Health Insurance Marketplace

Riggs CHC employs a Certified Indiana Navigator who can assist you in selecting the insurance plan that is right for you and your family!

To receive assistance from our Certified Indiana Navigator:

Call 765-742-1567 and ask to make an appointment with our Certified Indiana Navigator

To ask questions about the Marketplace or the process of applying for health coverage, please e-mail

Health Insurance

To be considered covered under a valid insurance plan; you must be enrolled in one of the following:

⦁ Any Marketplace plan, or any individual plan you may already have
⦁ Any employer plan (including COBRA plans, with or without "grandfathered" status)
⦁ Retiree health plans
⦁ Medicare
⦁ Medicaid
⦁ Children's Health Insurance Program (CHIP)
⦁ TRICARE (for current service members and military retirees, their families, and survivors)
⦁ Veterans health care programs (including the Veterans Health Care Program, VA Civilian Health and Medical Program (CHAMPVA), and Spina Bifida Health Care Benefits Program) ⦁ Peace Corps Volunteer plans
⦁ Self-funded health coverage offered to students by universities for plan or policy years that begin on or before Dec. 31, 2017
⦁ Please refer to the official list at for a current/updated list
⦁ Please refer to the current exemptions at to see requirements for healthcare insurance exemptions.

The Health Insurance Marketplace


Open Enrollment for 2023 ended January 15, 2023.

Can I get health coverage outside Open Enrollment?

Outside Open Enrollment, you can only get health insurance two ways:

  • With a Special Enrollment Period. You can qualify if you lose job-based coverage, have a baby, get married, have certain other life changes, or based on estimated household income.
  • Through Medicaid or the Children's Health Insurance Program (CHIP). You can apply any time and can enroll immediately if you are eligible.


Anticipated dates of open enrollment 2024 begin November 1, 2023 and end January 15, 2024.


During the COVID-19 federal public health emergency, due to federal requirements, Indiana Medicaid members were able to keep their coverage without interruption.

The most recent federal spending bill ended Medicaid coverage protections, which means Indiana Medicaid will return to normal operations.

Eligibility redetermination actions will begin in April 2023, with a 12-month plan to return to normal operations.

Many of these redeterminations are done automatically based on information the state has available. In some situations, the state of Indiana will need to ask the member for information about themselves and their family, such as current address, employment status and income, age and family size.

Due to this change, it is important members make sure their demographic information is up to date. Please log into your account to ensure no lapse in coverage. If you have questions, please make an appointment with a Riggs’ Certified Insurance Navigator.


Assistance from a Navigator

⦁ Certified Indiana Navigators are individuals who help Hoosier insurance consumers complete health coverage applications on the federally-facilitated Marketplace ( or state-based insurance affordability program applications (such as Medicaid, the Children's Health Insurance Program ("CHIP"), or the Healthy Indiana Plan ("HIP") -
⦁ An individual that meets the definition of “navigator” under Indiana Code 27-19-2-12 must become certified as an Indiana Navigator with the Indiana Department of Insurance ("IDOI").
⦁ If you don't have coverage in 2017, you will be charged a 2.5% penalty on your income, or $695 per adult ($347.50 per child) - whichever is higher. This penalty is assessed when filing income tax.