The refractive index comes, mostly, from the electric polarizability of the medium: that is, the amount of electric dipole induced in the medium by a unit driving electric field. This is a macroscopic quantity, calculated by adding up the contributions of each microscopic components, and if you have multiple species in the medium (such as neutral atoms and free electrons) then you simply add together their contributions to the total induced dipole moment in that unit of volume.
If you have a single species, then you look at the dipole moment induced in each microscopic component,
$$
\mathbf p=\varepsilon_0 \alpha \mathbf E,
$$
where $\alpha$ is the electric polarizability of the species, a dimensionless constant, and you multiply it by the number of systems per unit volume $N$ to form the electric polarization (i.e. dipole moment per unit volume)
$$
\mathbf P=N\mathbf p = \varepsilon N \alpha \mathbf E=\varepsilon \chi_e\mathbf E,
$$
where $\chi_e=N\alpha$ is the electric susceptibility of the medium. This is the constitutive relation of the (linear) medium, and it gets fed into the (relative) electric permittivity $\varepsilon_r=1+\chi_e$ that then goes to make the refractive index $n=\sqrt{\varepsilon_r\mu_r}$.
If you have multiple species, the game is similar. Each species will have its own linear response of the form
$$
\mathbf p_j=\varepsilon_0 \alpha_j \mathbf E,
$$
with its own volumetric number density $N_j$, giving them a contribution
$$
\mathbf P_j=N_j\mathbf p_j = \varepsilon N_j \alpha_j \mathbf E
$$
to the total polarizability, which comes out as
$$
\mathbf P=\sum_j \mathbf P_j = \varepsilon_0 \left(\sum_j N_j\alpha_j\right) \mathbf E = \varepsilon_0 \chi_e \mathbf E,
$$
so the electric susceptibility gets modified to
$$
\chi_e=\sum_j N_j\alpha_j.
$$
This then goes into $\varepsilon_r=1+\chi_e$ and $n=\sqrt{ \varepsilon_r \mu_r}$ as before.
For a partially ionized gas, it sort of depends on how strong the response is from each of the components. If you are near the plasma frequency of free electrons in a thin gas, and the response of the neutrals is relatively flat there, then decreasing the plasma to an ionized fraction $r$ will decrease the optical activity by $r$. If you're in a more complicated situation (such as resonances of the neutral, or a thicker plasma), then you need to do the full calculation as above.