State ACA Marketplace guide · Plan year 2026 · Updated 2026-09-02
The Indiana ACA Marketplace: what it is, what plans cost, and who gets help
The ACA Marketplace (“Obamacare”) is where people who don’t get health insurance through a job or a government program buy their own plan. In Indiana that means HealthCare.gov. Every plan sold there covers the same essential benefits, can’t turn you down or charge more for your health history, and — for most households under about $62,600 for one person or $128,600 for a family of four — comes with a tax credit that pays part of the premium.
How the Indiana marketplace works
Indiana uses the federal marketplace, so you shop and enroll at HealthCare.gov (or by phone, or with a free local navigator). The plans are sold by private insurers — between 2 and 5 of them depending on your county — and are grouped into metal tiers (Bronze, Silver, Gold, Platinum) that describe how the cost is split between your premium and what you pay when you use care.
Statewide, a 40-year-old pays about $399/mo for the cheapest Bronze plan and $467/mo for the cheapest Silver in a typical county before any credit — but the benchmark plan ranges from $446 in Daviess County to $516 in Whitley County, which is why the next section asks for your county.
Medicaid: Indiana expanded Medicaid, so adults under 65 qualify on income alone: up to 138% of the poverty level, roughly $22,025 a year for one person or $45,540 for a family of four (2026 guidelines). If you are under that line, Medicaid — not a marketplace plan — is almost always the right answer, and you can apply any day of the year.
What it would cost you
Marketplace prices are set county by county, by age, and by income. Pick your county and add your details — every figure below is from the federal plan file for Indiana, not a state average. Nothing you enter here is saved.
92 counties on file for Indiana. Prices shown are for a non-smoker at the age you enter; add your income and we’ll apply the 2026 premium tax credit.
The statewide picture
Medians across Indiana’s 92 counties for a 40-year-old non-smoker, before tax credits. Younger people pay less, older people up to three times more.
| Tier | Lowest premium | Typical premium | Deductible | Out-of-pocket max | Counties offering |
|---|---|---|---|---|---|
| Bronze | $399/mo | $438/mo | $10,150 | $10,150 | 92 of 92 |
| Silver | $467/mo | $571/mo | $7,000 | $8,850 | 92 of 92 |
| Gold | $648/mo | $778/mo | $2,000 | $8,200 | 92 of 92 |
| Platinum | $1,145/mo | $1,147/mo | $0 | $5,200 | 92 of 92 |
| Catastrophic | $394/mo | $394/mo | $10,600 | $10,600 | 85 of 92 |
What the tiers mean
- Bronze. Lowest premium, highest deductible. Fine if you rarely see a doctor and could absorb a big bill.
- Silver. The middle option — and the only tier where lower-income households get extra cost-sharing help (CSR).
- Gold. Higher premium, low deductible. Often cheapest overall for people with regular care or prescriptions.
- Platinum. Highest premium, almost no deductible. Rarely sold; worth it only for very heavy use.
- Catastrophic. Under-30s (or hardship exemption) only. Very low premium, but you pay nearly everything until the cap.
Deductible and out-of-pocket figures are for the lowest-premium plan in each tier (individual coverage). Source: CMS QHP Landscape, plan year 2026.
The mistake most people make is reading only the first column. A Bronze plan that is $68 a month cheaper than Silver costs $816 less a year in premiums — and $3,150 more in deductible before it pays for much. Which one is cheaper depends entirely on how much care you use, which is the whole point of running your own numbers.
Who gets help paying, and how much
For 2026 coverage the premium tax credit goes to households between 100% and 400% of the federal poverty level who do not have an affordable offer of coverage from a job: $15,650–$62,600 a year for one person, $32,150–$128,600 for a family of four. The credit caps what you pay for the benchmark Silver plan at a percentage of your income (about 2% at the bottom of the range, just under 10% at the top), and you can spend it on any tier. The enhanced credits that removed the 400% cap expired after 2025, so households just over the line now pay full price — the “cliff.”
| Single person, age 40, earning | % of poverty level | Max you pay for benchmark Silver | Typical credit in Indiana |
|---|---|---|---|
| $25,000/yr | 160% | $97/mo | $377/mo |
| $35,000/yr | 224% | $218/mo | $256/mo |
| $50,000/yr | 319% | $415/mo | $59/mo |
| $65,000/yr | 415% | No cap — full price | $0 |
Credit column uses Indiana's median benchmark Silver premium ($474/mo at age 40); your county's benchmark decides your actual credit. Poverty level: 2025 HHS guidelines, which 2026 coverage is measured against. Applicable percentages: IRS Rev. Proc. 2025-25.
How to enroll in Indiana
Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1; enroll after that and it starts February 1.
Outside that window you need a qualifying life event — losing other coverage, moving, marriage, a birth — which opens a 60-day special enrollment period. Medicaid and CHIP have no enrollment window at all. Before you sit down to enroll, have a household income estimate for next year, everyone’s dates of birth, and, if a job offers you coverage, what the cheapest employee-only plan there would cost you per month; that last number decides whether you can get a credit instead.
Common questions about the Indiana marketplace
Is the Indiana marketplace the same as Obamacare?
Yes. "Obamacare," "the ACA Marketplace," and "HealthCare.gov" all refer to the same thing in Indiana: the place people who don't get insurance from a job or a government program buy their own coverage and receive premium tax credits.
How much does health insurance cost in Indiana in 2026?
Before tax credits, a 40-year-old in a typical Indiana county pays about $399 a month for the cheapest Bronze plan and $467 for the cheapest Silver; the benchmark Silver plan runs from $446 in Daviess County to $516 in Whitley County. Most households under 400% of the poverty level pay far less after the premium tax credit.
Do I qualify for a subsidy in Indiana?
For 2026 coverage, premium tax credits go to households between 100% and 400% of the federal poverty level — $15,650 to $62,600 for one person, $32,150 to $128,600 for a family of four — who do not have an affordable offer of employer coverage. The enhanced credits that removed the 400% cap expired at the end of 2025.
Who qualifies for Medicaid in Indiana?
Indiana expanded Medicaid, so adults under 65 qualify on income alone: up to 138% of the poverty level, roughly $22,025 a year for one person or $45,540 for a family of four (2026 guidelines). If you are under that line, Medicaid — not a marketplace plan — is almost always the right answer, and you can apply any day of the year.
When is Open Enrollment in Indiana?
Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1; enroll after that and it starts February 1.
Not sure the Marketplace is even your best option?
Five minutes, free, no account needed to start. Verd prices Marketplace tiers, Medicaid, employer coverage, and more against your actual situation using your county’s real 2026 plan data — and tells you which one costs the least.
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