Best Health Insurance in Indiana (2026)

Key Takeaways

Anthem is the best health insurance in Indiana, offering affordable premiums and comprehensive coverage across all metal tier options.

Anthem offers the cheapest health insurance in Indiana, with Silver-tier HMO plans averaging $482 per month.

Compare quotes from multiple insurers, review coverage limits and deductibles, and verify your doctors accept the plan before enrolling.

Best Health Insurance Companies in Indiana

Anthem is Indiana's best health insurance, with a MoneyGeek score of 5 out of 5. Silver HMO plans from Anthem average $490 monthly, about 14% below the state average. CareSource and Ambetter round out the top providers for Indiana residents.


Anthem	$482	$5,224	$2,861	5.0	Anthem Silver Essential 7000 ($0 Virtual Pcp + $0 Select Drugs + Incentives)
Caresource	$603	$5,407	$3,040	3.8	Hdhp Preventive Silver 5500 $0 Chronic Care Drugs
Ambetter	$548	$5,489	$3,268	3.7	Focused Silver

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans. Rates vary by age and coverage level.

Anthem

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$482
Average MOOP
$5224
Average Deductible
$2861

pros
- Cheapest health insurance rates in Indiana
- Low $1,575 deductibles available on Gold tier plans
- Plans available from Bronze through Gold metal tiers
- Both HMO and POS plans offered
cons
- High $7,612 deductibles and out-of-pocket limits on Bronze plans
- Network limited to HMO and POS plan types only
- No Platinum plan options
Anthem offers HMO and POS coverage across Indiana with options for every budget. A 40-year-old pays around $244 monthly for Bronze HMO coverage, which comes with a $7,613 deductible, or $260 for Expanded Bronze with a lower $4,625 deductible. Silver plans range from $299 to $355 monthly with deductibles between $2,861 and $3,500. Gold coverage costs $462 monthly with just a $1,575 deductible and $4,838 maximum out-of-pocket limit. Premiums increase with age: 60-year-olds pay roughly 40% more across all tiers.

Anthem health insurance plans in Indiana for 2026:

Data filtered by:


Anthem Bronze Essential 10150 ($0 Virtual Pcp + $0 Select Drugs + Incentives)	$404	HMO	Bronze	$7,613	$7,613	Yes
Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual Pcp + $0 Select Drugs + Incentives)	$412	HMO	Bronze	$7,613	$7,613	Yes

CareSource

MoneyGeek Rating

3.8/ 5

4.2/5Affordability

3.6/5Deductible

2.9/5MOOP

Average Monthly Rate
$603
Average MOOP
$5,407
Average Deductible
$3,040

pros
- Second cheapest plans in Indiana
- $0 deductibles on Platinum plans
- Coverage available across all major metal tiers
cons
- Limited to HMO network structures only
- High $6,330 deductibles on Expanded Bronze plans
CareSource provides HMO coverage across all metal tiers in Indiana, offering flexibility for different budgets and health care needs. A 40-year-old pays around $296 monthly for Expanded Bronze plans with $6,330 deductibles, while Silver options range from $365 to $489 with varying deductible structures. Gold plans cost about $532 to $712 monthly with $2,000 deductibles and $6,300 out-of-pocket maximums. Platinum coverage runs $687 to $919 per month but eliminates deductibles entirely and caps out-of-pocket costs at $3,900.

CareSource health insurance plans for 2026:

Data filtered by:


Hsa Eligible Bronze 6000	$517	HMO	Expanded Bronze	$5,438	$4,500	Yes
Bronze 7500 $25 Generic Drugs	$493	HMO	Expanded Bronze	$7,500	$5,625	Yes
Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness	$498	HMO	Expanded Bronze	$7,500	$5,625	Yes
Low Premium Bronze 10600 $25 Generic Drugs	$479	HMO	Expanded Bronze	$7,950	$7,950	Yes
Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness	$483	HMO	Expanded Bronze	$7,950	$7,950	Yes

Ambetter

MoneyGeek Rating

3.7/ 5

4.4/5Affordability

2.5/5Deductible

2.5/5MOOP

Average Monthly Rate
$548
Average MOOP
$5,489
Average Deductible
$3,268

pros
- Low $863 deductibles on Gold plans
- Ranks second in the state for out-of-pocket limits
cons
- Only offers HMO plans
- Does not offer Bronze or Platinum plans
- Silver plans carry higher $3,268 deductibles
Ambetter provides HMO coverage across Indiana with competitive pricing, especially for younger enrollees. A 40-year-old pays around $328 to $548 monthly for Silver plans, which come with higher deductibles averaging $3,268 but lower premiums. Gold options range from $426 to $711 monthly with much lower deductibles around $863. Costs rise significantly with age, with 60-year-olds paying $391 to $766 for Silver and $508 to $994 for Gold coverage. One drawback is that the company only provides Silver and Gold plan options in the state.

Ambetter Indiana health insurance plans for 2026:

Data filtered by:


Elite Gold	$748	HMO	Gold	$4,875	$0	No
Elite Gold + Vision + Adult Dental	$767	HMO	Gold	$4,875	$0	No
Complete Gold	$692	HMO	Gold	$5,625	$1,088	No
Complete Gold + Vision + Adult Dental	$711	HMO	Gold	$5,625	$1,088	No
Standard Gold	$665	HMO	Gold	$6,150	$1,500	No
Standard Gold + Vision + Adult Dental	$682	HMO	Gold	$6,150	$1,500	No

Best Indiana Health Insurance by Category

Health insurance costs in Indiana depend on your age and network choice. Silver-tier plans show distinct pricing patterns across providers and age groups.

