Indiana
Cheapest ACA plans in Warsaw, Indiana for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Warsaw is in Kosciusko County, Indiana. 4 carriers sell 2026 ACA plans on Healthcare.gov for residents of Kosciusko County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $386/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Kosciusko County, including Warsaw.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Warsaw (Kosciusko County), 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).
| Tier | Cheapest age 40 monthly | Plans in Kosciusko County |
|---|---|---|
| Catastrophic | $383 | 1 |
| Bronze | $386 | 2 |
| Expanded Bronze | $402 | 10 |
| Silver | $452 | 18 |
| Gold | $654 | 14 |
| Platinum | $1,186 | 2 |
The actual cheapest Bronze plan in Warsaw
Anthem Insurance Companies, Inc. Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives)
$386/moFor a family of four (two 40-year-olds and two kids under 14): Anthem Insurance Companies, Inc. Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) at $1,235/month before subsidies.
Carriers selling 2026 plans in Warsaw
4 carriers sell 2026 plans on Healthcare.gov for Kosciusko County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 120 plans total in Kosciusko County.
| Carrier | On-exchange plans |
|---|---|
| CareSource | 22 |
| Anthem Insurance Companies, Inc. | 14 |
| Coordinated Care Corporation | 10 |
| Anthem | 1 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Ambetter | 60 |
What you'll actually pay in Warsaw
Estimated monthly net premium for the cheapest Bronze plan above ($386/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Kosciusko Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $362/mo | $24/mo |
| $40,000 | 256% | $172/mo | $214/mo |
| $60,000 | 383% | $0/mo | $386/mo |
| $100,000 | 639% | — | $386/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $907/mo | $328/mo |
| $130,000 | 404% | — | $1,235/mo |
| $200,000 | 622% | — | $1,235/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Warsaw, Indiana for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Anthem Insurance Companies, Inc. Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) at $386 per month before subsidies. Plans sell through Healthcare.gov. Warsaw is in Kosciusko County, Indiana; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Warsaw's 2026 ACA pricing compare to other Indiana cities?
Cheapest Bronze for a 40-year-old in Warsaw is $386 per month before subsidies. For comparison: Indianapolis at $401/mo; Fort Wayne at $432/mo; South Bend at $386/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Indiana use Healthcare.gov?
Yes. Indiana participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Indiana does not operate a state-based exchange.
Has Indiana expanded Medicaid?
Yes, effective January 2015 via the Healthy Indiana Plan 2.0 (HIP 2.0), a §1115 waiver program. HIP 2.0 covers adults 19-64 up to 138% FPL but includes POWER account cost-sharing features and other requirements not found in standard Medicaid expansion. There is no coverage gap in Indiana.
What is HIP 2.0?
HIP 2.0 is Indiana’s §1115 waiver Medicaid expansion. It covers adults 19-64 up to 138% FPL, but structures benefits around a POWER account (a type of health savings mechanism) with small required contributions and a tiered benefit structure (HIP Plus, HIP Basic, HIP State Plan). Eligibility follows the ACA 138% FPL threshold.
More Indiana pricing
- Statewide Indiana pricing and metal tiers
- Indianapolis pricingcheapest Bronze $401/mo
- Fort Wayne pricingcheapest Bronze $432/mo
- South Bend pricingcheapest Bronze $386/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Indiana Department of Insurance for rate review, carrier filings, and consumer guidance.
- Indiana Family and Social Services Administration: Healthy Indiana Plan for HIP 2.0 Medicaid expansion eligibility and enrollment.
- KFF: Indiana State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.