Cigna offers Indiana's cheapest overall health insurance with an average monthly premium of $324. While availability might differ, consider Aetna, Ambetter, UnitedHealthcare and Anthem (BCBS) for more affordable health plans in the state.
Most Affordable Health Insurance in Indiana
Updated: June 6, 2025
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Key Takeaways
Cigna offers Indiana's most affordable health insurance, with an average monthly savings of $157 compared to the state average.
CareSource provides the best full coverage (platinum) plans, with rates starting as low as $1,139 per month.
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
| Cigna | $324 | $157 |
| Aetna | $365 | $115 |
| Anthem (BCBS) | $380 | $100 |
| Ambetter | $399 | $81 |
| UnitedHealthcare | $460 | $21 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Indiana Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Indiana, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below, we've broken down the cheapest companies by category for most in the state:
- Cheapest For Young Adults: Anthem (BCBS) ($305 monthly)
- Cheapest For Seniors: Anthem (BCBS) ($808 monthly)
- Cheapest Expanded Bronze Plan: Anthem (BCBS) ($337 monthly)
- Cheapest Bronze Plan: Anthem (BCBS) ($326 monthly)
- Cheapest Silver Plan: Anthem (BCBS) ($380 monthly)
- Cheapest Gold Plan: Ambetter ($484 monthly)
- Cheapest Full Coverage (Platinum Plan): CareSource ($1,139 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Anthem (BCBS) | Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | $380 | $54 | $7,800 |
Cheapest Health Insurance Plans by County in Indiana
While Cigna is the cheapest company overall, Anthem (BCBS) offers the most affordable and widely available silver plans in most counties, giving consumers valuable options. Below, you can review which company and plan are most affordable in your area.
| Adams | CareSource | $374 | CareSource Marketplace Silver |
| Allen | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Bartholomew | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Benton | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Blackford | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Boone | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Brown | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Carroll | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Cass | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Clark | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Clay | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Clinton | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Crawford | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Daviess | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| DeKalb | CareSource | $374 | CareSource Marketplace Silver |
| Dearborn | CareSource | $374 | CareSource Marketplace Silver |
| Decatur | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Delaware | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Dubois | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Elkhart | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Fayette | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Floyd | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Fountain | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Franklin | CareSource | $374 | CareSource Marketplace Silver |
| Fulton | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Gibson | CareSource | $374 | CareSource Marketplace Silver |
| Grant | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Greene | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Hamilton | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Hancock | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Harrison | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Hendricks | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Henry | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Howard | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Huntington | CareSource | $374 | CareSource Marketplace Silver |
| Jackson | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Jasper | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Jay | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Jefferson | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Jennings | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Johnson | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Knox | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Kosciusko | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| LaGrange | CareSource | $374 | CareSource Marketplace Silver |
| LaPorte | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Lake | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Lawrence | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Madison | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Marion | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Marshall | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Martin | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Miami | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Monroe | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Montgomery | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Morgan | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Newton | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Noble | CareSource | $374 | CareSource Marketplace Silver |
| Ohio | CareSource | $374 | CareSource Marketplace Silver |
| Orange | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Owen | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Parke | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Perry | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Pike | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Porter | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Posey | CareSource | $374 | CareSource Marketplace Silver |
| Pulaski | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Putnam | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Randolph | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Ripley | CareSource | $374 | CareSource Marketplace Silver |
| Rush | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Scott | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Shelby | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Spencer | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| St. Joseph | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Starke | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Steuben | CareSource | $374 | CareSource Marketplace Silver |
| Sullivan | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Switzerland | CareSource | $374 | CareSource Marketplace Silver |
| Tippecanoe | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Tipton | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Union | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Vanderburgh | CareSource | $374 | CareSource Marketplace Silver |
| Vermillion | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Vigo | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Wabash | CareSource | $374 | CareSource Marketplace Silver |
| Warren | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Warrick | CareSource | $374 | CareSource Marketplace Silver |
| Washington | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Wayne | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Wells | CareSource | $374 | CareSource Marketplace Silver |
| White | Anthem (BCBS) | $328 | Anthem Silver Pathway Essentials 7200 |
| Whitley | CareSource | $374 | CareSource Marketplace Silver |
How to Find the Cheapest Health Insurance in Indiana
Follow these steps to find affordable health insurance in Indiana:
- 1
Determine 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.
- 2
Find out your subsidy eligibility
Individuals earning between $14,580 and $54,000 qualify for premium tax credits, resulting in 40% to 100% cost reductions. For those earning below 250% of the Federal Poverty Level ($36,450), cost-sharing reductions can lower out-of-pocket expenses by up to 73%. Check your eligibility to benefit from these savings.
- 3
Consider 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.
- 4
Review 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.
- 5
Compare 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, Cigna provides the most affordable health insurance, with silver plans for 40-year-olds starting at $324 per month. Consider Ambetter, UnitedHealthcare, Aetna and Anthem (BCBS) 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 $14,580 to $54,000 annually qualify for premium tax credits that reduce costs by 40% to 100%. Those earning under $36,450 (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.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.