By Age:

Teens (18): Anthem HMO ($344 monthly), Cigna Healthcare EPO ($409)
Young adults (26): Anthem HMO ($386 monthly), Cigna Healthcare EPO ($459)
Adults (40): Anthem HMO ($482 monthly), Cigna Healthcare EPO ($573)
Seniors (60): Anthem HMO ($1,024 monthly), Cigna Healthcare EPO ($1,216)

By Network Type (40-year-olds):

HMO: Anthem delivers the lowest cost at $482 monthly
EPO: Cigna Healthcare offers Silver-tier benefits at $573 monthly
POS: Anthem is the only provider of POS plans in the state, with only the Expanded Bronze metal level, at $425 per month

Compare Health Insurance Companies in Indiana

Health insurance costs vary widely across metal tiers and providers in Indiana. The comparison table below shows how plans differ by age, coverage level, and HSA eligibility to help you evaluate options.

Data filtered by:


Anthem	$482	HMO	Silver	$5,224	$2,861	40	No
Ambetter	$548	HMO	Silver	$5,489	$3,268	40	No
Caresource	$603	HMO	Silver	$5,407	$3,040	40	No

*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.

How to Find the Best Health Insurance in Indiana

Finding the right health insurance in Indiana involves comparing your coverage needs, checking insurer reputations and knowing your enrollment choices.

Decide on your coverage needs before buying

Balance monthly premiums against out-of-pocket maximums based on your health needs. High-premium plans with lower deductibles work better for frequent medical visits, while low-premium options suit those rarely needing care. Consider network flexibility and referral requirements by reviewing HMO, PPO and EPO plan types to match your preferred doctors and hospitals.

Compare company offerings and reputations

Research plan availability in your area and compare coverage terms, provider networks and benefit limits. Check insurer reputations through J.D. Power ratings and state complaint databases to evaluate customer service quality and claims processing efficiency before making your decision.

Shop around

Health insurance rates in Indiana vary based on age, plan type and coverage level. Open Enrollment runs from November 1 to January 15 annually. Special Enrollment applies after qualifying life events like job loss, marriage, divorce or having a child. Compare quotes from multiple insurers to find the best value.

Take advantage of federal programs and subsidies

Indiana residents may qualify for premium tax credits and cost-sharing reductions based on income through the federal marketplace. Some eligible individuals can access $0 premium plans or Medicaid coverage. Medicare-eligible residents can explore Medicare Supplement and Medicare Advantage plans for additional coverage options.

Average Health Insurance Cost in Indiana

Indiana health insurance costs vary based on plan type, metal tier, age and location. HMO plans are the most affordable option, with Bronze coverage averaging $408 monthly and Platinum reaching $1,148. EPO plans cost more, starting at $492 for Bronze and $780 for Gold tiers. POS plans are only available in the Expanded Bronze tier, averaging $425 per month.


EPO	$492	$465	$601	$780	No Data
HMO	$408	$472	$555	$796	$1,148
POS	No Data	$425	No Data	No Data	No Data

*Average monthly premiums for 40-year-olds in Indiana by plan type. Rates vary by age and location. “No Data” means that there are no plans of the given type and metal level in the state.

Best Health Insurance in Indiana: Bottom Line

Anthem, CareSource and Ambetter lead Indiana's health insurance market. The best plan for you depends on your age, health needs, budget and preferred provider network. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums to find your best match.

Best Indiana Health Insurance: FAQ

Answers to frequently asked questions about the best health insurance in Indiana:

Is health insurance required in Indiana?

No, Indiana does not require residents to have health insurance. The state has no mandate or penalty for being uninsured. Residents can still access federal subsidies through the health insurance marketplace to make coverage more affordable if they qualify based on income.

When is open enrollment in Indiana?

Indiana's open enrollment period for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to have coverage start January 1, 2026.

Can you get free health insurance in Indiana?

Yes, Indiana residents can access free health insurance through Medicaid, which covers low-income individuals and families. Many people also qualify for premium subsidies through the federal marketplace that reduce monthly costs or eliminate them entirely.

How We Chose the Best Health Insurance in Indiana

Our rankings prioritize factors that impact costs: monthly premiums, out-of-pocket maximums and deductibles.

Scoring methodology:

Monthly premium (60%): Plans with the cheapest average monthly costs earn the highest ratings.
Maximum out-of-pocket (MOOP) score (20%): This is the most you'll pay for covered services in a year, not including premiums. Insurers with lower MOOP limits receive better scores.
Deductible (20%): This amount must be paid before your insurance starts covering costs. Plans with smaller deductibles score higher.

We standardized all scores within each plan category. The best Silver-tier HMO plan earns a perfect 5.0 score, with other plans rated relative to this top performer.

MoneyGeek examined every 2026 health insurance plan offered in Indiana for people ages 18, 26, 40, 50 and 60. Premium costs reflect 40-year-old rates unless stated otherwise. Our analysis covers all metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.

Read Full Bio »

Best Health Insurance in Indiana (2026)

Best Health Insurance Companies in Indiana

Best Indiana Health Insurance by Category

Compare Health Insurance Companies in Indiana

How to Find the Best Health Insurance in Indiana

Average Health Insurance Cost in Indiana

Best Health Insurance in Indiana: Bottom Line

Best Indiana Health Insurance: FAQ

Is health insurance required in Indiana?

When is open enrollment in Indiana?

Can you get free health insurance in Indiana?

How We Chose the Best Health Insurance in Indiana

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