Indiana Health Insurance 2026
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
Indiana 2026 Health Insurance Quick Facts
| Field | Value | Notes |
|---|---|---|
| Marketplace | Federal (Healthcare.gov) | Apply via Healthcare.gov |
| Open Enrollment 2026 | Nov 1, 2026 – Jan 15, 2027 | 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 HIP 2.0: A Conservative Medicaid Expansion Model
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.
What to Know About Health Insurance in Indiana
Top marketplace carriers
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.
Notable state rule
Indiana expanded Medicaid through the HIP 2.0 (Healthy Indiana Plan) waiver, which includes a unique account-based contribution model (POWER accounts).
Medicaid eligibility
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
Health Insurance FAQs — Indiana
Who runs the health insurance marketplace in Indiana?
+
Indiana uses the federal marketplace at Healthcare.gov. The state does not operate its own exchange.
How much does Silver-tier health insurance cost in Indiana before subsidies?
+
A 40-year-old non-smoker in Indiana typically pays about $435–$455/month for a Silver plan before subsidies.
Is Medicaid expanded in Indiana?
+
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.
Related Guides
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
Get Insurance Rate Alerts
We monitor rate filings in all 50 states. Get notified when rates change in your area — and discover new ways to save.
- ✓State-specific rate change alerts
- ✓Seasonal enrollment deadline reminders
- ✓Expert tips to lower your premiums
- ✓New coverage options in your state
Free forever. Unsubscribe with one click. No spam, ever.
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.