Medicare in Indiana serves about 1.4 million beneficiaries, with 52% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $130/mo. Stand-alone Part D plans average $43/mo.
Medicare Beneficiaries
1.4 million
Age 65+ and disabled
MA Enrollment
52%
% on Medicare Advantage
Avg Medigap Plan G
$130/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 50+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Anthem Blue Cross Blue Shield Indiana, Humana | Networks differ by county |
| Stand-alone Part D | $43/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | No (one-time 6-month window at 65) | No state annual GI rights; Anthem is exceptionally strong in Indiana's MA and commercial markets. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Indiana's Medicare market is notable for Anthem Blue Cross Blue Shield's outsized presence — Anthem has historically been the largest insurer in Indiana's commercial and Medicare markets, leveraging long-standing relationships with Indiana University Health, Ascension St. Vincent, and Community Health Network in the Indianapolis metro. UnitedHealthcare competes strongly in the Indianapolis and Fort Wayne markets, and Humana has a meaningful presence in the Louisville, Kentucky spillover market near the Indiana border. Indiana's MA enrollment of about 52% is above the national average, driven by competitive $0-premium plans from Anthem and UnitedHealthcare in metro markets.
Medigap Plan G is very affordable in Indiana at approximately $130/month, making it one of the more cost-effective states for beneficiaries who prefer the freedom of Original Medicare. The state's mid-sized cities — Indianapolis, Fort Wayne, Evansville, and South Bend — all offer robust plan competition. Rural Indiana, particularly in the northwest (Gary/Hammond area adjacent to Chicago) and southeast, generally has adequate plan coverage due to the state's flat terrain and manageable geography. Indiana has no annual Medigap switching protections, so timing of the initial enrollment window is critical for beneficiaries with pre-existing conditions.
In Indiana, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 52% of Indiana beneficiaries currently choose MA.
No state annual GI rights; Anthem is exceptionally strong in Indiana's MA and commercial markets.
💡 Indiana Pro Tip
Indiana beneficiaries in the Indianapolis metro area typically have access to 50 or more Medicare Advantage plans. Cities like Fort Wayne, Evansville, and South Bend generally offer 25 to 40 options. Even rural counties usually have at least 15 to 25 MA plans available, reflecting Indiana's well-developed insurance market.
The average Medigap Plan G premium for a 65-year-old in Indiana is approximately $130 per month, which is below the national average. Indiana's competitive insurer landscape keeps premiums affordable, and carriers like Anthem, Cigna, and Mutual of Omaha all offer Plan G options in the state.
Indiana does not have a birthday rule or annual guaranteed-issue protections for Medigap. After your 6-month open enrollment window at 65 closes, switching Medigap plans without underwriting requires a qualifying federal guaranteed-issue event. Locking in a plan while healthy is strongly recommended.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Indiana. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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