Best Cheap Health Insurance in Indiana (2025)
Anthem BCBS has the best health insurance in Indiana. A Silver plan from Anthem can cost as little as $317 per month before discounts.
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Best and cheapest health insurance in Indiana
Aetna will stop selling new health insurance plans in Indiana at the end of this year. If you have Aetna coverage, you'll need to choose a new company when open enrollment starts on Nov. 1, 2025. You can sign up through Jan. 15, 2026.
Consider Anthem for a good combination of service and affordable coverage or Ambetter if you want the cheapest rates in Indiana.
Cheapest health insurance companies in Indiana
Ambetter, Anthem and CareSource sell the cheapest health insurance plans in Indiana, with Silver plans starting at $304 per month before discounts.
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Affordable health insurance in Indiana
Company |
Cost
| |
|---|---|---|
| Ambetter Health | $304 - $490 |
| Anthem Blue Cross and Blue Shield | $317 - $451 |
| CareSource | $384 - $582 |
| Aetna CVS Health | $409 - $557 |
- Ambetter has the cheapest overall rates in Indiana starting at $304 per month for a Silver plan, but Anthem BCBS is a better choice for most people. Its cheapest Silver plan is only $13 more per month than Ambetter, and it has better customer satisfaction.
- Anthem BCBS has the cheapest rates for about six in 10 people in Indiana. The company has the most affordable quotes in several large Indiana cities including Indianapolis (and much of its metropolitan area), Evansville and Hammond.
- Ambetter from MHS is the cheapest option for about four in 10 Indiana residents in a little more than half the counties in the state. It's the most affordable option in Fort Wayne and South Bend.
Best health insurance companies in Indiana
Anthem Blue Cross and Blue Shield (BCBS) has the best health insurance in Indiana for most people.
While Anthem has an overall rating of 2.5 stars out of 5 from HealthCare.gov, it gets a high 4-star rating for member experience. This means it usually has great customer service.
Plus, its large doctor network makes it easy to get medical care. Its plans are also affordable. The cheapest Silver plan from Anthem costs just $317 per month. It's also the most popular company in Indiana, selling more than half of all plans in the state.
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Best-rated health insurance companies in Indiana
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Anthem Blue Cross and Blue Shield | 2.5 | |
| Ambetter Health | NA | |
| Aetna CVS Health | NA | |
| UnitedHealthcare | NA | |
| CareSource | 4.0 |
Ambetter from MHS has good ratings from HealthCare.gov, but its customer service isn't as good as Anthem's. Ambetter from MHS has almost twice the number of complaints expected for a company its size. Anthem has two-thirds fewer complaints than expected. That likely means more of its customers are happy with Anthem's service.
CareSource: Best for quality plans
CareSource has a strong four out of five stars from HealthCare.gov. These ratings measure customer satisfaction, plan management and quality. However, CareSource only sells HMOs and it doesn't have the cheapest rates.
Consider CareSource if you prioritize high-quality coverage over getting the cheapest rate.
How much does health insurance cost in Indiana?
Health insurance in Indiana costs an average of $432 per month if you pay full price, but if you get discounts based on your income, you could pay an average of $82 per month.
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- Higher plan tiers, like Gold, cost more each month, but they let you get cheaper medical care.
- Your age also affects your health insurance costs, since your medical needs tend to increase as you get older.
- Monthly rates start cheap and increase sharply as you reach middle age. In Indiana, a 60-year-old will pay more than twice as much as a 40-year-old for the same level of coverage across all plan tiers.
Get affordable health insurance in Indiana with subsidies
You could pay an average of $82 per month for health insurance in Indiana if you qualify for low-income discounts.
Almost 9 in 10 Hoosiers who buy health insurance from HealthCare.gov qualify for at least one type of health insurance discount. Discounts on your monthly rate are called subsidies. In Indiana, 41% of people pay $10 or less each month for a plan.
If you're single and make between $15,606 and $60,240 per year, you qualify for the discount on monthly rates. If you're a family of four, the income range is $31,200 to $124,800 per year. The less you make, the more you'll save.
You can use subsidies to lower the cost of a Bronze, Silver or Gold plan from any insurance company in Indiana.
