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Indiana · 2026 plan year

Silver health insurance plans in Indiana (2026)

There are 30 Silver plans on the Indiana Marketplace from 5 insurers, and they are not interchangeable — premiums run from $344 to $508 a month for the same metal tier. Here is what separates them.

30
Silver plans
5
Insurers
85
Counties covered
$344
Cheapest premium
$6,000
Median 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 Silver premiums rank 3rd cheapest of 35.

Averaged across all 30 plans, Silver coverage in Indiana costs $421 a month before subsidies — 3rd 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.

Cost

What a Silver plan costs in Indiana in 2026

Across all 30 Silver plans in Indiana, monthly premiums run from $344 to $508, averaging $421. 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.

Deductibles

Silver plan deductibles in Indiana

Silver deductibles in Indiana run from $3,500 to $7,000, with a median of $6,000 across the 27 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 $5,852 because the spread is not symmetric. The other 3 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.

Out-of-pocket maximum

Silver out-of-pocket maximums in Indiana

Individual out-of-pocket maximums on Indiana Silver plans run from $5,500 to $10,600, with a median of $8,900. 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.

Lowest premiums

The cheapest Silver plans in Indiana

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives)Anthem Blue Cross and Blue Shield$344$7,000$8,850
Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)Anthem Blue Cross and Blue Shield$349$6,000$8,900
Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Anthem Blue Cross and Blue Shield$350$4,500$8,800
Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Anthem Blue Cross and Blue Shield$350$7,000$8,850
Standard SilverAmbetter Health$361$6,000$8,900

Showing 5 of 30. See all Indiana Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
CareSource9$416$427$5,000–$6,200
Cigna Healthcare6$418$441$4,400–$6,800
UnitedHealthcare6$469$487$6,000–$7,000
Anthem Blue Cross and Blue Shield5$344$351$3,500–$7,000
Ambetter Health4$361$367$6,000–$6,300
Other tiers in Indiana

How Silver compares to the rest

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

All IndianaMarketplace plans →

Nearby on price

States with similar Silver premiums

New Hampshire
Avg $377
16 Silver plans
South Carolina
Avg $431
53 Silver plans
Oregon
Avg $435
19 Silver plans
Common questions

Indiana Silver plans, answered

What are the copays on Indiana Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 30 Silver plans in Indiana, out-of-pocket maximums run $5,500 to $10,600, and deductibles on the 27 plans with one combined deductible run $3,500 to $7,000. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Indiana?
Anyone eligible to buy Marketplace coverage in Indiana can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($421 a month on average) is higher than Gold in some states.
What is the deductible on Indiana Silver plans?
Silver deductibles in Indiana run from $3,500 to $7,000 across the 27 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $5,500 to $10,600. The spread inside a single 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 Silver plans available in my Indiana county?
Silver 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 Marketplace plan in Indiana?
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 Silver premiums in Indiana start at $344 a month before any subsidy.

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