Find Affordable Coverage in Indiana
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Indiana ACA Marketplace Overview
In 2026, approximately 175,000 Indiana residents are enrolled in ACA Marketplace coverage. Indiana uses the federal exchange, Healthcare.gov for health insurance enrollment.
Indiana has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Indiana?
The benchmark Silver plan (second-lowest-cost Silver plan) in Indiana costs approximately $388/month before subsidies in 2026. However, most Indiana residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Indiana households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Indiana household income.
Top ACA Health Insurance Companies in Indiana
The following carriers offer ACA Marketplace plans in Indiana for 2026:
- Anthem
- CareSource
- Ambetter
Plan availability varies by county in Indiana. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Indiana
- Bronze: Lowest premiums, highest deductibles. Best for healthy Indiana residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Indiana households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Indiana residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Indiana counties.
When to Enroll in Indiana
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Indiana Insurance Resources
- Healthcare.gov — Official Indiana enrollment portal
- Indiana Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit