Anthem (BCBS) offers Indiana's cheapest overall health insurance with an average monthly premium of $435. While availability might differ, consider Aetna, Ambetter, CareSource and Cigna for more affordable health plans in the state.
Cheapest Health Insurance in Indiana: Affordable Plans for 2025
Updated: October 21, 2025
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Key Takeaways
Anthem offers Indiana's most affordable health insurance, with an average monthly savings of $435 compared to the state average.
Aetna, Ambetter and Cigna provide solid alternatives when Anthem isn't available.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Indiana
| Anthem (BCBS) | $435 | $5,219 | $8,688 |
| Cigna | $459 | $5,505 | $9,260 |
| Ambetter | $471 | $5,654 | $7,830 |
| Aetna | $474 | $5,690 | $8,819 |
| CareSource | $478 | $5,731 | $8,610 |
| US HEALTH AND LIFE INSURANCE COMPANY | $493 | $5,919 | $9,183 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Most Affordable Health Insurance Company Indiana: Anthem (BCBS)
Anthem Blue Cross and Blue Shield
MoneyGeek Score:
95/ 100
Overview
Anthem BCBS delivers the state's lowest rates at $435 monthly, making it the cheapest health insurance in Indiana. Their Sydney Health app connects you to doctors 24/7 through chat or video visits at no extra cost on most plans. You'll pay less when something goes wrong thanks to better out-of-pocket limits than competitors. Need help with asthma? Their condition care managers provide free coaching and education to help you avoid emergency room visits.
Cheapest Indiana Health Insurance Plans by Profile
While Anthem offers the best overall rates in Indiana, your age determines what you'll actually pay. Premiums climb steadily as you age: a 26-year-old pays $348 monthly, doubling to $435 by age 40, then doubling again to $924 at 60. Pregnancy coverage costs slightly more at $459 monthly than standard adult rates. We've broken down the cheapest options by age group and other profiles so you can see exactly what applies to your situation.
| Children (0-14) | Anthem (BCBS) | $260 | $3,124 |
| Teens (18) | Anthem (BCBS) | $311 | $3,728 |
| Young Adults (26) | Anthem (BCBS) | $348 | $4,182 |
| Adults (40) | Anthem (BCBS) | $435 | $5,219 |
| Pregnant Women (40) | Cigna | $459 | $5,505 |
| Seniors (60) | Anthem (BCBS) | $924 | $11,083 |
Cheapest Health Insurance Plans by City in Indiana
While Anthem (BCBS) is the cheapest company overall, other providers offer the most affordable and widely available silver plans in most cities, giving consumers valuable options. Below, you can review which company and plan are most affordable in your area.
Data filtered by:
Fort Wayne
Adults
| Ambetter | $522 | $6,261 | Fort Wayne |
How to Find the Cheapest Health Insurance in Indiana
Follow these steps to find affordable health insurance in Indiana:
- 1Determine what coverage plan you need and can afford
Depending on your personal health circumstances and income, your type of coverage plan and tier needed will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health and determine your risk for injury or disease based on your location, age and habits.
- 2Find out your subsidy eligibility
Individuals earning between $15,650 and $62,600 qualify for premium tax credits, resulting in 40% to 100% cost reductions. For those earning below 250% of the Federal Poverty Level ($39,125), cost-sharing reductions can lower out-of-pocket expenses by up to 73%. Check your eligibility to benefit from these savings.
- 3Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5Compare plans during Enrollment
Open Enrollment spans from November 1 to January 15, or you might qualify for Special Enrollment due to life changes such as job loss or having a child. Compare the types of coverage, customer ratings, costs and the availability of medical providers to choose the best plan for your needs.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the deadline to avoid technical issues. Have your income documentation, Social Security numbers and immigration documents ready when applying to ensure a smooth enrollment process.
Most Affordable Health Insurance in Indiana: Bottom Line
Indiana's most affordable health insurance providers are Cigna, Aetna, Ambetter, UnitedHealthcare and Anthem (BCBS). While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Indiana Health Insurance: FAQ
Below are frequently asked questions about cheap health insurance in Indiana:
What is the cheapest health insurance in Indiana?
In Indiana, Anthem (BCBS) provides the most affordable health insurance, with silver plans for 40-year-olds starting at $435 per month. Consider Ambetter, CareSource, Aetna and Cigna for other competitive rates based on your situation.
What are the downsides of a cheap health insurance plan?
Although you'll pay a lower monthly premium for a cheap health insurance plan, you may pay higher out-of-pocket costs when accessing health care services. More expensive plans cover more comprehensive services and considerably lower your out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Indiana?
People earning $15,650 to $62,600 annually qualify for premium tax credits that reduce costs by 40% to 100%. Those earning under $39,125 (250% of the Federal Poverty Level) can also receive cost-sharing reductions that lower out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Indiana?
Open Enrollment spans from November 1 to January 15, or you might qualify for Special Enrollment due to life changes such as job loss or having a child.
How We Decided the Cheapest Health Insurance Companies in Indiana
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Indiana based on consumers aged 18, 26, 40, 50 and 60. We considered the cheapest overall to be those that have the lowest monthly premium costs for 40-year-olds due to most in the state being near this age demographically and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.