Cheapest ACA plans in Indiana for 2026

Cheapest plans by metal tier

Lowest 2026 monthly premium for a single 40-year-old non-tobacco user, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).

The actual cheapest plan in major counties

Same data the search returns: carrier, plan name, monthly premium, individual deductible, individual MOOP. Computed for a single 40-year-old non-tobacco user, before any subsidy. Catastrophic plans excluded because adults 30+ typically need a hardship-exemption certificate to enroll.

The actual cheapest plan for a family of four

Two 40-year-old adults and two kids in the 0-14 age band, before any subsidy. Carrier, plan name, premium, deductible, and MOOP exactly as the search would return them.

Subsidies: federal APTC only (no state premium subsidy)

Indiana does not fund a supplemental state premium subsidy or §1332 reinsurance waiver. Marketplace help is federal only:

1. Federal Advance Premium Tax Credit (APTC). Households 100-400% FPL on the PY2026 standard ACA contribution curve. The ARPA / IRA enhanced subsidies expired 2025-12-31 and are not in effect for 2026, so the hard 400% FPL cliff is back and subsidized net premiums are meaningfully higher than PY2025 for most enrollees.
2. Federal cost-sharing reductions (CSRs). Households 100-250% FPL enrolled in a Silver plan receive reduced deductibles, copays, and out-of-pocket maximums automatically.

Indiana expanded Medicaid effective January 2015 through the Healthy Indiana Plan 2.0 (HIP 2.0), a §1115 waiver program with POWER account cost-sharing features distinct from standard expansion. Adults 19-64 up to 138% FPL qualify, so there is no coverage gap in Indiana.

Catastrophic plans in Indiana follow federal rules

Indiana follows the federal ACA default: Catastrophic plans are available to enrollees under age 30, or at any age with a hardship / affordability exemption. The PY2026 federal auto-expansion applies: adults 30+ automatically qualify when the lowest-cost Bronze plan exceeds the affordability threshold. APTC does not apply to Catastrophic plans.

Tobacco surcharges follow the federal 1.5x default in Indiana

Indiana applies the federal ACA default (45 CFR 147.102): carriers may charge tobacco users up to 50% more than non-users (a 1.5-to-1 rate ratio). The Indiana Department of Insurance reviews rate filings under IC Title 27. No Indiana-specific cap below the federal 1.5x ceiling has been identified. Federal APTC does not offset the tobacco portion of the premium.

Carriers selling 2026 plans in Indiana

6 carriers, 11,724 plans across 92 counties. 4,789 sold on Healthcare.gov, 6,935 off-exchange-only direct from carriers. Anthem Blue Cross Blue Shield (Elevance) carries the statewide individual market with broad county coverage. CareSource and Ambetter (Celtic) compete in Indianapolis, Fort Wayne, and other metros. MDwise and US Health and Life (Ascension) serve select regions.

Enrollment

Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026. Enroll by December 15 for a January 1 effective date; December 16 through January 15 takes effect February 1. Special Enrollment is available year-round for qualifying life events.

Direct enrollment: healthcare.gov.

Frequently asked questions