If you qualify for rate subsidies, you might also qualify for another type of discount, called a cost-sharing reduction — this lowers how much you pay for medical care.
Cheap Indiana health insurance plans by city
Anthem BCBS has the cheapest health insurance in Indianapolis and its major suburbs, such as Carmel, Fishers and Noblesville.
But Ambetter is also a cheap option for a lot of Hoosiers. It has the cheapest rates in Fort Wayne, South Bend and Bloomington.
Cheapest health insurance plans by IN county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Adams | Anthem Silver Essential | $417 |
| Allen | Ambetter Health Clear Silver | $416 |
| Bartholomew | Ambetter Health Clear Silver | $357 |
| Benton | Anthem Silver Essential | $377 |
| Blackford | Anthem Silver Essential | $375 |
Cheapest Silver plan with rates for a 40-year-old
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Anthem has the cheapest rates for slightly more than half the people in Indiana, mostly in the northern and central portions of the state. Ambetter is the most affordable option in the rest of Indiana. It has the best rates in much of southern Indiana.
But companies in Indiana charge similar health insurance rates. It's a good idea to get quotes from several companies and compare your options.
Best health insurance by level of coverage
The best health insurance for you depends on your monthly budget, how often you go to the doctor, what you can afford to spend on medical care and where you live.
One thing to think about when choosing your health insurance is your plan tier. The tier you choose — Bronze, Silver, Gold or Platinum — determines how much you can expect to pay monthly, and also how much you’ll have to pay when you go to the doctor. These are called "out-of-pocket costs" and include your deductible, copays and coinsurance.
Silver plans are a good choice for most people, as they offer affordable rates and reasonable out-of-pocket costs. However, you might choose a Bronze plan if you're younger or healthier, since you'll probably save money overall with low monthly rates. But Gold or Platinum plans might make the most sense for you if you're in and out of the hospital frequently.
In 2025, there are no Catastrophic plans available in Indiana.
Platinum plans: Best if you need expensive treatment
| Platinum plans pay for about 90% of your medical care. |
In Indiana, Platinum plans cost $1,141 per month, on average. But you don't have to pay anything out of pocket before coverage starts, because these plans have a $0 deductible.
A Platinum health plan is a good choice if you expect to need a lot of expensive medical care in the coming year. That's because Platinum plans have high monthly rates, but you pay very little when you see the doctor.
Gold plans: Best if you need medical care often
| Gold plans pay for about 80% of your medical care. |
Gold plans cost an average of $596 per month in Indiana.
Gold plans have high monthly rates, but you'll pay less when you visit the doctor or get a prescription filled. Gold plans also usually have lower deductibles, meaning your medical insurance will kick in sooner if you get sick.
Gold plans are best for people with chronic illnesses, expensive prescriptions or those who need expensive treatments. Even though you'll pay more each month, the low out-of-pocket costs can make the plan worthwhile.
Silver plans: Best for most people
| Silver plans pay for about 70% of your medical care. |
You'll pay an average of $432 per month for a Silver plan in Indiana.
Silver plans are a good option for most people, as they offer a balance between affordable monthly rates and reasonable out-of-pocket costs.
If you aren't sure what level of coverage you need, start by looking at Silver plans. If you have a low income, you might also qualify for extra discounts with a Silver plan that can lower what you pay when you go to the doctor.
Bronze plans: Best for healthy people with emergency savings
| Bronze plans pay for about 60% of your medical care. |
Hoosiers pay an average of $375 per month for Bronze plans.
Bronze plans usually have the lowest monthly rates. However, high out-of-pocket costs can make a Bronze plan more expensive than a Silver or Gold plan if you become seriously sick or injured.
You should only consider a Bronze plan if you're in good health and have enough money in your savings account to cover an unexpected medical bill.
Cheap or free health insurance in Indiana if you have a low income
Medical insurance in Indiana is cheaper than it is in many other states. But if you still can't afford a plan or struggle to pay for doctor visits, you might be able to get extra help from the state.
Medicaid in Indiana
Medicaid is a form of free health insurance offered by the government.
