Gold health insurance plans in Indiana (2026)
There are 23 Gold plans on the Indiana Marketplace from 5 insurers, and they are not interchangeable — premiums run from $446 to $666 a month for the same metal tier. Here is what separates them.
Indiana Gold premiums rank 23rd cheapest of 35.
Averaged across all 23 plans, Gold coverage in Indiana costs $573 a month before subsidies — 23rd lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.
Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.
What a Gold plan costs in Indiana in 2026
Across all 23 Gold plans in Indiana, monthly premiums run from $446 to $666, averaging $573. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Indiana enrollees, often to a fraction of the sticker price.
Gold plan deductibles in Indiana
Gold deductibles in Indiana run from $0 to $3,000, with a median of $2,000 across the 21 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $2,057 because the spread is not symmetric. Some Indiana Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 2 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.
Gold out-of-pocket maximums in Indiana
Individual out-of-pocket maximums on Indiana Gold plans run from $4,700 to $8,700, with a median of $8,200. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.
The cheapest Gold plans in Indiana
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Standard GoldAmbetter Health | $446 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult DentalAmbetter Health | $457 | $2,000 | $8,200 |
| Complete GoldAmbetter Health | $464 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult DentalAmbetter Health | $477 | $1,450 | $7,500 |
| Elite GoldAmbetter Health | $501 | $0 | $6,500 |
Showing 5 of 23. See all Indiana Gold plans →
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Ambetter Health | 6 | $446 | $477 | $0–$2,000 |
| CareSource | 6 | $608 | $629 | $2,000–$3,000 |
| UnitedHealthcare | 5 | $578 | $594 | $2,000–$2,350 |
| Cigna Healthcare | 4 | $582 | $612 | $2,000–$2,700 |
| Anthem Blue Cross and Blue Shield | 2 | $557 | $562 | $2,000–$2,200 |
How Gold compares to the rest
States with similar Gold premiums
Indiana Gold plans, answered
What are the copays on Indiana Gold plans?
Who is eligible for a Gold plan in Indiana?
What is the deductible on Indiana Gold plans?
Are Gold plans available in my Indiana county?
When can I enroll in a Marketplace plan in Indiana?
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