Last Updated: January 30, 2026
Applying for Medicaid in Indiana is simple.
You can apply online through the FSSA Benefits Portal. You can also apply by phone or in person.
Eligibility depends on your income, household size, and age.
Quick Summary:
- Apply online at the FSSA Benefits Portal or call 800-403-0864
- 2026 income limits updated based on Federal Poverty Guidelines
- MDwise is no longer available as of January 2026
- New PathWays for Aging program for adults 60 and older
- Choose between Anthem, CareSource, or MHS health plans
- Bring ID, income proof, and Social Security Number
Step 1: Choose Your Application Method
Indiana offers four ways to apply. Pick the one that works best for you.
Apply Online (Fastest)
The online application is the quickest option. Visit the FSSA Benefits Portal at www.fssabenefits.in.gov. You can upload documents directly. Most applications are processed within 30 days.
Apply by Phone
Call 800-403-0864 to speak with an agent. They can help you complete your application. Phone hours are Monday through Friday, 8 a.m. to 4:30 p.m. EST.
Apply in Person
Visit a local Division of Family Resources office. Use the DFR Office Locator at www.in.gov/fssa/dfr to find the nearest location. Bring all your documents with you.
Apply by Mail
Download the Indiana Application for Health Coverage. Print and fill out the form. Mail it to the address listed on the form. This method takes longer to process.
Step 2: Check Your Eligibility
Indiana uses Federal Poverty Guidelines to determine eligibility. Most adults qualify under the Healthy Indiana Plan if their income is below 138% of FPL.
To learn more about who qualifies, check the detailed Indiana Medicaid eligibility requirements for 2026.
2026 Income Limits for Healthy Indiana Plan
| Household Size | Monthly Limit | Annual Limit |
| 1 (Individual) | ~$1,835 | $22,025 |
| 2 | ~$2,489 | $29,864 |
| 3 | ~$3,142 | $37,702 |
| 4 | ~$3,697 | $44,367 |
Source: 2026 Federal Poverty Guidelines
These numbers are estimates. Indiana updates its official charts in March. For the most current numbers, see Indiana Medicaid income limits for 2026.
Step 3: Prepare Required Documents
Gather these documents before you apply. Having everything ready speeds up the process.
Identity Documents
- Social Security Number
- Driver’s license or state ID
- Birth certificate
Income Proof
- Pay stubs from last 30 days
- Most recent tax return
- Employer statement (if self-employed)
Asset Information (if applicable)
Bank statements are only needed for aged, blind, or disabled categories. The Healthy Indiana Plan has no asset test.
Current Insurance Information
If you have other health insurance, bring policy numbers. This includes employer coverage or Medicare.
Critical Updates for 2026
Several important changes took effect in January 2026. Make sure you understand these updates before applying.
MDwise No Longer Available
As of January 1, 2026, MDwise is no longer a managed care option. You must now choose between Anthem, CareSource, or MHS. Former MDwise members were automatically transferred to one of these three plans.
New PathWays for Aging Program
If you are 60 or older and eligible for Medicaid, you will be enrolled in Indiana PathWays for Aging.
This new program replaces the old Aged & Disabled Waiver. It coordinates both medical care and long-term services like home health.
Retroactive Coverage Rule
For the Healthy Indiana Plan, coverage begins after you make your first POWER Account payment.
There is typically no retroactive coverage for months before you applied. Traditional Medicaid may cover up to 3 months prior.
Which Indiana Medicaid Program Fits You?
Indiana offers several Medicaid programs. The right one depends on your age and situation.
| Program | Who It Helps | Key Features |
| Healthy Indiana Plan (HIP) | Adults ages 19-64 | High-deductible style with POWER Account contributions. Income under 138% FPL. |
| Hoosier Healthwise | Children and pregnant women | Low or no cost. Comprehensive medical, dental, and vision care. |
| PathWays for Aging | Seniors 60 and older | Coordinated long-term care and home services. Replaces Aged & Disabled Waiver. |
| Hoosier Care Connect | Blind or disabled adults | Care coordination for complex medical needs. Specialized support services. |
To compare healthcare costs and benefits, visit the Medicaid fee schedule for 2026.
Additional Resources
For help with your application, contact your local Division of Family Resources office. You can also call the FSSA hotline at 800-403-0864.
If you need to know income limits in other states, see Medicaid income limits by state for 2026.
For official information, visit the Indiana Family and Social Services Administration website.
Frequently Asked Questions (FAQ)
Q1: How long does it take to get approved for Indiana Medicaid?
Most applications are processed within 30 days. If you qualify for emergency Medicaid due to pregnancy or disability, approval may happen within 10 days. Online applications are typically faster than mail applications.
Q2: Can I apply for Medicaid if I’m working?
Yes. As long as your income is below the limit for your household size, you can qualify. The Healthy Indiana Plan specifically helps working adults. Having a job does not automatically disqualify you from receiving benefits.
Q3: What is a POWER Account payment?
A POWER Account is required for HIP members. It works like a health savings account. Most members pay between $1 and $20 per month. The payment helps cover your healthcare costs. Coverage begins after your first payment is made.
Q4: Is MDwise still a Medicaid plan in Indiana?
No. MDwise ended its Indiana Medicaid contract on January 1, 2026. Current options are Anthem, CareSource, and MHS. Former MDwise members were automatically switched to one of these plans.
Q5: Do I qualify if I have savings or own a car?
For the Healthy Indiana Plan, there is no asset test. You can have savings and own property. Asset tests only apply to aged, blind, or disabled Medicaid categories. Your car does not count against eligibility limits.
Q6: Can I get retroactive Medicaid coverage in Indiana?
It depends on your program. The Healthy Indiana Plan typically does not offer retroactive coverage. Traditional Medicaid may cover medical bills up to 3 months before your application date. Always apply as soon as possible to avoid gaps.
Apply Today
Getting Medicaid coverage in Indiana is straightforward. Apply online at the FSSA Benefits Portal. Call 800-403-0864 if you need help. Most applications are approved within 30 days.
Don’t wait to get the healthcare you need. Start your application today.
