Healthcare workers compensation in Indiana
Healthcare businesses in Indiana pay a median rate of $0.745 per $100 of payroll, ranging from $0.050 to $4.92. The national median for Healthcare is $0.700, so Indiana sits 6% above the national average. 16 unique NCCI class codes are filed in this state for Healthcare occupations. Verified 2026-05-09.
Top Healthcare class codes in Indiana
The class codes most likely to apply to a Healthcare operation in Indiana, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 8871 | Hospice Care - All Other | $0.050 | HIGH |
| 8855 | Hospice Care | $0.090 | HIGH |
| 7402 | Ambulance Service | $0.110 | HIGH |
| 8805 M | Medical Office Clerical | $0.150 | HIGH |
| 8832 | Physician, non-surgical | $0.190 | HIGH |
| 8833 | Hospital, professional employees | $0.530 | HIGH |
| 8831 | Hospital Other Employees | $0.740 | HIGH |
| 8869 | Home Health Care - All Other | $0.750 | HIGH |
| 9154 | Home Health Care Services | $0.810 | HIGH |
| 8835 | Medical/Dental/Vet Professionals | $1.33 | HIGH |
Indiana compliance for Healthcare employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Healthcare
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Indiana. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$852 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
2 years from injury date in Indiana.
Audit window
Indiana carriers audit payroll within 90-120 days of policy expiration. Keep Healthcare payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Healthcare cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Healthcare premium in Indiana
Pre-filled to Healthcare and Indiana. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Healthcare in Indiana
$250to$24,600
Median: $3,725 · Rate range $0.050 to $4.92 per $100 payroll
Industry median across all states
$3,500
Cheapest states for Healthcare
- Utah $0.340
- Kentucky $0.390
- Tennessee $0.425
Most expensive
- New Jersey $2.58
- Hawaii $1.25
- New York $0.995
Estimate based on 23 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Healthcare businesses in Indiana
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Healthcare operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Healthcare businesses typically use codes like 8805, 9077, 8831. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 8871 at $0.050 and the most expensive is 8835 at $1.33.
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Step 3, Get a quote
Private carriers write Healthcare coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Healthcare operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Healthcare class allocation can shift if any worker spends more than 50% of time on a different code.
Healthcare workers comp FAQs in Indiana
What is the typical workers comp rate for Healthcare in Indiana?
Healthcare employers in Indiana pay a median rate of $0.745 per $100 of payroll, with rates ranging from $0.050 to $4.92 depending on the specific class code. The national median across all states for Healthcare is $0.700, so Indiana sits about 6% above the national average.
How many Healthcare class codes are filed in Indiana?
Indiana has 16 unique NCCI class codes filed for Healthcare occupations, drawn from 16 state-class code rate cells in our dataset. The most common codes include 8805 (Medical Office Clerical), 9077 (Hospital Operations), 8831 (Hospital Other Employees).
Are Healthcare 1099 contractors covered by workers comp in Indiana?
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Healthcare worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Healthcare workers are subject to the same statutory cap as workers in any other industry.
How long does a Healthcare worker have to file a comp claim in Indiana?
The statute of limitations in Indiana is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Healthcare workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Healthcare business owner exclude themselves from comp coverage in Indiana?
Yes, Indiana allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Healthcare owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.