Ind. Code § 27-8-5.9-1 "Covered individual"
Sec. 1. As used in this chapter, "covered individual" means an individual entitled to coverage under a short term insurance plan.
As added by P.L.288-2019, SEC.7.
Ind. Code ch. 27-8-5.9
Ind. Code ch. 27-8-5.9
in effectInd. Code § 27-8-5.9-2 "PPACA"
Sec. 2. As used in this chapter, "PPACA" has the meaning set forth in IC 27-19-2-14.
As added by P.L.288-2019, SEC.7.
Ind. Code § 27-8-5.9-3 "Short term insurance plan"
Sec. 3. As used in this chapter, "short term insurance plan" means a policy of accident and sickness insurance (as defined in IC 27-8-5-1) that:
(1) may be renewed for the greater of:
(A) thirty-six (36) months; or
(B) the maximum period permitted under federal law;
(2) has a term of not more than three hundred sixty-four (364) days; and
(3) has an annual limit of at least two million dollars ($2,000,000).
As added by P.L.288-2019, SEC.7.
Ind. Code § 27-8-5.9-4 Renewal requirements
Sec. 4. (a) An insurer may require an applicant for coverage under a short term insurance plan to specify, before issuance of the short term insurance plan, the number of renewals the applicant elects.
(b) After issuance of a short term insurance plan, the insurer may not require underwriting of the short term insurance plan until:
(1) all renewal periods elected under subsection (a) have ended; and
(2) the covered individual renews the short term insurance plan beyond the periods described in subdivision (1).
As added by P.L.288-2019, SEC.7.
Ind. Code § 27-8-5.9-5 Coverage requirements
Sec. 5. A short term insurance plan must include coverage for the following:
(1) Ambulatory patient services.
(2) Hospitalization.
(3) Emergency services.
(4) Laboratory services.
As added by P.L.288-2019, SEC.7.
Ind. Code § 27-8-5.9-6 Use of preferred provider plan
Sec. 6. (a) This section applies to an insurer that issues a short term insurance plan and undertakes a preferred provider plan under IC 27-8-11 to render health care services to covered individuals under the short term insurance plan.
(b) An insurer described in subsection (a) shall ensure that the preferred provider plan meets the following requirements:
(1) The preferred provider plan includes essential community providers in accordance with PPACA.
(2) The preferred provider plan is sufficient in number and types of providers (other than mental health and substance abuse treatment providers) to assure covered individuals' access to all health care services without unreasonable delay.
(3) The preferred provider plan is consistent with the network adequacy requirements that:
(A) apply to qualified health plan issuers under 45 CFR 156.230(a) and 45 CFR 156.230(b); and
(B) are consistent with subdivisions (1) and (2).
As added by P.L.288-2019, SEC.7.
Ind. Code § 27-8-5.9-7 Disclosures
Sec. 7. (a) An insurer that issues a short term insurance plan shall disclose to an applicant, in bold, 10 point type, the following:
(1) That the short term insurance plan does not include coverage for the ten (10) essential health benefits required under PPACA.
(2) That the short term insurance plan does not provide the coverage that is required under PPACA.
(3) That enrollment in health coverage that provides the coverage that is required under PPACA may be done during the next PPACA open enrollment period.
(4) The dates of the next PPACA open enrollment period during which the applicant may enroll in coverage described in subdivision (3).
(b) An insurer shall obtain the signature of an applicant to whom the disclosures required by subsection (a) are made.
As added by P.L.288-2019, SEC.7.
Ind. Code § 27-8-5.9-8 Similarly situated individuals
Sec. 8. An insurer shall not, as a condition of enrollment or continued enrollment in a short term insurance plan, require an individual to pay a premium or contribution greater than the premium or contribution for a similarly situated individual enrolled in the short term insurance plan on the basis of a health status related factor in relation to the individual or a dependent of the individual.
As added by P.L.288-2019, SEC.7.
Ind. Code § 27-8-5.9-9 Health promotion and disease prevention programs
Sec. 9. This chapter does not prevent an insurer from establishing a premium discount, a rebate, or out-of-pocket payment modifications in return for adherence to programs of health promotion and disease prevention.
As added by P.L.288-2019, SEC.7.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://iga.in.gov/laws/2026/ic/titles/27Fetched: 10/17/2026