Best Health Insurance in Indiana (2026)

Anthem is the best Silver HMO insurer in Indiana for 2026, with the lowest average premium, deductible and out-of-pocket maximum of the three Silver HMO insurers MoneyGeek ranked. Choosing Ambetter or CareSource over Anthem means paying more for a Silver HMO plan with a higher deductible and out-of-pocket maximum. 

CareSource charges $121 more a month than Anthem, or $1,452 a year. That extra premium pays for statewide reach, since CareSource sells plans in all 92 Indiana counties and Anthem's HMO network is unavailable in seven. Ambetter costs $66 more a month than Anthem for Silver HMO coverage, but its Elite Gold plan has a $0 deductible at $748 a month.

*Rankings reflect the best options for 40-year-olds on Silver-tier HMO plans. Rates vary by age and coverage level. MOOP = maximum out-of-pocket, the most you'd pay per year for covered care.

Five insurers sell 2026 ACA marketplace plans in Indiana. MoneyGeek's Silver HMO rankings compare Anthem, Ambetter and CareSource, and Cigna Healthcare and UnitedHealthcare sell EPO plans in the state. For a 40-year-old on a Silver HMO plan, the three ranked insurers' averages are $121 a month apart from lowest to highest. Filter by your plan type, metal level and age to see the difference for your profile.

*Providers can sell more than one plan of the same type and tier, so rates are company averages across all available plans for the given age, plan type and metal tier.

Indiana Silver HMO plans average $555 a month for a 40-year-old in MoneyGeek data, $46 less than the $601 Silver EPO average. Silver is also the only metal tier with cost-sharing reductions, a federal program that lowers deductibles, copays (the fixed amount you pay per visit) and out-of-pocket maximums for marketplace buyers earning 100% to 250% of the Federal Poverty Level, the federal income guideline used to set subsidy eligibility. Indiana adults ages 19 to 64 under 138% of that level can get coverage through the Healthy Indiana Plan instead.

For buyers who qualify for cost-sharing reductions, the $147 monthly premium difference between Indiana HMO Silver and Bronze buys a lower deductible and copays that Bronze plans don't offer at any income. Check eligibility at HealthCare.gov before comparing tiers.

*Average monthly premiums for 40-year-olds in Indiana by plan type. Each cell averages a different mix of insurers' plans, so EPO Expanded Bronze ($465) averages less than EPO Bronze ($492), and EPO Gold ($780) less than HMO Gold ($796). Rates vary by age and location.

The best Indiana health plan for you depends on how often you use care, whether Anthem, Ambetter or CareSource covers your county and doctors, and whether your income qualifies for subsidies. For a 40-year-old on an Indiana HMO plan, Platinum averages $740 a month more than Bronze. Among the three ranked Silver HMO insurers, insurer choice is worth $121 a month, and a Silver HMO saves $46 a month over a Silver EPO.

Indiana residents can get free enrollment help, file insurer complaints or apply for Medicaid through these state and federal programs:

• HealthCare.gov: The federal marketplace where Indiana residents compare ACA plans, check subsidy eligibility and enroll from November 1 to January 15 or during a special enrollment period.
• Indiana Department of Insurance: Resolves complaints about denied claims, billing and fraud. Call 1-800-622-4461.
• Healthy Indiana Plan (HIP): Indiana's Medicaid program for adults ages 19 to 64 with incomes up to $22,026 a year for a single person in 2026. HIP covers primary care, specialists, hospital stays and prescriptions. Call 1-877-438-4479.
• Hoosier Healthwise: Indiana's Medicaid program for eligible children and pregnant women. Apply at in.gov/fssa or call 1-800-403-0864.
• Indiana Open Enrollment Fact Sheet: The State of Indiana's enrollment guide that lists all five 2026 marketplace insurers, how many counties each covers and certified navigators who help you enroll for free.
• Off-Marketplace Health Insurance: ACA-compliant plans bought directly from an insurer, with the same coverage rules as HealthCare.gov plans but no premium subsidies or cost-sharing reductions. They fit buyers whose income doesn't qualify for federal help.

Medicare is the federal health insurance program for adults 65 and older and for some people with disabilities or end-stage renal disease. Indiana residents eligible for Medicare can choose between Original Medicare with an optional supplement or a Medicare Advantage plan that bundles hospital, medical and drug coverage into one policy.

• Best Medicare Supplement Plans in Indiana: Medicare Supplement plans, also called Medigap, cover out-of-pocket costs that Original Medicare doesn't pay, such as deductibles, copayments and co-insurance. Medigap plans are standardized by letter, so Plan G from one Indiana insurer covers the same benefits as Plan G from another, and only the premium differs. Compare quotes before enrolling.
• Best Medicare Advantage Plans in Indiana: Medicare Advantage plans replace Original Medicare and can add prescription drug coverage, dental, vision and hearing benefits. Plan availability and included benefits vary by county in Indiana.

MoneyGeek scored Indiana's 2026 marketplace insurers on three cost factors using plan data from the federal Health Insurance Marketplace:

Scoring methodology:

• Monthly premium (60%): Lower average premiums receive higher scores.
• Maximum out-of-pocket (MOOP) score (20%): The most you pay for covered care in a year, excluding premiums. Lower limits earn higher scores.
• Deductible (20%): What you pay before coverage starts. Lower averages earn higher scores.

Scores are standardized within each metal tier and plan type. The highest-scoring insurer in a category receives 5.0, and other insurers are rated relative to it.

In Some Cases: 

Two awards use a different basis. Best for Zero-Deductible Gold Plans compares Gold plans on deductible and premium. Best for Provider Network compares network size and county coverage across Indiana's 92 counties. Neither award changes an insurer's overall MoneyGeek score, which uses the cost weights above.

Insurer rates are averages across every plan an insurer sells at a given age, plan type and metal tier. State averages cover all Indiana marketplace plans of that type and tier in MoneyGeek data, so they can differ from the average of the ranked insurers' rates.

Sample Consumer: 

All premiums reflect a 40-year-old unless stated otherwise. MoneyGeek scored every 2026 Indiana plan across Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum tiers at ages 18, 26, 40, 50 and 60, and scored each tier separately.