ACA Plans
Comprehensive coverage with consumer protections. Many people qualify for subsidies that can make premiums surprisingly affordable.
- Great for families & ongoing needs
- Pre-existing conditions covered
- Subsidy guidance included
Carriers we can help you compare
Indiana health coverage • ACA & Short-Term Medical
Tailored Plans for Individual Needs
Willow Insurance helps small businesses owners, families, and self-employed Hoosiers compare options with clear & honest explanations. No pressure — just a plan that fits.
- No-cost consultation
- Independent comparisons (via HST)
- Simple, family-first explanations
Quick check-in
Tell me a little — I’ll point you to the best starting options.
Coverage, explained like a human.
Two common paths — and I’ll help you choose the one that actually makes sense for your situation.
Short-Term Medical (STM)
Flexible, lower-cost coverage for healthy individuals in transition — when used correctly and with clear expectations.
- Bridge coverage between jobs
- Custom term lengths
- Clear pros/cons upfront
Self-Employed & Small Business
Options for owners and employees — whether you’re shopping individual plans or exploring small group coverage.
- Solo 1099 guidance
- Family-first strategy
- Budget & plan-fit review
A calm process that respects your time.
You don’t need to “be good at insurance.” That’s my job. Here’s how we keep it simple:
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Quick conversation
We talk needs, budget, and any upcoming life changes (new baby, job change, move, etc.).
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Compare options
I break down ACA vs STM (or other paths), explain tradeoffs, and narrow to your best-fit plans.
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Enroll with confidence
You choose the plan, we handle the details, and you know exactly what you’re getting.
Friendly help people remember.
The goal: clarity, confidence, and coverage that feels right.
“It was the first time someone explained the difference between plans without making me feel dumb.”
“I thought ACA would be expensive. Turns out we qualified for help and found something we can actually afford.”
“No pressure. Just options and honesty. That’s what we needed.”
Common questions
Clear answers up front.
Does it cost me anything to work with you?
No. The consultation and plan comparison are free. If you enroll, compensation is typically paid by the carrier.
Is Short-Term Medical the same as ACA?
No. STM is not ACA-compliant and can have limitations. It can be a smart bridge for some people — and a poor fit for others. I’ll explain the tradeoffs clearly.
Can you help if I’m losing employer coverage?
Yes. We’ll review timing, special enrollment options, and whether ACA or a temporary bridge makes the most sense.
Do you only work in Indiana?
This site is built for Indiana, but if you’re nearby or relocating, reach out and we’ll see what’s possible.
Let’s find what fits.
Tell me what’s going on and I’ll help you compare options — calmly, clearly, and without pressure.
Indiana-based
Local guidance with a real person.
Fast follow-up
Typically same day.
Plan clarity
Know what you’re buying.