Average Health Insurance Premiums in Indiana (2026)
The following estimates show typical unsubsidized monthly premiums for a 40-year-old single adult
in Indiana in 2026. Actual costs vary significantly by ZIP code, age, and plan choice:
- Bronze HDHP: approximately $72–$163/month
- Bronze (standard): approximately $150–$285/month
- Silver: approximately $360–$550/month (lower end)
- Gold: approximately $360–$550/month (upper end)
Premiums increase with age and household size. Younger adults (20s, early 30s) pay less;
adults in their 50s and early 60s pay significantly more. Tobacco users pay a surcharge
in most states.
Indiana expanded Medicaid (HIP 2.0) in 2015. Anthem is the dominant commercial insurer in Indiana. The Indianapolis metro has the most carrier competition.
How ACA Subsidies Reduce Your Premium in Indiana
If your household income falls between 100% and 400% of the federal poverty level (roughly
$15,650–$62,600 for a single adult in 2026), you qualify for ACA premium tax credits
that directly reduce your monthly premium. The subsidy is calculated as the difference between
your benchmark Silver plan premium and a capped percentage of your income.
At income levels below 250% FPL, you also qualify for cost-sharing reductions (CSR) on Silver
plans that reduce deductibles, copays, and out-of-pocket maximums significantly.
Carriers in Indiana (2026)
Marketplace carriers in Indiana include: Anthem BCBS, Ambetter from MHS, CareSource, Molina Healthcare, MDwise. The dominant carrier in most Indiana
counties is Anthem Blue Cross Blue Shield. Plan availability varies by county — check healthcare.gov for
exact options in your ZIP code.
HIP 2.0 (Healthy Indiana Plan): Free or Low-Cost Coverage in Indiana
Indiana's HIP 2.0 covers adults earning up to 138% FPL with a required POWER Account contribution for most enrollees. Apply at in.gov/fssa/ompp.