Health Insurance Plans in Indiana
Browse ACA Marketplace plans available to Indiana residents on the federal exchange. 55 plans available for 2026. Starting from $356/month.
Lowest Monthly Premium
$356/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$403/mo
16 plans available
Avg Silver (Benchmark)
$485/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Indianapolis, IN
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$403/mo avg
from $356 – $445
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$485/mo avg
from $417 – $591
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$679/mo avg
from $530 – $810
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$967/mo avg
from $965 – $969
Lowest-Premium Plans Available
Sample plans near Indianapolis — enter your ZIP for exact results
Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$356/mo
Ded: $10,150
Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs+ Incentives)
Anthem Blue Cross and Blue Shield
$363/mo
Ded: $10,150
Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$370/mo
Ded: $5,500
Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$377/mo
Ded: $4,500
Anthem Bronze Essential POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$379/mo
Ded: $7,500
Anthem Bronze Essential 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$379/mo
Ded: $7,500
Anthem Bronze Essential 6500 HSA (+ Incentives)
Anthem Blue Cross and Blue Shield
$391/mo
Ded: $6,500
Low Premium Bronze 10600 $25 Generic Drugs
CareSource
$404/mo
Ded: $10,600
Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness
CareSource
$407/mo
Ded: $10,600
Bronze 7500 $25 Generic Drugs
CareSource
$416/mo
Ded: $7,500
Prices shown are for a 30-year-old near Indianapolis without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Indiana?
Approximately 55 ACA Marketplace plans are available in Indiana for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Indiana?
For a 30-year-old without subsidies, the cheapest plan near Indianapolis starts at about $356/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Indiana use HealthCare.gov?
Yes — Indiana is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Indiana averages $485/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Indiana
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.