Health insurance in Indiana is sold through Federal (Healthcare.gov), with an estimated 50-80 plans available for 2026. The average Silver-tier premium is $445/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Federal HC.gov
Federal (Healthcare.gov)
Avg Silver Premium
$445/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Federal (Healthcare.gov) | Apply via Healthcare.gov |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 50-80 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Indiana's ACA marketplace is moderately competitive with 50–80 plans statewide, led by Anthem, Ambetter, and Humana. Silver premiums average $435–$455/month for a 40-year-old before subsidies. Indianapolis and other urban markets offer more insurer competition, while rural counties in southern Indiana may have limited options. Indiana uses Healthcare.gov for marketplace enrollment. Network adequacy is generally acceptable in urban areas but can be thin in rural regions.
Indiana expanded Medicaid through the HIP 2.0 (Healthy Indiana Plan) waiver in 2015, a conservative model that includes POWER accounts — a savings account component that beneficiaries contribute to in exchange for enhanced benefits. Failure to contribute can result in reduced benefits but not disenrollment for the lowest-income enrollees. HIP 2.0 has covered hundreds of thousands of low-income Hoosiers and has been cited as a model for conservative Medicaid expansion. The state's approach has attracted both praise for innovation and criticism for administrative burdens.
Leading 2026 ACA carriers in Indiana: Anthem (Elevance), Ambetter (Centene), Humana. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Indiana expanded Medicaid through the HIP 2.0 (Healthy Indiana Plan) waiver, which includes a unique account-based contribution model (POWER accounts).
Indiana expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Indiana Pro Tip
Indiana uses the federal marketplace at Healthcare.gov. The state does not operate its own exchange.
A 40-year-old non-smoker in Indiana typically pays about $435–$455/month for a Silver plan before subsidies.
Yes. Indiana expanded Medicaid through the HIP 2.0 waiver in 2015. Adults earning up to 138% FPL are generally eligible, with some program-specific requirements.
Marketplace data sourced from state and federal exchange filings for Indiana, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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