When people have a stake in the cost of care, they use the system more responsibly and keep costs down for everyone. Everyone should have access to health insurance, along with the opportunity to maintain continuous coverage. Proper incentives can encourage people to participate in and maintain health insurance coverage. Those who choose not to provide for their health care needs should be subject to reasonable consequences. Everyone in Indiana, no matter how uninsurable, has access to high-quality health insurance coverage.
Coverage is excellent, and rates are capped and heavily subsidized.
Roughly 4,000 medically uninsurable persons are presently covered by the program. Meanwhile, the private market functions normally. In addition, Indiana enacted limits on preexisting-conditions limitations. Portability legislation was put in place in the small-group market in 1992 and in the individual market in 1995. In sum, Indiana creates vehicles for people to enter into the health insurance system and provides the means for us to keep our coverage when circumstances change.