Health insurance cost in Indiana
If you're moving to Indiana without job-based coverage, here's what a Marketplace plan costs before subsidies. Indiana ranks #5 of 51 for the lowest benchmark premium.
Monthly premium by age
| Age | Benchmark silver | Cheapest bronze |
|---|---|---|
| 21 | $371 | $317 |
| 30 | $421 | $360 |
| 40 | $474 | $405 |
| 50 | $662 | $566 |
| 60 | $1,007 | $860 |
| 64 | $1,112 | $951 |
Scaled from the age-40 average with the federal default age curve, which lets insurers charge a 64-year-old up to 3× what a 21-year-old pays. Excludes tobacco surcharges.
The Indiana benchmark rose 24% for 2026, in line with the 26% national increase, leaving it 24% below the U.S. average for a 40-year-old.
What is different in Indiana
- Where to enroll
- HealthCare.gov
- Open enrollment for 2027
- Nov 1 – Jan 15
- Marketplace insurers, 2026
- 5
- Medicaid expansion
- Since Feb 2015
- Penalty if uninsured
- None
- Average paid after credits, 2026
- $222/mo
- Where and when. Indiana uses HealthCare.gov, the federal marketplace. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for coverage that starts January 1.
- Choice of insurers. 5 insurers sell Marketplace plans in Indiana for 2026, down from 6 in 2025. Not every insurer sells in every county, so your choices depend on where you live. 300,049 people picked a Marketplace plan here for 2026, down 16% from 2025, one of the five steepest drops in the country after the enhanced federal credits ran out.
- What enrollees paid. Enrollees here paid an average of $222 a month after tax credits for 2026, up 85% from the $120 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $623.
- Medicaid. Indiana expanded Medicaid in February 2015. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan. A state "trigger" law would end the expansion or force cost cuts if federal funding for it is reduced.
- Going uninsured. Indiana doesn't charge a penalty for going without coverage, and the federal penalty ended after 2018. In 2024, 7.4% of residents had no health insurance (U.S.: 8.2%), and 4.9% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at HealthCare.gov.
Frequently asked questions
How much is health insurance in Indiana in 2026?
The benchmark silver plan for a 40-year-old averages $474 a month before subsidies, and the cheapest bronze plan $405 (KFF analysis of CMS data). That's up 24% from 2025.
How much does health insurance cost for a 60-year-old in Indiana?
About $1,007 a month for the benchmark silver plan before subsidies, using the federal default age curve.
Did Indiana expand Medicaid?
Indiana expanded Medicaid in February 2015. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan. A state "trigger" law would end the expansion or force cost cuts if federal funding for it is reduced.