SimpliveraCoverage Companion
Indiana · 2026 plan year

Gold health insurance plans in Indiana

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.

23
Gold plans
5
Insurers
85
Counties covered
$446
Cheapest premium
$1,878
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Indiana Gold premiums rank 20th cheapest of 30.

Averaged across all 23 plans, Gold coverage in Indiana costs $573 a month before subsidies — 20th lowest of the 30 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.

Lowest premiums

The cheapest Gold plans in Indiana

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-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 →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Ambetter Health6$446$477
CareSource6$608$629
UnitedHealthcare5$578$594
Cigna Healthcare4$582$612
Anthem Blue Cross and Blue Shield2$557$562
Other tiers in Indiana

How Gold compares to the rest

Bronze
Avg $343 · from $294
24 plans
Silver
Avg $421 · from $344
30 plans
Gold
Avg $573 · from $446
23 plans · you are here

All IndianaMarketplace plans →

Nearby on price

States with similar Gold premiums

Montana
Avg $571
34 Gold plans
Tennessee
Avg $597
32 Gold plans
Oklahoma
Avg $598
54 Gold plans
Common questions

Indiana Gold plans, answered

What are the copays on a Indiana Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 23 Gold plans in Indiana, deductibles average $1,878 and the out-of-pocket maximum averages $7,761. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Indiana?
Any Indiana Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,878 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Indiana Gold plan?
The average across all 23 Gold plans in Indiana is $1,878, with an average out-of-pocket maximum of $7,761. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Indiana county?
Gold plans are sold in 85 Indiana counties, from 5 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Indiana Marketplace plan?
Indiana uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Indiana start at $446 a month before any subsidy.

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