protection.

Not sure which way to go? That's the whole job. We look at your income, your doctors, and your budget, then build the right mix — a private PPO, a marketplace plan, or a base plan plus supplements. No cost, no pressure.

What to do now

1. Don't wait to be auto-moved — the default plan is rarely your best option.
2. Check your subsidy — a job or income change can raise or lower it for 2027.
3. Confirm your doctors and prescriptions are covered before you pick a plan.
4. Enroll by December 15, 2026 for coverage starting January 1.

Losing CareSource in Indiana? Let's find your best 2027 plan.

Free call with a licensed advisor — we compare your Indiana marketplace options (and a private PPO if it fits), keep your subsidy, and check your doctors. No cost to you.

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Frequently asked questions

Is my CareSource plan ending right now?

No. Your CareSource coverage stays active through December 31, 2026. It simply won't be available to renew for 2027, so you'll choose a new plan during open enrollment (November 1, 2026 onward).

Will I lose my subsidy?

No — if you qualify for a premium subsidy, it moves with you to whatever new plan you choose. Your subsidy amount depends on your 2027 income, which we'll check with you.

Cigna is leaving Indiana too — does that affect me?

Both CareSource and Cigna are exiting Indiana's marketplace for 2027. If you have either, you're switching carriers. If you're a Cigna member, see our Indiana Cigna page below. Either way, we help you compare what's left.

Do I have to use the marketplace, or is there another option?

You've got choices. A new marketplace plan keeps your subsidy, or you can step up to a private nationwide PPO for a broader network — an option only a limited number of agents offer, and one plenty of people choose even when a subsidized plan is available. We can also add dental, vision, and supplemental coverage to any plan. We'll build the right mix for you.

Related guides

RKA Insurance Advisors is an independent, licensed health insurance brokerage (NPN 19540130). Carrier participation and plan availability for 2027 are based on public filings and announcements and are subject to change; confirm current options before enrolling. We compare ACA marketplace plans and private, medically-underwritten nationwide PPO plans, plus supplemental, dental, and vision coverage. Private plans are not ACA-compliant and are subject to medical underwriting (not all applicants qualify); marketplace plans remain available to everyone during open enrollment. We help you compare all options to fit your health and budget. We do not offer Medicare. Call (561) 806-9913.