Individual and Family Health Insurance in Central Indiana
Navigating Marketplace plans, private coverage, and premium tax credits so you can protect your family with confidence.
Serving individuals and households throughout Johnson, Bartholomew, Morgan, Monroe, and Brown counties and all across Indiana.
Individual & Family Health Plans Designed For Your Life
Shopping for health insurance on your own can be confusing and stressful. Sorting through deductibles, provider networks, out-of-pocket maximums, and formulary drug lists—how do you know if you’re getting the coverage you need at a fair price?
Farley Health Solutions works directly with individuals, growing families, 1099 contractors, and early retirees across Indiana to find clear, affordable healthcare solutions.
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Marketplace & Private Options: Compare Affordable Care Act (ACA) exchange plans alongside private, off-exchange carrier options to find the right balance of price and network freedom.
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Prescription & Network Verification: Ensure your family’s primary doctors, specialists, local hospitals, and medications are covered before you enroll.
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Subsidy & Tax Credit Optimization: Identify cost-sharing reductions and advance premium tax credits that can significantly lower your monthly payment and out-of-pocket costs.
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Year-Round Life Event Assistance: Get dedicated guidance during Open Enrollment or through Special Enrollment Periods triggered by life changes like marriage, having a child, moving, or leaving an employer plan.
Specialized Coverage Options:
Gap Protection, Indemnity & Alternative Plans
Indemnity Plans
Indemnity (fee-for-service) plans give you complete freedom to visit any doctor, specialist, or hospital without network restrictions or referrals.
The insurer pays a set portion or fixed cash amount toward covered services, making these plans an excellent way to maintain provider choice or help offset out-of-pocket medical costs.
Short Term Medical
Short-term health insurance offers fast, temporary coverage to protect your finances from unexpected injuries or illnesses during life transitions.
It is a budget-friendly bridge that can start as soon as the next day—ideal if you are between jobs, waiting for employer benefits to begin, or outside the standard Open Enrollment window.
Critical Illness
Critical illness insurance provides a lump-sum cash payout directly to you if you are diagnosed with a major covered condition, such as a heart attack, stroke, or invasive cancer.
Because you can use the tax-free funds however you need—from paying high deductibles and out-of-pocket medical bills to covering regular household expenses—it protects your savings while you focus on recovery.
Disability
As its name suggests, disability insurance protects your most valuable financial asset: your ability to earn a living. If an unexpected injury or illness prevents you from working, a policy replaces a percentage of your regular income with monthly cash benefits.
These payouts can be used however you see fit—ensuring you can easily manage everyday expenses like mortgage payments, utilities, and groceries while you focus on recovery.
Healthcare Sharing Ministries
Healthcare sharing ministries are faith-based alternatives in which members with shared ethical or religious beliefs pool resources to help pay one another’s eligible medical bills.
While they are not traditional insurance policies, these programs offer a values-aligned, community-focused way to manage healthcare costs—often with lower monthly contributions than conventional individual plans.
Members of health care sharing ministries are exempt from the individual mandate requirement of the U.S. Patient Protection and Affordable Care Act of 2010 (the individual shared responsibility provision was repealed in December 2017, effective in 2019).
