How This Works

From First Call to Covered, in Three Moves

Most Indiana groups go from first conversation to active coverage inside about a week.

1

Tell Us About Your Team

A short call or the form above. Headcount, ages, ZIP codes, and what you are trying to spend.

2

We Price Every Structure

Traditional group, level funded, and ICHRA, quoted against your actual roster rather than a generic example.

3

We Run the Enrollment

Forms, carrier submission, and employee questions all come to us. Your team ends up covered without you project-managing it.

$0

Broker
Fees

Why Moran

The Broker Who Works For You

Independent means we are not bound to one carrier or one product. Compensation is roughly comparable across the structures we quote, so we have no financial reason to steer you.

Renewal Support Every Year

We re-shop the market before your anniversary instead of letting an increase pass on autopilot.

A Real Person, Every Time

You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.

We Handle the Paperwork

Enrollment, renewals, claims questions. We stay with you long after the policy starts.

Plans for Every Budget

From basic MEC plans to full PPO coverage, we find the right fit for your business.

What You Get

What a Indiana Group Plan Covers

Real medical coverage plus the supporting benefits that make a package competitive in Indiana.

🏥

Medical, Dental & Vision

Comprehensive coverage options from Indiana's top carriers including Anthem Blue Cross, Cigna, Aetna, UnitedHealthcare, and more.

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Prescription Drug Coverage

Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.

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HMO, PPO & HDHP Plans

We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.

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Annual Renewal Support

We re-shop your plan every year at renewal to make sure you're still getting the best rate, always.

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Employee Onboarding Help

We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.

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Multi-State Teams Covered

Have employees across multiple states? We're licensed in 30+ states and can structure coverage for your entire workforce.

Three Funding Models, One Honest Comparison

Group, Level Funded, or ICHRA for Your Indiana Business

From Indianapolis startups to family manufacturers, we run the math on all three before recommending one.

🏛️

Traditional Group Health

Classic fully insured plans from Indiana's major carriers. The premium is the premium, no surprises, and employees get insurance cards they recognize at any Hoosier hospital.

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Level Funded Health Plans

Pay a flat monthly rate while stop-loss insurance caps your risk. If your team has a healthy claims year, a portion of what you paid can come back to you at renewal.

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ICHRA (Individual Coverage HRA)

Reimburse employees tax-free for individual plans they choose themselves. You get budget certainty, they get real choice, and we take care of the rules and the paperwork.

Typical Requests

The Requests We Get Most Often in Indiana

Representative scenarios rather than client testimonials, drawn from the kinds of groups we price most often.

21 employees · contract manufacturer

Shift work across two buildings, so enrollment logistics decide whether participation requirements are met.

How we approach it: We quote every structure that could fit and explain the trade-off in each rather than leading with one product.

6 employees · life sciences startup

Needs a benefits package credible to PhD hires while pre-revenue, which points at structures other than classic group.

How we approach it: We start by sorting who is actually eligible, then price the structures that survive that answer.

13 employees · regional distributor

Wage mix straddles the Healthy Indiana Plan line, so part of the roster may be better served outside the group plan.

How we approach it: We model the options side by side and tell you which one we would pick if it were our payroll.

Local Detail

What is different about buying coverage in Indiana

The fixed features of the Indiana market that every employer here works within.

Exchange

Indiana uses the federal exchange, Healthcare.gov. There is no separate state exchange, and it lists only on-exchange plans, not the group or off-exchange market.

Medicaid

Indiana expanded Medicaid through the Healthy Indiana Plan, its own version of expansion with modest member contributions, so the old coverage gap does not apply here.

Carriers competing here

The small group market in Indiana includes Anthem Blue Cross Blue Shield, UnitedHealthcare, Aetna, Cigna, and Humana. We compare what is available to a group your size rather than leading with one carrier.

Where your rate comes from

Carriers file rates by rating area, which is why Indianapolis, Fort Wayne, Evansville, and South Bend price differently for the same roster. Your local manufacturing, logistics, life sciences, and agriculture employers see the same spread. Indiana expanded Medicaid through the Healthy Indiana Plan, its own version of expansion with modest member contributions, and Indianapolis sees more carrier competition than the rural rating areas.

FAQ

Common Questions

The questions we field most often from Indiana employers.

Generally one eligible employee in addition to the owner. Every carrier in Indiana must accept small groups of 1 to 50 regardless of health history, though most also require that most eligible employees enroll or waive with other coverage.

There is no broker fee. Compensation is built into the filed rates by the carriers themselves, which means using us costs your business nothing extra and never changes your premium.

Plan on one to two weeks from census to coverage. We can normally get you real quotes the same day you ask, and the rest is carrier processing and enrollment.

The carriers active in Indiana's small group market include Anthem Blue Cross Blue Shield, UnitedHealthcare, Aetna, Cigna, and Humana. Indiana has one of the more complete coverage landscapes in the Midwest: a stable Marketplace, real metro carrier competition, and a full private market underneath. We compare what is available to a group your size and present the options that fit, rather than leading with one carrier's product.

No Indiana law requires it. Only the federal ACA employer mandate applies, and only to employers with 50 or more full-time equivalent employees. Indiana expanded Medicaid through the Healthy Indiana Plan, its own version of expansion with modest member contributions, so the old coverage gap does not apply here.

Traditional group gives fixed, predictable cost with full guaranteed-issue protection. Level funded underwrites your group and can return part of a healthy claims year, which tends to reward younger teams. An ICHRA replaces the group plan with a defined tax-free allowance, and employees would buy those individual plans through Healthcare.gov or off-exchange. Indiana expanded Medicaid through the Healthy Indiana Plan, its own version of expansion with modest member contributions, and Indianapolis sees more carrier competition than the rural rating areas. We price all three against your census before recommending one.

Group Health Insurance for Your Indiana Team.
Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

From First Call to Covered, in Three Moves

Tell Us About Your Team

We Price Every Structure

We Run the Enrollment

The Broker Who Works For You

Renewal Support Every Year

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

What a Indiana Group Plan Covers

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Group, Level Funded, or ICHRA for Your Indiana Business

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

The Requests We Get Most Often in Indiana

What is different about buying coverage in Indiana

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Indiana Team.Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

From First Call to Covered, in Three Moves

Tell Us About Your Team

We Price Every Structure

We Run the Enrollment

The Broker Who Works For You

Renewal Support Every Year

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

What a Indiana Group Plan Covers

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Group, Level Funded, or ICHRA for Your Indiana Business

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

The Requests We Get Most Often in Indiana

What is different about buying coverage in Indiana

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Indiana Team.
Plans for 1 to 50 Employees.