In Indiana, you can go on Medicaid if you earn about $21,000 per year ($44,000 for a family of four) or less. If you're over the age of 65, you may qualify for both Medicaid and Medicare, which could lower your medical costs even further.
Use cost-sharing reductions for cheaper medical care
If you buy a Silver plan, you might qualify for extra discounts that lower what you pay when you go to the doctor by giving you a smaller deductible, copay and coinsurance. They're called cost-sharing reductions (CSRs).
If you qualify for cost-sharing reductions, you might also qualify for rate subsidies that lower the monthly cost of your insurance.
Are health insurance rates going up in IN?
Health insurance got slightly cheaper on average in Indiana between 2024 and 2025. Bronze plan rates fell by an average of 5% and Silver plans got 1% cheaper, on average. The cost of a Gold plan rose by 2%, on average. Rates are likely to be even higher in 2026.
Bronze
Silver
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $377 | - |
| 2023 | $384 | 2% |
| 2024 | $396 | 3% |
| 2025 | $375 | -5% |
Monthly costs are for a 40-year-old.
Bronze
Year | Cost | Change |
|---|---|---|
| 2022 | $377 | - |
| 2023 | $384 | 2% |
| 2024 | $396 | 3% |
| 2025 | $375 | -5% |
Monthly costs are for a 40-year-old.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $433 | - |
| 2023 | $425 | -2% |
| 2024 | $436 | 3% |
| 2025 | $432 | -1% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $573 | - |
| 2023 | $571 | 0% |
| 2024 | $583 | 2% |
| 2025 | $596 | 2% |
Monthly costs are for a 40-year-old.
Platinum plans were not available on the Indiana health marketplace in 2024.
Why is health insurance expensive in Indiana in 2026?
Health insurance rates are going up because of a continued increase in the cost of health care.
When health care costs go up, health insurance companies have to pay more when their customers go to the doctor or get medication. To make up for the higher costs, companies raise rates for everyone.
In addition, the high cost and popularity of GLP-1 weight-loss drugs like Ozempic and Wegovy have put a strain on many insurance companies.
Indiana health insurance companies have asked permission to raise rates by 31%, on average.
Another possible cause for higher rates in 2026 is a change in marketplace discounts. Since 2021, people with low incomes have been able to get bigger discounts, called "enhanced subsidies." However, these extra discounts are set to expire at the end of 2025. Unless Congress extends them, you'll likely pay for health insurance even if you get discounts.
What to do if your rate goes up in 2026
- Shop around and get quotes. Look at the other medical insurance companies in your area and see if there's a cheaper option that still meets your needs. Just make sure your doctors accept the plan before you buy it.
- Consider a lower-tier plan. You could drop down to a lower-tier plan like Bronze, as long as you don't go to the doctor often. Just keep in mind that this means you’ll have to pay for more of your medical care yourself. Opening an HSA can be a good way to save for medical costs.
- Check if you can get discounts. Discounts offered may not be as big in 2026, but you should still check to see if you qualify. If you have a lower income, subsidies are an easy way to get a cheaper monthly rate.
- See if you get can Medicaid. In Indiana, you can get Medicaid if you make less than around $21,000 per year as an individual or $44,000 per year as a family of four. If you can get Medicaid, your health care will usually be free or very cheap.
Marketplace insurance in Indiana is also called "Obamacare" insurance or "Affordable Care Act (ACA)" insurance. Any plan that you buy on HealthCare.gov is a marketplace plan.
No matter what plan tier you buy, you'll have coverage for at least 10 common health care situations, including doctor visits, emergency care and prescriptions.
The difference between the plan tiers is how much of your medical bills they'll pay. Bronze plans pay the least and Gold plans pay the most.
Average cost of health insurance by family size in Indiana
In Indiana, as in most places, your medical insurance costs will grow along with the size of your family. A single parent and child can expect to pay $432 per month for coverage on average.
Children under the age of 15 are charged a flat rate, at $258 per month on average. Rates increase each year for your spouse and children 15 and over.
A typical married couple of two 40-year-old people will pay $863 per month.
Family size | Average monthly cost |
|---|---|
| Individual | $432 |
| Individual + Child | $690 |
| Couple, age 40 | $863 |
| Family of three | $1,122 |
| Family of four | $1,380 |
Averages based on a Silver plan for 40-year-old adults and children who are under age 15.
COBRA insurance in Indiana
In Indiana, COBRA costs about $722 per month for an individual and $2,030 per month for families.
COBRA is a program that lets you keep the health insurance you had with your employer for a year and a half from the time you leave.
Unless you need a specific type of coverage that's only available on the plan from your old job, it's usually a better option to buy a plan from HealthCare.gov. A Silver plan costs $432 per month for one person and $1,380 per month for a family of four. That's much cheaper than COBRA.
Short-term health insurance in Indiana
The Trump administration rolled back a new rule in January that would limit the length of short-term health policies to three months. Although there isn't a public timeline for when this change will happen, short-term health insurance could be available in Indiana for up to 364 days sometime in the coming year.
You can buy a short-term health plan at any time of the year, which makes it a good option for people who can't get regular medical insurance. However, short-term policies usually have worse coverage than marketplace plans.
Pros of short-term health insurance in Indiana
Cons of short-term health insurance in Indiana
Frequently asked questions
Does Indiana have free health care?
You can qualify for Medicaid, which gives you free health insurance in Indiana, if you make roughly $21,000 per year ($44,000 for a family of four) or less. Adults age 65 and older may qualify for Medicare, and working-age adults may be eligible for marketplace subsidies if they buy their health insurance through HealthCare.gov and have a low income.
How much is health insurance in Indiana per month?
In Indiana, a 40-year-old will pay $432 per month for a Silver health insurance plan, on average. Both your age and the plan tier you choose will influence your
What is the most popular health insurance in Indiana?
Anthem Blue Cross Blue Shield (recently renamed to Elevance) is the most popular health insurance company in Indiana, selling half the plans in the state. It also has one of the cheapest average costs for a Silver health plan in Indiana, and gets significantly fewer complaints compared to the average health insurance company when adjusted for size.
Can I get health insurance for $100 a month in IN?
If you have a low income and you can get discounts, you might be able to get health insurance for $100 per month in Indiana. Before discounts, medical insurance usually costs an average of $432 per month for a 40–year-old with a Silver plan, or $338 per month for a 21-year-old with the same coverage.
Methodology
To find the best and cheapest health insurance in Indiana, ValuePenguin used public use files (PUFs) from the Centers for Medicare & Medicaid Services (CMS) government website. Rates are for a 40-year-old with a Silver plan unless otherwise noted. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this dataset may not appear. Info about COBRA in Indiana came from KFF.
Rates for plans with subsidies are from CMS data and include info for all people who purchased health insurance during 2024 open enrollment and who were eligible for advanced premium tax credits (APTCs).
Data about rate increase requests from Indiana health insurance companies is from the Peterson-KFF Health System Tracker.
Other sources include the National Association of Insurance Commissioners (NAIC) and S&P Global Capital IQ.
Senior Writer
Talon Abernathy is a ValuePenguin Senior Writer who specializes in health insurance, Medicare and Medicaid. He's also contributed to other insurance verticals including home, renters, auto, motorcycle and flood insurance.
Talon came to ValuePenguin in 2023. Since his arrival, he's helped to expand the site's health insurance-related content offerings. He enjoys helping readers understand the ins and outs of America's all too complicated health insurance landscape.
Before coming to ValuePenguin, Talon worked as a freelance writer. His prior work has touched on a broad range of personal finance-related topics including credit-building strategies, small business incorporation tactics and creative ways to save for retirement.
Insurance tip
In many parts of the country, you can qualify for a free Silver health insurance plan if you meet certain income requirements. Government subsidies in the form of premium tax credits and cost-sharing reductions may mean you'll pay nothing for coverage.
Expertise
- Health insurance
- Medicare and Medicaid
- Flood insurance
- Homeowners insurance
- Renters insurance
- Auto and motorcycle insurance
Referenced by
- The Miami Herald
- Money.com
- MSN
- Nasdaq
- The Sacramento Bee
- Yahoo! Finance
Education
- BA, University of Washington
- Certificate in Copyediting, UC San Diego
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
